Golden Apple Program
Educator Rewards Program
SAVE & SPEND... Introducing...
Our Educator Savings Program is about to get better.
- Earn 2.50 APY** on balances up to $10,000 and 0.35% APY on balances of $10,000.01 and higher.2
- No minimum balance requirements. No minimum to open account.
The Educator Visa® will offer teachers and school support staff a way to organize and save on school supply purchases.3
- Featuring a rate equal to the rate of prime
- $1,000 line of credit
Plus These Exclusive Benefits
• Employees receive their payroll direct deposit one (1) day early (HCPS Only)
• Earn 3.00% APY** on your Empower Checking account4
• Save up to 2.00% APR* when you refinance your auto loan5
• 2 FREE Skip-A-Pays are available annually on eligible loans6
• Earn an average of $1500 in cash rewards with a HomeAdvantage™ mortgage7
• $25 match on new Youth Accounts8
• Eligible for up to a $2,000 Golden Apple Educator Award
Golden Apple Educator Awards
NOW ACCEPTING Entries for the 2023 Golden Apple Annual Educator Awards
Freedom Federal Credit Union is pleased to offer $8,000 in annual grant awards for Harford and Baltimore County educators!*
Entries due by May 31, 2023.
Entrants must be a Freedom Member and an employee at a Harford or Baltimore County school (public or private).
New members are welcome to apply.
1. TWO First Place – $2,000 Awards
2. TWO Second Place – $1,000 Awards
3. TWO First Runner-Up – $500 Awards
4. TWO Second Runner-Up $500 Awards
*4 Award categories each for Harford and Baltimore County Educators
Lisa SnodgrassTitle: Business Development Director
*APR = Annual Percentage Rate. **APY = Annual Percentage Yield
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 Qualifying applicants will earn 2.50% APY on balances up to $10,000 and 0.35% APY on balances of $10,000.01 and higher. No minimum balance requirements. No minimum to open account.
3 Subject to credit approval.
4 Eligible members will earn 3.00% Annual Percentage Yield (APY) on balances up to $10,000 and 0.25% APY on balances of $10,000.01 and higher if they opt-in to electronic statements, and complete a minimum of 15 qualifying Point-Of-Sale (POS) purchase transactions per month using their Freedom Federal Credit Union debit card. Balances that do not meet the account requirements for a given month will earn 0.05% APY. No minimum balance requirements. No minimum to open account. No monthly maintenance fees or penalties. Fees may reduce earnings on accounts. To qualify, debit card transactions must process, post, and clear within the calendar month. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify. Product and rates subject to change.
5 Minimum APR 2.99% is subject to meeting credit criteria. Actual rates are based on individual creditworthiness and may be higher
based on credit performance. Financing up to retail value of the auto is available. Certain restrictions apply. Estimated monthly
payment per $1,000 borrowed is $17.18 for 63 months at 2.24% APR. Refinancing available only on auto loans from another
financial institution. Not available on loans originated through Freedom Federal Credit Union.
6 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.
7 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.
8 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.