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 804th 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.
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Health Grade Components

NCUA #8550
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD5.32%
Annual Interest Income$14.1MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$411.3MM$379.6MM
LoansQ4 2021vs Q4 2020$335.9MM$299.9MM
DepositsQ4 2021vs Q4 2020$376.2MM$345.8MM
Equity CapitalQ4 2021vs Q4 2020$32.5MM$31.1MM
Loan Loss AllowanceQ4 2021vs Q4 2020$927.00K$1.2MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$726.00K$1.5MM
Real Estate OwnedQ4 2021vs Q4 2020$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

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

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

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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