My Freedom Offers

My Freedom Offers

See your borrowing power without impacting your credit score!

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Get Prequalified Without Impacting Your Credit Score

With Freedom Federal Credit Union’s My Freedom Offers program, you can find out in minutes what your potential borrowing power is and prequalify without impacting your credit score.1

If you like the offer, you can easily accept the terms and complete the process within minutes.

Ready to take advantage of your
My Freedom Offers?

The whole process is completed securely online and in just a few clicks, and there is no cost to use this service.

Take advantage of this no obligation pre-qualification offer today!

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Not a member of Freedom Federal Credit Union?

No worries. You can still access your offer and if you like it, you can apply for membership at the same time.  A savings account with no minimum balance requirement will be opened for you during the loan acceptance process.3

Being a member of Freedom is a requirement to participate in this offer.  Membership is open to anyone who lives, works, worships, volunteers, has family, or attends school in Baltimore or Harford County.

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*APR is Annual Percentage Rate.

1 This program uses a soft pull of credit to determine your offer and won’t affect your credit score. Offers are not a guarantee to lend. If you accept this offer, it is subject to a hard credit pull. All loans are subject to Freedom Federal Credit Union lending policies. Offers, rates, and terms are subject to change. This offer is for single credit only is not a joint offer of credit. Must be 18 years of age to qualify for a loan and meet income and other requirements. My Freedom Offers uses technology in partnership with our trusted partner, FINOFR (Formerly RateReset).

2 The introductory rate will revert to the current standard rate as applicable after the promotional period: 12.99% – 18.00% APR for Platinum or 14.49% – 18.00% APR for Platinum Rewards, based on individual credit worthiness. Rates are effective May 17, 2024 and subject to change. Rate will vary with the market based on Prime. External Loan Rate Sheet 05-17-2024. The 0% introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account. A 3% balance transfer fee is applicable to these balance transfers. This offer is available on the Platinum VISA and the Platinum Rewards VISA credit cards only. Any existing balances on Freedom Federal Credit Union credit card accounts are not eligible for the Introductory APR for balance transfers. Other fees may be incurred from using one of Freedom’s cards, including a cash advance fee, $10 or 2.00% of each cash advance, whichever is greater, and a Foreign Transaction Fee, 1.00% of each transaction in US Dollars.

Rates are available on approved credit. Not all applicants will qualify for the lowest rate. The rates are the same for balance transfers and cash advances. Other fees may apply. No finance charges on new card purchases if the balance is paid in full each month within 25 days of the billing date.

Important information regarding rate, fee and other cost information can be found on the Visa Application and Solicitation Disclosure and Consumer Credit Card Agreement.

3 Non-members may use this program to be presented with an offer. If you choose to take advantage of the offer presented, you must become a member of Freedom Federal Credit Union to participate. Membership eligibility requirements apply and requires a savings account with no minimum balance requirements. When opening an account, you will need to provide an unexpired photo ID and proof of residency.