All Freedom offices and branches will close at 1:00PM on Thursday, December 31st and reopen on Saturday, January 2nd in observance of New Years. Online and Mobile banking are available 24/7 for your banking needs.
Branch Closure
All Freedom offices and branches will at 1:00 PM on Thursday, December 24th and remain closed through Friday, December 25th, in observance of Christmas. Online and Mobile banking are available 24/7 for your banking needs.
Branch Closure
All Freedom offices and branches will be closed Thursday, November 26th through Friday, November 27th in observance of Thanksgiving. Online and Mobile banking are available 24/7 for your banking needs.
Branch Closure
All Freedom offices and branches will be closed on Wednesday, November 11th in observance of Veterans Day. Online and Mobile banking are available 24/7 for your banking needs.
Branch Closure
All Freedom offices and branches will be closed on Monday, October 12th in observance of Indigenous Peoples Day. Online and Mobile banking are available 24/7 for your banking needs.
Branch Closure
All Freedom offices and branches will be closed on Monday, September 7th in observance of Labor Day. Online and Mobile banking are available 24/7 for your banking needs.
Branch Closure
All Freedom offices and branches will be closed on Saturday, July 4th in observance of Independence Day. Online and Mobile banking are available 24/7 for your banking needs.
Branch Closure
All Freedom offices and branches will be closed on Friday, June 19th in observance of Juneteenth. Online and Mobile banking are available 24/7 for your banking needs.
Notice
Sat. May 16:Community Shred Day at Freedom’s Swan Creek from 9AM–Noon (or until full).
Branch Closure
All Freedom offices and branches will be closed on Monday, May 25th in observance of Memorial Day. Online and Mobile banking are available 24/7 for your banking needs.
Branch Closure
Please be advised that the Hunt Valley branch ATM will be unavailable from 1:00 PM on May 9th until 6:00 AM on May 11th. We apologize for any inconvenience. Visit our branch locations page to find the closest ATM to you.
Branch Closure
Please be advised that the Drive Through at the Forest Lakes Branch on Rock Spring Rd will close one hour early (5pm) on May 5th for maintenance. Please use our locations pageto find another branch or atm near you.
Notice
Skip the paper, go digital! Enroll in eStatements for faster, secure access to your account information. Click hereto get started.
Branch Closure
Please be advised that the Drive Through at the Fountain Green Branch on Churchville Rd will close one hour early (5pm) on April 29th for maintenance. Please use our locations pageto find another branch or atm near you.
Branch Closure
Please be advised that the Drive Through at the Park Avenue Branch on Emmorton Rd will close one hour early (5pm) on April 28th for maintenance. Please use our locations pageto find another branch or atm near you.
Branch Closure
Freedom’s Park Avenue Branch in Bel Air will close early at 1:00 PM on Wednesday, April 15th for the Annual Meeting.
Branch Closure
All Freedom branches will close at 2:00pm today, Monday, March 16 due to the forecasted weather event. Online/Mobile Banking are available 24/7.
Branch Closure
Please be advised that the Edgewood branch location is temporarily closed, and will reopen on Monday, March 16th, under normal operating hours. Please use our locations pageto find a branch near you. We apologize for any inconvenience.
Notice
The 2026 Annual Meeting of Members will be held at the Park Avenue branch on April 15th at 4:00PM. Registration is required for this member-only event. RSVP today to save your seat!
Outage Alert
The ATM at our Hunt Valley Branch is currently experiencing an outage. We apologize for the inconvenience and appreciate your patience as we work to quickly resolve this issue. Locate an alternate ATM.
Branch Closure
All Freedom offices and branches will be closed on Monday, February 16 in observance of Presidents’ Day. Online and Mobile banking are available 24/7 for your banking needs.
Branch Closure
Please be advised that the Edgewood branch location will be closed today and will reopen on Thursday, February 5th due to maintenance. Please use our locations pageto find a branch near you.
Notice
Our call center is currently experiencing unusually high call volume, which means hold times may be longer than normal. Please review the full alert description to help avoid a longer wait. ... Read more
Outage Alert
Online Banking and Mobile Banking are currently experiencing intermittent connectivity issues and members may not be able to login at this time. We are working to resolve the issue as quickly as possible and apologize for the inconvenience.
Branch Closure
All Freedom offices and branches will be closed on Monday, January 19 in observance of Martin Luther King Jr. Day. Online and Mobile banking are available 24/7 for your banking needs.
Document Alert
Please view our Tax FAQ Resource for information related to your 2025 tax forms.
Branch Closure
All Freedom branches will be closing at 1:00pm on Wednesday, December 31 and will be closed on Thursday, January 1 for New Year’s Day. Online and Mobile Banking are available 24/7 for your banking needs.
Branch Closure
All Freedom offices and branches will be closing at 1:00pm on Wednesday, December 24 and will be closed on Thursday, December 25, for the Christmas holiday. Online and Mobile Banking are available 24/7 for your banking needs.
Outage Alert
Online and Mobile Banking will be unavailable on Thursday, January 1, 2026, from 9:00 a.m. to approximately 2:00 p.m. for planned system maintenance. ... Read more
Outage Alert
Online/Mobile banking will be down for maintenance beginning Sunday, December 14th beginning at 1am through approx. 8am EST. We apologize for any inconvenience. ... Read more
Notice
Freedom’s next FREE Shred Day is happening at our Hunt Valley branch on March 28th.
Branch Closure
All Freedom offices and branches will close early at 1pm on Wednesday, Dec 3 for a holiday staff event. Thank you for your understanding. Online and Mobile banking are available 24/7 for your banking needs.
Branch Closure
All Freedom offices and branches will be closed on Thursday, November 27 and Friday, November 28 for the Thanksgiving holiday. Online and Mobile banking are available 24/7 for your banking needs.
Branch Closure
Please be advised that the Pikesville branch location will be closed on Thursday, November 20 for signage installation.
WIN A $25 Amazon eGIFT CARD FOR A HARFORD OR BALTIMORE COUNTY TEACHER – 5 CHANCES TO WIN!
Look for this post on Freedom’s Social Media Accounts
Look for our #TeacherAppreciationWeek Nomination Post on our social media pages starting May 3rd, 2021 running until 12 pm Friday, May 7, 2021.
If you are a teacher or know a teacher who lives or works in Harford/Baltimore County…
1. POST the teacher’s name and school in the comments on our Facebook,Twitter , or Instagram (@FreedomFedCU) post
(Feel free to include a picture or comment about your nomination!)
2. FOLLOW our social media page
3. SHARE our social media post
We will draw a winner Friday, May 7th in the afternoon!
*Teacher may live and/or work in Harford or Baltimore County. Teachers are welcome to enter themselves. One nomination per person, but teachers can be entered multiple time by other individuals to increase their chances of winning.
Freedom Federal Credit Union Introduces New Financial Program Exclusively for Educators
Freedom Federal Credit Union is pleased to introduce a new financial program exclusively for educators in Harford and Baltimore Counties. The Golden Apple Program was created to provide financial products and services to employees working within public and private schools in the two counties.
Among the benefits of the Golden Apple Program, Freedom offers the new Educator Visa® credit card, which provides teachers and school support staff a way to organize and save on school supply purchases. Once approved for the credit card, educators will have access to a $1,000 credit line at an annual percentage rate (APR) equal to the rate of prime, currently 8.50%, as of December 19, 2023.
According to the Harford County Education Foundation, 99.5% of teachers purchase basic school supplies for their students out of their own pockets. Additionally, teachers spend approximately $500-$1,000 each year on school supplies from their personal funds. The Educator Visa credit card is intended to lessen the burden of these purchases by providing educators with a way to organize all their school-related purchases on one card, and avoid paying an APR on those expenses that is double or triple the rate of prime, if not higher.
In conjunction with the new Educator Visa, Freedom is also updating their Educator Savings Program, which now offers school employees a much higher annual percentage yield (APY) on their savings. At 2.50% APY*, educators can earn interest well above the national average for savings accounts, which the FDIC is currently reporting to be just 0.058% as of December 2023. Freedom requires no minimum balance or fees for the account, just initial proof of employment with a school.
“Those who know us well, know that our support for educators extends well beyond our community-based sponsorships. Our real involvement comes from being there on a personal level for each and every educator and support employee that we can assist,” states Mike MacPherson, President and CEO of Freedom Federal Credit Union. “As we look ahead to the rest of the school year, we know that our school employees are under immense pressure, and we can’t think of a better time to reach out to help in our own way – to ease financial stress and assist in securing their future financial well-being.”
Also included in the Golden Apple Program, new Freedom members can receive a $100 bonus with direct deposit and eStatement enrollment, a high yield checking account, 2 free Skip-A-Pays on certain loans, auto refinancing specials, a mortgage bonus, matches on new youth accounts, and eligibility to apply for Freedom’s annual classroom grant awards program. Additionally, Harford County Public School employees are able to access their pay a full day in advance of their standard payday. For full Golden Apple Program details and requirements, please visit freedomfcu.org/golden-apple/.
* 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. Membership eligibility applies. Federally insured by the NCUA.
Freedom Federal Credit Union SELECTS Three Harford County PUBLIC SCHOOLS Teachers to Win Golden Apple Awards
Winners Were Honored at a Reception Held on July 29, 2019
Freedom Federal Credit Union awards grant funds to its 2019 Golden Apple Annual Education Award recipients (L to R): Alisa Janiski, Tanya Zelwalk, and Jess Wilson.
Bel Air, MD –At a reception on Monday, July 29, Freedom Federal Credit Union honored Tanya Zelwalk, as the grand prize recipient of the Credit Union’s 2019 Golden Apple Annual Educator Award grant competition. Ms. Zelwalk, who is the Learning Together classroom teacher at North Bend Elementary School, won the top $2,000 grant for her plans to better serve her special needs students, provide additional resources to their parents, and to become certified as a children’s author. The Learning Together Program serves 3-5 year-old special needs children in an inclusive and educational setting that adapts the current pre-school curriculum to the unique needs of these young learners.
Ms. Zelwalk’s request, detailed an inspirational vision to help these young learners, who have a trying journey ahead, learn socialization, empathy, communication, behavioral, and pre-academic skills that will shape their future as older students and then as productive members of society in their adult lives.
Freedom noted that, although a record number of submissions were received this year, it was Ms. Zelwalk’s thoughtfulness and consideration for how the award could affect positive change for her students, their parents, and for her own professional development that made her application standout from the rest.
Additionally, two other recipients were awarded grants: Alisa Janiski, Gifted and Talented Resource Teacher at Church Creek and Roye-Williams Elementary schools, and Jess Wilson, Adapted Physical Education Teacher at the John Archer School. Both Ms. Janiski and Ms. Wilson will receive $500 each to fund initiatives at their respective schools.
Turning ordinary days into extraordinary opportunities for learning is Ms. Janiski’s specialty at Church Creek and Roye-Williams Elementary Schools. As a Gifted & Talented Teacher, Alisa Janiski, champions creative and memorable learning opportunities for her students.
Ms. Janiski asked Freedom to imagine walking into a classroom for a normal day at school, just to find that it has been transformed. Teachers are wearing surgical masks, desks have become operating tables, and nametags are preceded with the title, Dr. It is now up to the students to save their patients with an exciting day of practical reading and math applications. Ms. Janiski’s Ron Clark Academy-inspired Room Transformations, allow students to experience immersive learning scenarios where they might find themselves immigrating to America at Ellis Island, surviving on a deserted island, or camping in the woods.
As the full-time Adapted Physical Education Teacher at the John Archer School in Bel Air, Ms. Jessica Wilson works with students ages three to twenty-one. All of her students have developmental disabilities, in conjunction with either a medical or physical limitation, or both.
Ms. Wilson has accepted the challenge to adapt Harford County’s Physical Education curriculum to her students’ unique needs and abilities. Like any children, the students at John Archer want to enjoy activities accessible in their community, such as miniature golf, but often need help learning the basic psychomotor skills to participate.
Ms. Wilson came to Freedom to ask for help in purchasing miniature golf equipment that could be appropriately modified to compliment the skill progression of her students as they learn to use the equipment, so that they too might enjoy the game in their youth and for years to come. When the equipment is not being used at John Archer, it will be available for use by other students with special needs around the county.
Mike MacPherson, President and CEO of Freedom Federal Credit Union, emceed the reception and congratulated the recipients on their achievement. ”We value all of our members, and it is a special day when we can celebrate and support teachers from among our membership. They have set out to make a real and actionable difference in the lives of our Harford County youth, and it is our honor to play a part in supporting them and their ongoing initiatives.”
Jean Mantegna, Assistant Superintendent for Human Resources at Harford County Public Schools (HCPS), attended the reception on behalf of Dr. Sean Bulson. “The Golden Apple Award recognizes teachers who continuously seek new and meaningful ways to deliver instruction to our students. Thank you to Freedom for providing this opportunity to honor great teachers and create a positive and lasting impact in the classroom,” said Mantegna.
The annual competition is intended to support Freedom Federal Credit Union members who are employed at a Harford County school and have a creative vision for education that can only be met with community support. All applicants were asked to submit an essay demonstrating how their idea would serve their students, class, school and the Harford County community. Entries were judged by a panel of Freedom employees, board members, and community leaders.