Rates
- Checking
- Savings
- Loans
- Home Loans
Checking
Checking Rates
Account Type |
Annual Percentage Yield |
Dividend Rate |
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Learn more about Checking | ||
1 Annual Percentage Yield (APY) as of January 17, 2025. If your account meets the criteria described below, you 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. 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 earn the higher rate, you must opt-in to electronic statements, and complete a minimum of 15 qualifying Point-Of-Sale (POS) purchase transactions per month using your Freedom Federal Credit Union debit card. 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. Membership eligibility applies. 2 Minimum daily balance of $100 3 Freedom no longer offers new Rewards Checking Accounts. Existing Rewards Checking Accounts will incur a $10 monthly service charge if the minimum requirements of 6 (six) transactions per calendar month AND a minimum balance of $1000 are not met. Rates effective January 17, 2025; all rates are subject to change. External Savings Rates Effective 01-17-25. Federally insured by NCUA |
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Account Type Empower Checking1 |
Annual Percentage Yield |
Dividend Rate |
Account Type Monthly balance of $0.01 - $10,000.00 |
Annual Percentage Yield 3.00% |
Dividend Rate 3.00% |
Account Type Monthly balance $10,000.01 and over |
Annual Percentage Yield .25% |
Dividend Rate .25% |
Account Type (Account balance that does not meet earnings criteria) |
Annual Percentage Yield .05% |
Dividend Rate .05% |
Account Type Classic Checking |
Annual Percentage Yield - |
Dividend Rate - |
Account Type Youth Checking2 |
Annual Percentage Yield .20% |
Dividend Rate .20% |
Account Type Rewards Checking3 |
Annual Percentage Yield .15% |
Dividend Rate .15% |
Savings
Savings Rates
Account Type |
Annual Percentage Yield |
Dividend Rate |
---|---|---|
Learn More About Savings Accounts | ||
*Minimum $100 daily balance to earn dividends. Secondary savings includes Christmas Club accounts ** Available to Baltimore County and Harford County school employees in the public and private sector 1 Freedom will round up the amount of any debit card purchases in your checking account to the next whole dollar amount, and transfer the amount in excess of the purchase amount from your checking account to your EasySaver Share Account. Credit transactions or adjustment transactions will not be rounded up. Deposits other than the daily EasySaver transfer are not permitted on this account. ATM/Debit Card transactions and ACH deposits and withdrawals are not permitted on this account. Funds in this account cannot be used as overdraft protection for any other share account. You have full access to the funds in your EasySaver account at any time. 2 Minimum $5 daily balance to earn dividends, Includes youth account types of Stork, Kirby Kangaroo, CU Succeed and Choices. 3 For members with the youth account type Choices only. |
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Account Type Share Savings* |
Annual Percentage Yield 0.10% |
Dividend Rate 0.10% |
Account Type EasySaver*1 |
Annual Percentage Yield 0.10% |
Dividend Rate 0.10% |
Account Type Educator Savings: $1-$10,000** |
Annual Percentage Yield 2.50% |
Dividend Rate 2.50% |
Account Type Educator Savings: $10,001 ** |
Annual Percentage Yield 0.35% |
Dividend Rate 0.35% |
Account Type Secondary Savings* |
Annual Percentage Yield 0.10% |
Dividend Rate 0.10% |
Account Type Youth Share Savings2 |
Annual Percentage Yield 0.10% |
Dividend Rate 0.10% |
Account Type First Home Registry2,3 |
Annual Percentage Yield 0.10% |
Dividend Rate 0.10% |
Individual Retirement Account (IRA) Rates4, 5
Account Type |
Annual Percentage Yield |
Dividend Rate |
---|---|---|
Learn More About IRAs | ||
Disclosures, Terms, and Conditions 4 Some restrictions may apply. Rates effective January 17, 2025; all rates are subject to change. External Savings Rates Effective 01-17-25. Federally insured by NCUA. |
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Account Type Individual Retirement Account (IRA) |
Annual Percentage Yield .10% |
Dividend Rate .10% |
Money Market/Money Market IRA5
Amount |
Annual Percentage Yield |
Dividend Rate |
---|---|---|
Learn More About Money Markets | ||
Disclosures, Terms, and Conditions 5 Minimum opening balance of $2,500 for all Money Market/Money Market IRAs. A $10 monthly service. Charge will be assessed when the average monthly minimum balance falls below $2,500 |
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Amount Up to $2,499 |
Annual Percentage Yield 0.00% |
Dividend Rate 0.00% |
Amount $2,500–$9,999.99 |
Annual Percentage Yield 0.40% |
Dividend Rate 0.40% |
Amount $10,000–$24,999.99 |
Annual Percentage Yield 0.45% |
Dividend Rate 0.45% |
Amount $25,000–$49,999.99 |
Annual Percentage Yield 0.60% |
Dividend Rate 0.60% |
Amount $50,000–$74,999.99 |
Annual Percentage Yield 0.65% |
Dividend Rate 0.65% |
Amount $75,000–$99,999.99 |
Annual Percentage Yield 0.65% |
Dividend Rate 0.65% |
Amount $100,000 5 |
Annual Percentage Yield 0.95% |
Dividend Rate 0.95% |
Term |
Annual Percentage Yield |
Dividend Rate |
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Learn More About Certificates | ||||
6 $300 minimum opening deposit for all regular share and IRA accounts; $5 minimum deposit for youth club members under 18 years of age 7 Fees could reduce earnings on the account 8 A penalty will be imposed for early withdrawal that could reduce earnings 9 $300 minimum opening deposit for all special certificates 10 Upon maturity, Special 25-month Certificate renews to 24 month Regular Share and IRA Certificate. Upon maturity, Special 55-month Certificate renews to 48 month Regular Share and IRA Certificate. 11 Additional Disclosures for Bump-Up Share Certificates: Members have the option, once during the term of a Bump-Up Share or IRA Certificate, to elect to receive the higher rate being offered on Bump-Up Share or IRA Certificates. Members may only exercise this option once during the term of the Bump-Up Share / IRA Certificate. The election to exchange to the higher rate must be made in writing. No additional changes will be permitted. The new rate will be effective from the date the Credit Union (Freedom) we receive notification of the election and will continue for the remainder of the Bump-Up Share Certificate term. If you never elect the exchange option, the original rate will continue. |
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Term 6-Month |
Annual Percentage Yield 3.50% |
Dividend Rate 3.46% |
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Term 12-Month |
Annual Percentage Yield
|
Dividend Rate
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Term 52-Week SPECIAL |
Annual Percentage Yield 3.55% |
Dividend Rate 3.50% |
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Term 18-Month SPECIAL6,7,8,9 |
Annual Percentage Yield 3.55% |
Dividend Rate 3.50% |
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Term 24-Month |
Annual Percentage Yield 3.60% |
Dividend Rate 3.55% |
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Term 25-Month SPECIAL6,7,8,9,10 |
Annual Percentage Yield 3.60% |
Dividend Rate 3.55% |
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Term 36-Month Bump-Up |
Annual Percentage Yield 3.60% |
Dividend Rate 3.55% |
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Term 36-Month |
Annual Percentage Yield 3.70% |
Dividend Rate 3.65% |
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Term 48-Month Bump-Up |
Annual Percentage Yield 3.70% |
Dividend Rate 3.65% |
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Term 48-Month |
Annual Percentage Yield 3.80% |
Dividend Rate 3.75% |
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Term 55-Month SPECIAL6,7,8,9,10 |
Annual Percentage Yield 3.80% |
Dividend Rate 3.75% |
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Term 60-Month |
Annual Percentage Yield 3.80% |
Dividend Rate 3.75% |
Term |
Annual Percentage Yield |
Dividend Rate |
---|---|---|
Learn More About Jumbo Share Certificates | ||
Learn more about Jumbo IRA Certificates 12 Fees could reduce earnings on the account 13 A penalty will be imposed for early withdrawal that could reduce earnings 14 $50,000 minimum opening deposit 15 Consult a qualified tax adviser for potential tax savings 16 Upon maturity, Special 25-month Jumbo Certificate renews to 24 Jumbo Share and Jumbo IRA Certificate. Upon maturity, Special 42-month Certificate renews to 36 month Jumbo Share and Jumbo IRA Certificate. Rates effective January 17, 2025; all rates are subject to change. External Savings Rates Effective 01-17-25. Federally insured by NCUA. |
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Term 52-Week SPECIAL |
Annual Percentage Yield 3.55% |
Dividend Rate 3.50% |
Term 25-Month SPECIAL |
Annual Percentage Yield 3.60% |
Dividend Rate 3.55% |
Term 42-Month SPECIAL |
Annual Percentage Yield 3.75% |
Dividend Rate 3.70% |
Loans
Vehicle Loans
Loan Type |
Term / Months |
Minimum Loan Amount |
Automated Payments APR* |
Estimated Monthly Payment per $1,000 |
---|---|---|---|---|
Learn More About Vehicle Loans | ||||
Disclosures, Terms, and Conditions *APR=ANNUAL PERCENTAGE RATE Rates effective January 1, 2025; all rates are subject to change. See full schedule of rates. External Loan Rate Sheet 01-01-2025.
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Loan Type Auto- New |
Term / Months 48 |
Minimum Loan Amount - |
Automated Payments APR* 5.49% |
Estimated Monthly Payment per $1,000 $23.26 |
Loan Type |
Term / Months 63 |
Minimum Loan Amount - |
Automated Payments APR* 5.74% |
Estimated Monthly Payment per $1,000 $18.43 |
Loan Type |
Term / Months 75 |
Minimum Loan Amount - |
Automated Payments APR* 6.24% |
Estimated Monthly Payment per $1,000 $16.14 |
Loan Type |
Term / Months 84 |
Minimum Loan Amount $20,000 |
Automated Payments APR* 7.04% |
Estimated Monthly Payment per $1,000 $15.12 |
Loan Type |
Term / Months |
Minimum Loan Amount |
Automated Payments APR* |
Estimated Monthly Payment per $1,000 |
Loan Type Auto- Used |
Term / Months 48 |
Minimum Loan Amount - |
Automated Payments APR* 5.89% |
Estimated Monthly Payment per $1,000 $23.44 |
Loan Type |
Term / Months 63 |
Minimum Loan Amount - |
Automated Payments APR* 6.14% |
Estimated Monthly Payment per $1,000 $18.61 |
Loan Type |
Term / Months 75 |
Minimum Loan Amount - |
Automated Payments APR* 6.64% |
Estimated Monthly Payment per $1,000 $16.33 |
Loan Type |
Term / Months 84 |
Minimum Loan Amount $20,000 |
Automated Payments APR* 7.44% |
Estimated Monthly Payment per $1,000 $15.31 |
Loan Type |
Term / Months |
Minimum Loan Amount |
Automated Payments APR* |
Estimated Monthly Payment per $1,000 |
Loan Type Boat- New |
Term / Months 72 |
Minimum Loan Amount Up to $20,000 |
Automated Payments APR* 5.54% |
Estimated Monthly Payment per $1,000 $16.36 |
Loan Type |
Term / Months 84 |
Minimum Loan Amount Up to $20,000 |
Automated Payments APR* 5.34% |
Estimated Monthly Payment per $1,000 $14.30 |
Loan Type |
Term / Months 120 |
Minimum Loan Amount Up to $20,000 |
Automated Payments APR* 5.24% |
Estimated Monthly Payment per $1,000 $10.73 |
Loan Type |
Term / Months 180 |
Minimum Loan Amount $20,001 |
Automated Payments APR* 4.94% |
Estimated Monthly Payment per $1,000 $7.88 |
Loan Type |
Term / Months |
Minimum Loan Amount |
Automated Payments APR* |
Estimated Monthly Payment per $1,000 |
Loan Type Boat- Used |
Term / Months 72 |
Minimum Loan Amount Up to $20,000 |
Automated Payments APR* 5.99% |
Estimated Monthly Payment per $1,000 $16.58 |
Loan Type |
Term / Months 84 |
Minimum Loan Amount Up to $20,000 |
Automated Payments APR* 5.74% |
Estimated Monthly Payment per $1,000 $14.49 |
Loan Type |
Term / Months 120 |
Minimum Loan Amount Up to $20,000 |
Automated Payments APR* 5.49% |
Estimated Monthly Payment per $1,000 $10.86 |
Loan Type |
Term / Months 180 |
Minimum Loan Amount $20,001 |
Automated Payments APR* 5.34% |
Estimated Monthly Payment per $1,000 $8.09 |
Loan Type |
Term / Months |
Minimum Loan Amount |
Automated Payments APR* |
Estimated Monthly Payment per $1,000 |
Loan Type Motorcycle- New |
Term / Months 48 |
Minimum Loan Amount Up to $14,999 |
Automated Payments APR* 4.99% |
Estimated Monthly Payment per $1,000 $23.03 |
Loan Type |
Term / Months 60 |
Minimum Loan Amount Up to $14,999 |
Automated Payments APR* 5.24% |
Estimated Monthly Payment per $1,000 $18.99 |
Loan Type |
Term / Months 72 |
Minimum Loan Amount $15,000 |
Automated Payments APR* 5.49% |
Estimated Monthly Payment per $1,000 $16.34 |
Loan Type |
Term / Months 84 |
Minimum Loan Amount $20,000 |
Automated Payments APR* 6.49% |
Estimated Monthly Payment per $1,000 $14.85 |
Loan Type |
Term / Months |
Minimum Loan Amount |
Automated Payments APR* |
Estimated Monthly Payment per $1,000 |
Loan Type Motorcycle- Used |
Term / Months 48 |
Minimum Loan Amount Up to $14,999 |
Automated Payments APR* 5.49% |
Estimated Monthly Payment per $1,000 $23.26 |
Loan Type |
Term / Months 60 |
Minimum Loan Amount Up to $14,999 |
Automated Payments APR* 5.74% |
Estimated Monthly Payment per $1,000 $19.22 |
Loan Type |
Term / Months 72 |
Minimum Loan Amount $15,000 |
Automated Payments APR* 5.99% |
Estimated Monthly Payment per $1,000 $16.58 |
Loan Type |
Term / Months 84 |
Minimum Loan Amount $20,000 |
Automated Payments APR* 6.74% |
Estimated Monthly Payment per $1,000 $14.97 |
Loan Type |
Term / Months |
Minimum Loan Amount |
Automated Payments APR* |
Estimated Monthly Payment per $1,000 |
Loan Type RV- New & Used |
Term / Months 121-180 |
Minimum Loan Amount $75,000 |
Automated Payments APR* 4.74% |
Estimated Monthly Payment per $1,000 $7.77 |
Personal Loans and Lines of Credit
Loan Type |
Annual Percentage Rate1 |
Estimated Monthly Payment per $1,000 |
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---|---|---|---|
Learn More About Lines of Credit | |||
Disclosures, Terms, and Conditions 1 Some restrictions may apply. Rates effective January 1, 2025; all rates are subject to change. See full schedule of rates. External Loan Rate Sheet 01-01-2025. |
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Loan Type Anything Loan (Terms to 60 months) |
Annual Percentage Rate1 4.99%1,2,3 |
Estimated Monthly Payment per $1,000 $29.97 |
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Loan Type Debt Consolidation Loan |
Annual Percentage Rate1
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Estimated Monthly Payment per $1,000 $29.87 |
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Loan Type Variable-Rate Line of Credit |
Annual Percentage Rate1 12.24%-18.00%3,5 |
Estimated Monthly Payment per $1,000 - |
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Loan Type Share-Secured Loan |
Annual Percentage Rate1 Share rate + 3.00% |
Estimated Monthly Payment per $1,000 - |
Credit Card Rates
Card Type |
Annual Percentage Rate1 |
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---|---|---|---|
Learn More About Credit Cards | |||
Disclosures, Terms, and Conditions 1 Some restrictions may apply. Rates effective January 1, 2025; all rates are subject to change. See full schedule of rates. External Loan Rate Sheet 01-01-2025. |
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Card Type Visa Platinum (Based on prime2,3,4) |
As low as |
Annual Percentage Rate1 11.99% |
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Card Type Visa Platinum Rewards (Based on prime2,3,4) |
As low as |
Annual Percentage Rate1 13.49% |
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Card Type
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As low as |
Annual Percentage Rate1 8.24% |
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Card Type Educator Visa2,4 |
Equals Prime Rate |
Annual Percentage Rate1 7.50% |
Home Loans
Home Equity Loan Rates
Loan Type |
Annual Percentage Rate % |
---|---|
Learn More About Home Equity Loans | |
All Disclosures, Terms, and Conditions HELOC Early Disclosure / HELOC: What You Should Know About Home Equity Lines of Credit 1 Rates are subject to change without notice, and may vary according to credit history. Rates and terms may be different as determined by collateral and individual credit worthiness. Loan payment example: A fixed-rate Home Equity loan of $10,000 for 5 years at 6.24% will have an expected monthly payment of $19.44 per $1,000 borrowed. Promotional incentives and discounts may NOT be combined. Rates effective January 1, 2025; all rates are subject to change. See full schedule of rates. External Loan Rate Sheet 01-01-2025. Equal Housing Lender.
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Loan Type Variable-rate Home Equity Line of Credit1,4 |
Annual Percentage Rate % 7.50* |
Loan Type Fixed-rate Home Equity Loan 1,4 |
Annual Percentage Rate % 6.24* |
Mortgage Loan Rates
Term |
Rate |
APR |
---|---|---|
Contact our Mortgage Team | ||
Rates effective February 14, 2025 1APR=Annual Percentage Rate. Actual rates may vary and will depend on various factors including loan product, loan size, points paid, credit profile, property value, loan to value (LTV), geographic location, occupancy, and other factors. Loan approval, actual interest rate, and down payment required based on creditworthiness, amount financed, and ability to repay. The APR and payment are not subject to increase after loan consummation. Quoted rates assume a credit score of 740. 2The information provided assumes the purpose of the loan is to purchase a property to be used as a primary residence, within Harford or Baltimore Counties, with an estimated property value of $250,000 and with a loan of $200,000. Credit is secured by a first lien on dwelling. The rate lock period is 45 days. Rates included assume a conventional mortgage product as listed above. Loan payment example: A fixed-rate [80% Loan-to-Value (LTV)] loan of $200,000 for 30 years at 3.000% will have a combined principal and interest monthly payment of $843.21. Payments do not include amounts for taxes and insurance premiums; therefore, the actual payment obligation will be greater. 3Rates, terms, and conditions are subject to change without prior notification. Rates are not guaranteed until an application has been received and approved. Speak with a representative regarding closing costs and consult a tax adviser for further information regarding the deductibility of interest and charges. Membership eligibility and other restrictions may apply. Contact a Freedom representative for more information at 1-800-440-4120. Equal Housing Lender |
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Term 30 years |
Rate 6.500% |
APR 6.730% |
Term 20 years |
Rate 6.250% |
APR 6.550% |
Term 15 years |
Rate 6.000% |
APR 6.370% |
Term 10 years |
Rate 5.750% |
APR 6.270% |