Personal Savings

Did you know that Freedom is a not-for-profit organization and is member-owned? That’s why we can offer better rates and lower fees than others. Your membership starts with a “share” account — your part of the pie — and you can open your personal share savings account with as little as $5!

Saving makes sense, and we can help. How soon will you need to use your savings? Do you need access to your savings right away, or can you invest it and earn more? We’ll help you figure out what savings option makes sense for you. Check out our savings rates.

Convenient and Secure. Our savings accounts offer free online banking, e-Statements and secure EMV-chip debit cards.

Regular and Secondary Savings, and Money Market Accounts1

Youth Savings, First Home Registry and Certificates2

Share Certificates3

IRAs4

Want to see how compound-interest works? We’ve got a variety of great savings calculators

Everyone in Harford County can join—Open a share savings account today!

Disclosures

1 Secondary Share Savings Account may be used for Christmas Club, Vacation, or any purpose.

2 Youth Savings Programs for ages 25 and under. First-Home Registry Accounts are for Choices members ages 18-25 only. Check out our Youth Accounts page for more details.

3 Share Certificates, Special Share Certificates, and Jumbo Certificates are available.

4 Fund your IRA account from your Regular Share Savings, Money Market, or Share Certificate account.

Safeguarding your hard-earned money is critical. That’s why Freedom Federal Credit Union has federal share insurance, administered by an independent Federal Government agency, the National Credit Union Administration (NCUA). The National Credit Union Share Insurance Fund (NCUSIF) protects aggregate savings up to at least $250,000 in your regular Share Savings, Certificates, Checking, and Coverdell ESA accounts. Individual Retirement Accounts (IRAs) are insured separately up to $250,000.