Golden Apple Program

Golden Apple Program

Educator Rewards Program

Join Golden Apple Now

CLAIM THIS EDUCATOR EXCLUSIVE Savings Certificate: 5.60% for 19 months9

$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 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
$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 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
• Open an Educator’s Saving Certificate: 5.60% for 19 months9
Eligible for up to a $2,000 Golden Apple Educator Award

Golden Apple Educator Awards

NOW ACCEPTING Entries for the 2024 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, 2024.

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

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 Lisa is happy to explain all the ways the Golden Apple Program can benefit you!


*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 of 5.14% includes a 0.25% discount with e-statements and automated payment enrollments. Automated payment must cover monthly loan payment amount.  Without these qualifications, the minimum APR is 5.39%. 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. Used Auto – 48 months APR 7.14% at $ 24.02 per $1,000. Example loan amount $20,000 with an estimated monthly payment of $ 480.33. 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.

9 Offered exclusively to employees of Harford County Public Schools, Baltimore County Public Schools, and employees of Harford and Baltimore County private schools. Upon maturity, the Special 19-month Educator Certificate renews to a 6-month Regular Share or IRA Certificate. The promotional Annual Percentage Yield is available only for funds not currently on deposit with Freedom FCU, i.e. “new money.” 

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.