Freedom Federal Credit Union (MD)

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CURRENT TOP RATE

Empower Checking

Overview / Commentary

www.freedomfcu.org

410-676-5700

2019 Emmorton Rd
Bel Air, MD 21015

Freedom Federal Credit Union (MD) is headquartered in Bel Air and is the 22^nd largest credit union in the state of Maryland. It is also the 804^th largest credit union in the nation. It was established in 1953 and as of December of 2021, it had grown to 88 employees and 32,538 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.
See current membership details

Related Posts

View all posts from:

2020
2016
2015
Earlier

1/18 - Freedom Federal Credit Union's 42-Month Jumbo CD Has Top Rate

5/9 - Freedom FCU (MD) Offers Very Competitive 52-Week Jumbo CD

3/23 - Freedom Federal Credit Union (55-Mo CD, 2%APY)

12/5/08 - 5.00% 55-Month CD at Freedom FCU in Maryland

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Health

A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #	8550
Year Chartered	1953
Employees	88
Primary Regulator

Profit Margin
Return on Assets - YTD	0.42%
Return on Equity - YTD	5.32%
Annual Interest Income	$14.1MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$411.3MM$379.6MM
Loans	Q4 2021vs Q4 2020	$335.9MM$299.9MM
Deposits	Q4 2021vs Q4 2020	$376.2MM$345.8MM
Equity Capital	Q4 2021vs Q4 2020	$32.5MM$31.1MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$927.00K$1.2MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$726.00K$1.5MM
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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Money Market
Checking
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IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%^*	-	$10k	Educator Savings
OTHER TIERS: 0.35% → $10k+
0.45%	$100	-	EasySaver
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	-	Stork
0.10%	$5	-	Kirby Kangaroo
0.10%	$5	-	CU Succeed
0.10%	$5	-	Choices

Freedom Federal Credit Union (MD) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.00%^*	-	$10k	Empower 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%	$300	-	Business 60 Month CD
0.70%	$300	-	60 Month CD
0.70%	$300	-	55 Month CD Special
0.70%	$300	-	Business 55 Month CD Special
0.70%	$5	-	55 Month Youth CD Special
0.70%	$5	-	60 Month Youth CD
0.65%	$300	-	Business 48 Month CD
0.65%	$300	-	48 Month CD
0.65%	$5	-	48 Month Youth CD
0.65%	$50k	-	42 Month Jumbo CD Special
0.65%	$50k	-	Business 42 Month Jumbo CD Special
0.60%	$300	-	Business 24 Month CD
0.60%	$300	-	Business 36 Month CD
0.60%	$300	-	25 Month CD Special
0.60%	$300	-	Business 25 Month CD Special
0.60%	$5	-	25 Month Youth CD Special
0.60%	$50k	-	25 Month Jumbo CD Special
0.60%	$50k	-	Business 25 Month Jumbo CD Special
0.55%	$300	-	Business 48 Month Bump-Up CD
0.55%	$300	-	48 Month Bump-Up CD
0.55%	$5	-	48 Month Bump-Up Youth CD
0.50%	$300	-	Business 18 Month CD
0.50%	$300	-	Business 36 Month Bump-Up CD
0.50%	$300	-	24 Month CD
0.50%	$300	-	36 Month CD
0.50%	$5	-	24 Month Youth CD
0.50%	$5	-	36 Month Youth CD
0.40%	$300	-	18 Month CD
0.40%	$300	-	36 Month Bump-Up CD
0.40%	$5	-	18 Month Youth CD
0.40%	$5	-	36 Month Bump-Up Youth CD
0.35%	$300	-	12 Month CD
0.35%	$5	-	12 Month Youth CD
0.35%	$5k	-	52 Week CD Special
0.35%	$50k	-	52 Week Jumbo CD Special
0.25%	$300	-	Business 6 Month CD
0.25%	$300	-	Business 12 Month CD
0.25%	$300	-	6 Month CD
0.25%	$50k	-	Business 52 Week Jumbo CD
0.25%	$5	-	6 Month Youth CD
0.25%	$300	-	Business 52 Week CD Special

Freedom Federal Credit Union (MD) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%	$300	-	60 Month IRA
0.70%	$300	-	55 Month IRA Special
0.70%	$300	-	Business 55 Month IRA
0.70%	$300	-	Business 60 Month IRA
0.65%	$300	-	48 Month IRA
0.65%	$50k	-	42 Month Jumbo IRA Special
0.65%	$50k	-	Business 42 Month Jumbo IRA Special
0.65%	$300	-	Business 48 Month IRA
0.60%	$300	-	25 Month IRA Special
0.60%	$50k	-	25 Month Jumbo IRA Special
0.60%	$300	-	Business 24 Month IRA
0.60%	$300	-	Business 25 Month IRA Special
0.60%	$50k	-	Business 25 Month Jumbo IRA Special
0.60%	$300	-	Business 36 Month IRA
0.55%	$300	-	48 Month Bump-Up IRA
0.55%	$300	-	Business 48 Month Bump-Up IRA
0.50%	$300	-	24 Month IRA
0.50%	$300	-	36 Month IRA
0.50%	$300	-	Business 18 Month IRA
0.50%	$300	-	Business 36 Month Bump-Up IRA
0.40%	$300	-	18 Month IRA
0.40%	$300	-	36 Month Bump-Up IRA
0.35%	$300	-	12 Month IRA
0.35%	$5k	-	52 Week IRA Special
0.35%	$50k	-	52 Week Jumbo IRA Special
0.25%	$300	-	6 Month IRA
0.25%	$300	-	Business 6 Month IRA
0.25%	$5k	-	Business 52 Week IRA Special
0.25%	$50k	-	Business 52 Week Jumbo IRA Special
0.25%	$300	-	Business 12 Month IRA

Locations

Freedom Federal Credit Union (MD) Locations
Branch Office	1990 Rock Spring Rd	Forest Hill, MD 21050
Branch Office	8213 Hoadley Rd Bldg E5002	Gunpowder, MD 21010
Branch Office	2019 Emmorton Rd	Bel Air, MD 21015
Branch Office	1304 E Churchville Rd	Bel Air, MD 21014
Branch Office	1830 Pulaski Hwy Ste C	Havre de Grace, MD 21078
Branch Office	5000 HONEYGO CENTER DR	PERRY HALL, MD 21128

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