Branch Closings

2019 Branch Closings Schedule

Observance of federal holidays will cause branch closings in 2019. See the listing below for specific dates. Please call our Contact Center at 800-440-4120 with any questions.

New Year’s Day, Tuesday, January 1

Dr. Martin Luther King Jr. Day, Monday, January 21

Presidents’ Day, Monday, February 18

Memorial Day, Monday, May 27

Independence Day, Thursday, July 4

Labor Day, Monday, September 2

Columbus Day, Monday, October 14

Veterans Day, Monday November 11

Thanksgiving, Thursday, November 28

Christmas Eve, Tuesday, December 24—early closing TBD

Christmas Day, Wednesday, December 25

New Year’s Eve, Tuesday, December 3—early closing TBD


New Year’s Day 2020—Wednesday, January 1, 2020


2018 Holiday Closings

Upcoming Branch Closures

December 2018 closings

Please note the following upcoming closures—
  • All Branches will be closed on Tuesday, December 25 for Christmas
  • All Branches will be closed on Tuesday, January 1, 2019 for New Year’s Day
Early Closings:
  • Branches to close at 3:00 pm on Wednesday, December 13 for a staff event
  • Branches to close at 1:00 pm on Monday, December 24 for Christmas Eve
  • Branches to close at 1:00 pm on Monday, December 31 for New Year’s Eve

In the event of branch closure, please take advantage of our Electronic Banking Services, including our Mobile app

Best of Harford County

Vote Freedom for Best Credit Union in Harford County!


Here at Freedom we appreciate and value all our members and local partners. We are a community-chartered credit union offering financial services to those who live, work, volunteer, worship, attend school, or have family in Harford County.  Freedom has been in business since 1953 and has five locations throughout Harford County.

We are reaching out today because we need your vote to win best Bank/Credit Union in the Harford’s Best Readers Poll.  With your help, we would like to be voted Harford’s Best Credit Union in 2018!  

Votes are being collected now until 5pm on December 14th. Please click on the link below and select Freedom Federal Credit Union to vote for us on Question #7-Best Bank/Credit Union.



Win $500 for your favorite local charity!

Freedom Federal Credit Union believes in people helping people and we are challenging Harford County volunteers, companies, and non-profits to participate in the #FreedomToHelpChallenge photo contest this holiday season. Showcase volunteerism in Harford County for the chance to win a $500 charitable donation for your local non-profit of choice and other weekly prizes.


1.       Like or Follow Freedom Federal Credit Union on Social Media (Facebook, Twitter, Instagram)

2.       Post public photos showcasing volunteerism in Harford County from November 2nd through December 13, 2018

3.       Include a description of the volunteer effort along with the searchable hashtag, #FreedomToHelpChallenge on every post

4.       Visit us on Facebook every Friday to participate in public voting to increase your chances to win! (Every like equals a vote!)

Read Full Contest Details Here.

Grand Prize Info: The Final Showdown

Public Voting for finalists will be available on Freedom’s Facebook page on Tuesday, December 18, 2018 for 24 hours from the start of the voting period. Every like equals a vote.  Share with your friends to increase your votes.  The Grand Prize Winner will be announced via Freedom’s Facebook, Twitter, and Instagram page on or before  December 21st, 2018.

*Selected charity must be a registered 501(C)3 with a proven focus in Harford County.

User Action Required: MoneySmart to Replace My Financial Advisor

Freedom Federal Credit Union is excited to introduce our new and improved financial management tool, MoneySmart, now available to all Freedom Members for FREE.  MoneySmart will replace the current financial management tool, My Financial Advisor, effective September 30th.

MoneySmart makes it easier to manage money, monitor spending and actually see where your money goes. If you want to save money, improve financial health and make financial management easier, this is great news for you.

**Important Information for Current My Financial Advisor Users**

Your Freedom Federal Credit Union deposit account history for the past 90 days will carry over into the new MoneySmart tool. However, the remaining budgeting information you have saved within My Financial Advisor will not automatically carry over to the new MoneySmart system.  We recommend you export your existing information, prior to September 30th, to ensure no loss of data.
      You can export your My Financial Advisor budgeting information by following these simple steps:
      1. Log into Home Banking
      2. Click on the “My Financial” Tab
      3. Click on “Budget” located on the blue tool bar
      4. Select the month you would like to download and click “Export” on the right hand side of the window.
      5. Save the file
       We apologize for any inconvenience this transition may cause.
      Please export your data from My Financial Advisor by 11:59 PM on September 30th to preserve your data.

  • Benefits of MoneySmart:
  • A more complete financial picture, with the ability to sync your accounts from more than 17,000 financial institutions.
  • Automatically tagged and categorized transactions, so it’s easier to understand spending habits.
  • Better visual tracking of your progress, allowing you to reach financial goals quicker and easier.
  • A cashflow calendar that shows what is coming in and going out.

MoneySmart makes it easier than ever to stay on track, set goals, and maintain your finances responsibly.

Free Onsite Mortgage Consultations

Take Advantage of Our Mortgage Days

Mike Ostrowski, Mortgage Manager, 443-640-4708,  
Mike Ostrowski, Mortgage Manager
[email protected] 

Get a free onsite mortgage consultation with Freedom’s Mortgage experts! These one-on-one discussions will give you a:

  • Custom mortgage analysis
  • Step-by-step guide to the mortgage process
  • Explanation of your home equity options
  • Free, easy mortgage prequalification

Sessions available on Sept. 7, Sept. 13th, and Sept 14th. Stop by the branch most convenient to you! To schedule a consultation at an alternative time, call us at 1-800-440-4120.

Mortgage Days Schedule:

Sept. 7, Bel Air South & North

Fountain Green Branch
1304 Churchville Rd, Bel Air

Mortgage Day location: Fountain Green Branch





Park Avenue Branch
2019 Emmorton Road, Bel Air

Mortgage Day location: Park Avenue Branch






SEPT. 13, APG South

Edgewood Branch
5002 Hoadley Road, Edgewood Area, APG South

Mortgage Day location: Edgewood Branch







SEPT. 14, Havre de Grace & Forest Hill

Swan Creek Branch
1830-C Pulaski Highway, Havre de Grace

Mortgage Day location: Swan Creek Branch


Forest Lakes Branch
1990 Rock Spring Rd, Forest Hill

Mortgage Day location: Forest Lakes Branch



New! A Better Way to Manage and Save Money

Introducing our new budget management tool—Money Smart! Now, it’s easy to manage money, monitor spending and actually see where your money goes. If you want to save money, improve financial health and make financial management easier, MoneySmart is a great tool for you.

With MoneySmart:

  • Get your complete financial picture.
  • Sync accounts with nearly 17,000 financial institutions.
  • Understand spending habits with automatically tagged transactions.
  • Make informed choices with the cash flow calendar.
  • Visually track your progress, reach financial goals quicker and easier.

Add a Goal and Stay on Track

MoneySmart makes it simple to stay on track. Set goals, and maintain your finances responsibly.

Step 1: Select “Add A Goal” on the goal dashboard.
Step 2: Select your desired pay off or savings goal.
Step 3: Fill in the required information.
Step 4: Click the “Create” button to complete the process of adding a new goal.

Keep in mind, your Goal Summary at the bottom of the page will update your completion date and the amount needed per month according to your preferences in the form.

Goals will automatically update your progress and will reflect your day-to-day account balances.

Try MoneySmart by logging in to Home Banking today!