Golden Apple Program

Golden Apple Program

Educator Rewards Program

Join Golden Apple Now

For the Education Community

Our Golden Apple Program recognizes the dedicated efforts of teachers, support staff, and all members of the education community in Harford and Baltimore Counties. All active or retired teachers, administrators, and school support personnel in both the public and private sector are eligible to enroll in and take advantage of this unique program.

It’s easy! Just open a new Freedom checking account with a direct deposit of at least $50 per pay period1

Golden Apple Program members have special benefits that only come with membership. If you have questions about the Program, contact Lisa Snodgrass at 410-676-5700 x2123 or [email protected]. Lisa is happy to explain all the ways the Golden Apple Program can benefit you!

$100 Exclusive Bonus Offer

Harford and Baltimore County school employees (public or private) are eligible for Freedom’s Golden Apple Program.1

$100 Bonus Offer

Plus These Exclusive Benefits

• Employees receive their payroll direct deposit one (1) day early (HCPS Only)
• Save up to 2.00% APR* when you refinance your auto loan2
• 2 FREE Skip-A-Pays are available annually on eligible loans3
• Earn an average of $1500 in cash rewards with a HomeAdvantage™ mortgage4
• Educator Savings Program
• $25 match on new Youth Accounts5
Eligible for $4,000 in Golden Apple Educator Awards
• Special Rates on:

VISA® Credit Cards
Lines of Credit

Golden Apple Educator Awards

No Longer Accepting Entries for the 2020 Golden Apple Annual Educator Awards

We are no longer accepting entries for this year’s Golden Apple Educator Award! We look forward to seeing your 2021 submissions!

Entrants must be a Freedom Member and an employee at a Harford or Baltimore County school (public or private).

1.    First Place – $2,000 Award
2.    Second Place – $1,000 Award
3.    First Runner-Up – $500 Award
4.    Second Runner-Up $500 Award 

Learn More About Freedom's Annual Educator Awards
Golden Apple Awards


*APR = Annual Percentage Rate.

1 Offer available to new or existing members who add checking and a direct deposit of at least $50 per pay period. Direct deposit must be received within 90 days of account opening. Bonus funds will be credited the first of the month following qualification and must stay in the account for 90 days. Offer expires 90 days after account opening if all qualifications are not met.

2 Minimum APR 2.24% subject to meeting credit criteria. Restrictions apply. Estimated monthly payment per $1,000 borrowed is $17.63 for 60 months at 2.24% APR. Refinancing available only on auto loans from another financial institution. Minimum APR of 1.99% with e-statements and automated payments. 

3 Eligible to skip your loan payment(s) twice per year for free. Not valid on mortgages, home equity lines/loans and credit card. All requests are subject to approval. Certain restrictions apply. 

4 Program rebates are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage™ network of approved realtors.

5 Match of up to $25 on account opening deposit, paid at time of account opening, will be deposited into the savings account. Bonus must stay in the account for 90 days. 

All offers available to Baltimore County and Harford County school employees in the public and private sector.

Federally insured by the NCUA.  Equal Housing Lender.