The Best Day Is Today

August 27, 2021

A couple things got me thinking recently. First, here we are already closing in on the end of summer; that got me thinking about how time flies and its effect on waiting. Then, as we’ve planned our expansion and questioned why we are, or should we be, doing so in the current climate; that too got me thinking and what waiting would have meant. The results of my pondering led me to the following poem:

(with thanks to Andrew Pratt)

Barely the day started and… it’s already six in the evening.
Barely arrived on Monday and it’s already Friday…
… and the month is already over.
… and the year is almost over.
… and already 40, 50 or 60 years of our lives have passed.
… and we realize that we lost our parents, friends.
… and we realize it’s too late to go back.
So… Let’s try, despite everything, to enjoy the remaining time.
Let’s keep looking for activities that we like.
Let’s put some color in our grey.
Let’s smile at the little things in life that put balm in our hearts.
And despite everything, we must continue to enjoy with serenity this time we have left.
Let’s try to eliminate the afters…
… I’m doing it after…
… I’ll say after…
… I’ll think about it after.
We leave everything for later like “after” is ours.
Because what we don’t understand is that…
… afterwards, the coffee gets cold…
… afterwards, priorities change…
… afterwards, the charm is broken…
… afterwards, health passes…
… afterwards, the kids grow up…
… afterwards parents get old…
… afterwards, promises are forgotten…
… afterwards, the day becomes the night…
… afterwards life ends…
And then it’s often too late.
So, let’s leave nothing for later,
Because still waiting to see you later, we can lose the best moments,
the best experiences,
best friends,
the best family.
The day is today… The moment is now…


Important Information Regarding Freedom Federal Credit Union Lobby Availability

Dear Members,

With the recent decision from state and local government to lift mask and social distancing mandates, Freedom has re-evaluated current branch lobby availability protocols. We are pleased to announce that effective June 1, 2021, lobby access in all Freedom branches will be available on a walk-in basis.  This means that all banking transactions will be available in our lobbies, as well as through our drive-thrus, without the need for an appointment.

Also effective June 1, Branch hours will be as follows:

Park Ave, Fountain Green, and Forest Lakes


Monday-Thursday: 9am-5pm
Friday: 9am-6pm
Saturday: 9am-1pm


Monday-Friday. 9am-6pm
Saturday, 9am-1pm

Swan Creek


Monday-Thursday: 9am-5pm
Friday: 9am-6pm
Saturday: 9am-1pm


Lobby and Drive Thru

Monday-Wednesday: 8am-3pm
Thursday-Friday: 8am-5pm

To reduce the amount of time you are in a branch, we continue to encourage you to use our Appointment Scheduler or call 800-440-4120 to make an appointment for non-teller transactions such as opening a new membership, applying for a loan or credit card and setting up a new share certificate, Money Market, or IRA account.

PLEASE NOTE: For security reasons, as of June 1, you will be required to remove any face coverings such as masks, gaiters, hats and/or sunglasses upon entering any Freedom branch. There will be no exceptions to this rule. If you are uncomfortable with removing your mask, please continue to use the drive-thru, call us at 800-440-4120, or use online or mobile banking.

The health and safety of our employees and members continues to be an absolute priority.  As such, you will still see plexiglass partitions at each teller station and service desk.  Employees may be wearing masks and gloves during your transaction. Hand sanitizer will also be available throughout the branches.

So much has changed over the last year but our commitment to you, our members, has only gotten stronger. We continue to expand opportunities to enhance access for our members with technology, new locations, like the new branch coming soon to Honeygo Village Center, and the expansion of access within our current branches.

As always, we thank you for your ongoing trust and confidence in Freedom.


CEO Signature

Michael MacPherson
President and CEO
Freedom Federal Credit Union

New Freedom Federal Credit Union Branch Coming to Baltimore County – CEO Letter

May 3, 2021

Dear Freedom Members,

In July of last year, I wrote to you announcing that Freedom Federal Credit Union was expanding our field of membership to include Baltimore County. Over the last several months, that expansion has gone very well and the feedback has been overwhelmingly positive.

In that announcement, I also made mention that we would look at opportunities to enhance access for our members, whether through technology or new, physical locations.

As a result of this, and through a comprehensive review, I am very happy to announce that Freedom will be opening a new branch in Baltimore County, in the Perry Hall/White Marsh area.
The new branch will be located at 5000 Honeygo Center Drive in the Honeygo Village Center, adjacent to Weis Markets, and across from AnyTime Fitness, and Liberatore’s Ristorante. This will be Freedom’s first branch in Baltimore County, and our sixth branch in total.

Our Honeygo Branch will feature a full-service lobby, two drive-thru lanes, a 24/7 ATM, a free coin machine, and will provide ample parking and easy traffic flow and access. Financial Service Representatives will be in-person, and onsite, to support all business and individual banking needs.

This is a significant step for our entire membership. Not only does it ensure that we provide a physical location to a thriving business and residential community that wants to do their banking in-person, but also provides us more ability to truly deliver on the Freedom Advantage, our unique service offering, to the Northeast Baltimore County communities.

Because of the way Freedom is structured, as a financial cooperative, the health and strength of the organization is dependent on the membership being engaged and utilizing our products and services. The more members that are an active part of Freedom, and using our products and services, the better the ability to offer lower cost loan options, higher deposit rates, better technology and more community support. We will be able to increase our membership, and better serve all our members, in both Harford and Baltimore County.

This past year has been a challenge for all of us. For Freedom, although much of it was focused on helping members through the pandemic, we decided to proceed with our planned expansion into Baltimore County, to give our members, and the communities we serve, more opportunities to conduct business, in the name of convenience and a better banking experience.

The Honeygo Branch, which formerly housed First National Bank, is currently undergoing renovations, and is expected to open to the public in late summer. I will share more details with you when plans are more formalized. In the meantime, please follow us on our Facebook page to see progress updates, and the latest information around the branch opening.

I want to thank all of you for your ongoing trust and confidence in Freedom, and I hope you share in my excitement regarding our new branch. I look forward to seeing you there!


CEO Signature

Michael MacPherson
President and CEO
Freedom Federal Credit Union