Golden Apple Program

Golden Apple Program

Educator Rewards Program

Join Golden Apple Now

$100 Exclusive Bonus Offer1

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 period.1

SAVE & SPEND... Introducing...

Our Educator Savings Program just got better.

  • 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.

The Educator Visa® offers teachers and school support staff a way to organize and save on school supply purchases.2

  • Featuring a rate equal to the rate of prime
  • $1,000 line of credit
$100 Bonus Offer

Plus These Exclusive Benefits

• Employees receive their payroll direct deposit one (1) day early (HCPS Only)
• Earn 3.00% APY** on your Empower Checking account3
• Save up to 2.00% APR* when you refinance your auto loan4
• 2 FREE Skip-A-Pays are available annually on eligible loans5
• Earn an average of $1500 in cash rewards with a HomeAdvantage™ mortgage6
• $25 match on new Youth Accounts7
Eligible for $4,000 in Golden Apple Educator Awards

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

  • Lisa Snodgrass

    Lisa Snodgrass

    Title: Business Development Director

    Golden Apple Program members have special benefits that only come with membership. If you have questions about the Program, contact your relationship manager, Lisa Snodgrass at 410-612-2123 or [email protected]. Lisa is happy to explain all the ways the Golden Apple Program can benefit you!

Disclosures

*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 Subject to credit approval.

3 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.

4 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. 

5 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. 

6 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.

7 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.

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