Freedom Federal Credit Union (MD)

Overview / Commentary
2019 Emmorton Rd
Bel Air, MD 21015

Freedom Federal Credit Union (MD) is headquartered in Bel Air and is the 22nd largest credit union in the state of Maryland. It is also the 788th largest credit union in the nation. It was established in 1953 and as of June of 2022, it had grown to 86 employees and 33,835 members at 6 locations. Freedom Federal Credit Union (MD)'s savings rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Freedom Federal Credit Union is open to those who live, work, worship, attend school, or volunteer in the Maryland counties of Baltimore or Harford. Immediate family of current members or membership-eligible individuals are also eligible to join.
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Health Grade Components

NCUA #8550
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD8.39%
Annual Interest Income$7.6MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$426.6MM$399.3MM
LoansQ2 2022vs Q2 2021$370.9MM$314.4MM
DepositsQ2 2022vs Q2 2021$391.0MM$365.0MM
Equity CapitalQ2 2022vs Q2 2021$32.6MM$31.7MM
Loan Loss AllowanceQ2 2022vs Q2 2021$860.00K$1.0MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$840.00K$698.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Freedom Federal Credit Union (MD) Savings Account Rates

2.50%*-$10kEducator Savings
OTHER TIERS: 0.35% $10k+
0.30%$5-First Home Registry
0.15%--IRA Savings
0.10%$100-Share Savings
0.10%$100-Christmas Club
0.10%$5-Youth Share Savings
0.10%--Business Savings
0.10%$100-Secondary Savings
0.10%$5-Kirby Kangaroo
0.10%$5-CU Succeed

Freedom Federal Credit Union (MD) Money Market Rates

0.32%*$100k*-Money Market
OTHER TIERS: 0.19% $2.5k - $10k | 0.20% $10k - $25k | 0.24% $25k - $50k | 0.25% $50k - $100k
0.32%*$100k*-Business Money Market
OTHER TIERS: 0.19% $2.5k - $10k | 0.20% $10k - $25k | 0.24% $25k - $50k | 0.25% $50k - $100k
0.32%*$100k*-Money Market IRA
OTHER TIERS: 0.19% $2.5k - $10k | 0.20% $10k - $25k | 0.24% $25k - $50k | 0.25% $50k - $100k

Freedom Federal Credit Union (MD) Checking Account Rates

3.00%*-$10kEmpower Checking
OTHER TIERS: 0.25% $10k+
0.40%--Non-Profit Checking
0.20%$100-Youth Checking
0.15%--Business Dividend Checking

Freedom Federal Credit Union (MD) CD Rates

3.45%$300-55 Month CD Special
3.45%$300-Business 55 Month CD Special
3.45%$5-55 Month Youth CD Special
3.35%$50k-42 Month Jumbo CD Special
3.35%$50k-Business 42 Month Jumbo CD Special
1.00%$300-Business 60 Month CD
1.00%$300-60 Month CD
1.00%$5-60 Month Youth CD
0.95%$300-Business 48 Month CD
0.95%$300-48 Month CD
0.95%$5-48 Month Youth CD
0.85%$300-Business 36 Month CD
0.85%$300-Business 48 Month Bump-Up CD
0.85%$300-36 Month CD
0.85%$300-48 Month Bump-Up CD
0.85%$5-36 Month Youth CD
0.85%$5-48 Month Bump-Up Youth CD
0.75%$300-Business 24 Month CD
0.75%$300-Business 36 Month Bump-Up CD
0.75%$300-24 Month CD
0.75%$300-36 Month Bump-Up CD
0.75%$300-25 Month CD Special
0.75%$300-Business 25 Month CD Special
0.75%$5-24 Month Youth CD
0.75%$5-25 Month Youth CD Special
0.75%$5-36 Month Bump-Up Youth CD
0.75%$50k-25 Month Jumbo CD Special
0.75%$50k-Business 25 Month Jumbo CD Special
0.65%$50k-Business 52 Week Jumbo CD
0.65%$5k-52 Week CD Special
0.65%$300-Business 52 Week CD Special
0.65%$50k-52 Week Jumbo CD Special
0.60%$300-Business 12 Month CD
0.60%$300-Business 18 Month CD
0.60%$300-12 Month CD
0.60%$300-18 Month CD
0.60%$5-12 Month Youth CD
0.60%$5-18 Month Youth CD
0.50%$300-Business 6 Month CD
0.50%$300-6 Month CD
0.50%$5-6 Month Youth CD

Freedom Federal Credit Union (MD) IRA Rates

3.45%$300-55 Month IRA Special
3.45%$300-Business 55 Month IRA Special
3.35%$50k-42 Month Jumbo IRA Special
3.35%$50k-Business 42 Month Jumbo IRA Special
1.00%$300-60 Month IRA
1.00%$300-Business 60 Month IRA
0.95%$300-48 Month IRA
0.95%$300-Business 48 Month IRA
0.85%$300-36 Month IRA
0.85%$300-48 Month Bump-Up IRA
0.85%$300-Business 36 Month IRA
0.85%$300-Business 48 Month Bump-Up IRA
0.75%$300-24 Month IRA
0.75%$300-36 Month Bump-Up IRA
0.75%$300-25 Month IRA Special
0.75%$50k-25 Month Jumbo IRA Special
0.75%$300-Business 24 Month IRA
0.75%$300-Business 25 Month IRA Special
0.75%$50k-Business 25 Month Jumbo IRA Special
0.75%$300-Business 36 Month Bump-Up IRA
0.65%$5k-52 Week IRA Special
0.65%$50k-52 Week Jumbo IRA Special
0.65%$5k-Business 52 Week IRA Special
0.65%$50k-Business 52 Week Jumbo IRA Special
0.60%$300-12 Month IRA
0.60%$300-18 Month IRA
0.60%$300-Business 12 Month IRA
0.60%$300-Business 18 Month IRA
0.50%$300-6 Month IRA
0.50%$300-Business 6 Month IRA

Freedom Federal Credit Union (MD) Locations
Branch Office1990 Rock Spring RdForest Hill, MD 21050
Branch Office8213 Hoadley Rd Bldg E5002Gunpowder, MD 21010
Branch Office2019 Emmorton RdBel Air, MD 21015
Branch Office1304 E Churchville RdBel Air, MD 21014
Branch Office1830 Pulaski Hwy Ste CHavre de Grace, MD 21078

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