Golden Apple: For the Education Community!

Our Golden Apple Program recognizes the dedicated efforts of teachers, support staff, and all members of the education community. All active or retired teachers, administrators, and school support personnel 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!

Join Golden Apple Now!

Golden Apple Program 

The Golden Apple Program participants get these benefits1

    • Receive payroll direct deposit one (1) day early (HCPS Only)
    • Two FREE Loan Skip-A-Pay Offers Per Year2
    • $25 match on new youth accounts3
    • Get your mortgage processing fee waived when you purchase a home, with savings of up to $850!*
    • Refinance and take advantage of reducing your closing costs, with savings up to $575!*
    • Summer Savings Program
    • Become eligible to win a $2,000 Golden Apple Annual Educator Award!


Special Rates on:

  • VISA® credit cards
  • Mortgages
  • Lines of Credit

For more details or to enroll, call Freedom at 800-440-4120 or contact Lisa Snodgrass at 410-676-5700 x2123 or [email protected]


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 Eligible to skip your loan payment(s) for 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.

3 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.

*Offer available to Harford County school employees in the public and private sector. Savings of up to $575 for refinance and $850 for purchases.