What are the current interest rates at Freedom Of Maryland Federal Credit Union?

Current rates for Freedom Of Maryland Federal Credit Union include: 12-Month CD: 3.80%, 18-Month CD: 3.80%, 24-Month CD: 3.60%, 60-Month CD: 3.80%, Savings: 3.00%, MMA: 0.95%

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Freedom Of Maryland Federal Credit Union

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Freedom Of Maryland Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Freedom Of Maryland Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Freedom Of Maryland Federal Credit Union's top rates as of October 12, 2026 are 4.60% APY on its 19-Month Educator SPECIAL CD, 3.00% APY on savings, 0.95% APY on money market accounts, 3.00% APY on checking, personal loans from 4.99% APR, and credit cards from 7.00% APR, according to rates verified by MonitorBankRates. Other Freedom Of Maryland Federal Credit Union CD rates include 18-Month Share and IRA CD Special at 3.80%, 52-Week Jumbo Share and Jumbo IRA CD Special at 3.80%, and 1 Year 52-Week Share and IRA CD Special at 3.80%. MonitorBankRates evaluates the financial stability of Freedom Of Maryland Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.84%. Rates last updated and verified on 10/12/2026.

Freedom Of Maryland Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Freedom Of Maryland Federal Credit Union? Share your experience about Freedom Of Maryland Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Freedom Of Maryland Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.84%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Freedom Of Maryland Federal Credit Union
Park Avenue

2019 Emmorton Rd
Bel Air, MD 21015

https://www.freedomfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Freedom Of Maryland Federal Credit Union CD Rates

Product	Rate	APY	Term
19-Month Educator SPECIAL Certificate	4.52%	4.60%	19 months
Min Deposit $300 Details Offered exclusively to employees of Harford County Public Schools, Baltimore County Public Schools, and Baltimore County and Harford County private schools; promotional APY available only for new money not on deposit with Freedom FCU; renews to 6-month Regular Share or IRA Certificate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
18-Month Share and IRA Certificate Special	-	3.80%	18-Month
Min Deposit $300 Details Special certificate; fees could reduce earnings; penalty for early withdrawal; upon maturity renews to a 52-Week Regular Share or IRA Certificate Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 4, 20263.80%▲ from 3.55% Sep 12, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
52-Week Jumbo Share and Jumbo IRA Certificate Special	-	3.80%	52-Week
Min Deposit $50,000 Details Jumbo special certificate; fees could reduce earnings; penalty for early withdrawal Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 4, 20263.80%▲ from 3.55% Sep 12, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
1 Year 52-Week Share and IRA Certificate Special	-	3.80%	1 Year
Min Deposit $300 Details Special certificate; fees could reduce earnings; penalty for early withdrawal Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 4, 20263.80%▲ from 3.55% Sep 12, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
55-Month Share and IRA Certificate Special	-	3.80%	55-Month
Min Deposit $300 Details Special certificate; fees could reduce earnings; penalty for early withdrawal; upon maturity renews to a 48-Month Regular Share or IRA Certificate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Regular Share, Youth and IRA Certificates - 12-Month	3.75%	3.80%	12-Month
Min Deposit $300 Details $300 minimum opening deposit for regular share and IRA accounts; $5 minimum deposit for youth club members under 18; early withdrawal penalty applies Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Regular Share, Youth and IRA Certificates - 18-Month SPECIAL	3.75%	3.80%	18-Month
Min Deposit $300 Details Special certificate; $300 minimum opening deposit for all special certificates; early withdrawal penalty applies Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Regular Share, Youth and IRA Certificates - 48-Month	3.75%	3.80%	48-Month
Min Deposit $300 Details $300 minimum opening deposit for regular share and IRA accounts; $5 minimum deposit for youth club members under 18; early withdrawal penalty applies Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Regular Share, Youth and IRA Certificates - 52-Week SPECIAL	3.75%	3.80%	52-Week
Min Deposit $300 Details Special certificate; $300 minimum opening deposit for all special certificates; early withdrawal penalty applies Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Regular Share, Youth and IRA Certificates - 55-Month SPECIAL	3.75%	3.80%	55-Month
Min Deposit $300 Details Special certificate; $300 minimum opening deposit for all special certificates; upon maturity renews to 48-month Regular Share and IRA Certificate; early withdrawal penalty applies Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Regular Share, Youth and IRA Certificates - 60-Month	3.75%	3.80%	60-Month
Min Deposit $300 Details $300 minimum opening deposit for regular share and IRA accounts; $5 minimum deposit for youth club members under 18; early withdrawal penalty applies Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
42-Month Jumbo Share and Jumbo IRA Certificate Special	-	3.75%	42-Month
Min Deposit $50,000 Details Jumbo special certificate; fees could reduce earnings; penalty for early withdrawal; upon maturity renews to a 36-Month Jumbo Share or Jumbo IRA Certificate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Regular Share, Youth and IRA Certificates - 6-Month	3.70%	3.75%	6-Month
Min Deposit $300 Details $300 minimum opening deposit for regular share and IRA accounts; $5 minimum deposit for youth club members under 18; early withdrawal penalty applies Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Regular Share, Youth and IRA Certificates - 36-Month	3.65%	3.70%	36-Month
Min Deposit $300 Details $300 minimum opening deposit for regular share and IRA accounts; $5 minimum deposit for youth club members under 18; early withdrawal penalty applies Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Regular Share, Youth and IRA Certificates - 48-Month Bump-Up	3.65%	3.70%	48-Month
Min Deposit $300 Details Bump-Up Share Certificate; member may elect once during term to receive the higher rate then offered on Bump-Up certificates; early withdrawal penalty applies Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
25-Month Jumbo Share and Jumbo IRA Certificate Special	-	3.60%	25-Month
Min Deposit $50,000 Details Jumbo special certificate; fees could reduce earnings; penalty for early withdrawal; upon maturity renews to a 24-Month Jumbo Share or Jumbo IRA Certificate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
25-Month Share and IRA Certificate Special	-	3.60%	25-Month
Min Deposit $300 Details Special certificate; fees could reduce earnings; penalty for early withdrawal; upon maturity renews to a 24-Month Regular Share or IRA Certificate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Regular Share, Youth and IRA Certificates - 24-Month	3.55%	3.60%	24-Month
Min Deposit $300 Details $300 minimum opening deposit for regular share and IRA accounts; $5 minimum deposit for youth club members under 18; early withdrawal penalty applies Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Regular Share, Youth and IRA Certificates - 25-Month SPECIAL	3.55%	3.60%	25-Month
Min Deposit $300 Details Special certificate; $300 minimum opening deposit for all special certificates; upon maturity renews to 24-month Regular Share and IRA Certificate; early withdrawal penalty applies Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Regular Share, Youth and IRA Certificates - 36-Month Bump-Up	3.55%	3.60%	36-Month
Min Deposit $300 Details Bump-Up Share Certificate; member may elect once during term to receive the higher rate then offered on Bump-Up certificates; early withdrawal penalty applies Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%

Freedom Of Maryland Federal Credit Union Savings Rates

Product	Rate	APY
Journey Youth Savings	3.00%	3.00%
Min Balance $0 Details Balance: $0.01 - $1,500.00 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Educator Savings	2.50%	2.50%
Min Balance $1 Details Balance: $1-$10,000; Available to Baltimore County and Harford County school employees in the public and private sector Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Journey Youth Savings	0.50%	0.50%
Min Balance $1,501 Details Balance: $1,501.00+ Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Educator Savings	0.35%	0.35%
Min Balance $10,001 Details Balance: $10,001; Available to Baltimore County and Harford County school employees in the public and private sector Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
EasySaver	0.10%	0.10%
Min Balance $100 Details Minimum $100 daily balance to earn dividends; Funded by daily round-up transfers from checking; deposits other than the daily EasySaver transfer not permitted Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Secondary Savings	0.10%	0.10%
Min Balance $100 Details Minimum $100 daily balance to earn dividends; Includes Christmas Club accounts Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Share Savings	0.10%	0.10%
Min Balance $100 Details Minimum $100 daily balance to earn dividends Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%

Freedom Of Maryland Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market/Money Market IRA	0.95%	0.95%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Money Market/Money Market IRA	0.65%	0.65%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000-$74,999.99 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Money Market/Money Market IRA	0.65%	0.65%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000-$99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Money Market/Money Market IRA	0.60%	0.60%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Money Market/Money Market IRA	0.45%	0.45%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Money Market/Money Market IRA	0.40%	0.40%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500-$9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%

Freedom Of Maryland Federal Credit Union Checking Rates

Product	Rate	APY	View More
Empower Checking	3.00%	3.00%
Min Balance $0 Details Qualifications Required; Balance: $0.01 - $10,000.00; Qualifying balance up to $10,000.00; Opt-in to electronic statements; Minimum 15 qualifying POS debit card purchases per month Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%

Freedom Of Maryland Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Fixed-rate Home Equity Loan	-	-	6.24%
Details As Low As; Receive $1,000 towards closing costs Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Variable-rate Home Equity Line of Credit	-	-	7.00%
Details As Low As; No closing costs Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 8, 20267.00%▲ from 6.75% Sep 17, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%

Freedom Of Maryland Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loans - Boat- New	-	-	4.94%	180 months
Details As Low As; Automated Payments APR; Loan Amount: $20,001; Estimated Monthly Payment per $1,000: $7.88 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.94% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Motorcycle- New	-	-	4.99%	48 months
Details As Low As; Automated Payments APR; Loan Amount: Up to $14,999; Estimated Monthly Payment per $1,000: $23.03 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Boat- New	-	-	5.24%	120 months
Details As Low As; Automated Payments APR; Loan Amount: Up to $20,000; Estimated Monthly Payment per $1,000: $10.73 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Motorcycle- New	-	-	5.24%	60 months
Details As Low As; Automated Payments APR; Loan Amount: Up to $14,999; Estimated Monthly Payment per $1,000: $18.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Boat- New	-	-	5.34%	84 months
Details As Low As; Automated Payments APR; Loan Amount: Up to $20,000; Estimated Monthly Payment per $1,000: $14.30 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Boat- Used	-	-	5.34%	180 months
Details As Low As; Automated Payments APR; Loan Amount: $20,001; Estimated Monthly Payment per $1,000: $8.09 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Boat- Used	-	-	5.49%	120 months
Details As Low As; Automated Payments APR; Loan Amount: Up to $20,000; Estimated Monthly Payment per $1,000: $10.86 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Motorcycle- New	-	-	5.49%	72 months
Details As Low As; Automated Payments APR; Loan Amount: $15,000; Estimated Monthly Payment per $1,000: $16.34 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Motorcycle- Used	-	-	5.49%	48 months
Details As Low As; Automated Payments APR; Loan Amount: Up to $14,999; Estimated Monthly Payment per $1,000: $23.26 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Boat- New	-	-	5.54%	72 months
Details As Low As; Automated Payments APR; Loan Amount: Up to $20,000; Estimated Monthly Payment per $1,000: $16.36 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.54% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Boat- Used	-	-	5.74%	84 months
Details As Low As; Automated Payments APR; Loan Amount: Up to $20,000; Estimated Monthly Payment per $1,000: $14.49 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Motorcycle- Used	-	-	5.74%	60 months
Details As Low As; Automated Payments APR; Loan Amount: Up to $14,999; Estimated Monthly Payment per $1,000: $19.22 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - RV- New & Used (2020-2025)	-	-	5.74%	up to 180 months
Details As Low As; Automated Payments APR; Loan Amount: $50,000+; Estimated Monthly Payment per $1,000: $8.30 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Auto- New	-	-	5.94%	48 months
Details As Low As; Automated Payments APR; Estimated Monthly Payment per $1,000: $23.47 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.94% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Boat- Used	-	-	5.99%	72 months
Details As Low As; Automated Payments APR; Loan Amount: Up to $20,000; Estimated Monthly Payment per $1,000: $16.58 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Motorcycle- Used	-	-	5.99%	72 months
Details As Low As; Automated Payments APR; Loan Amount: $15,000; Estimated Monthly Payment per $1,000: $16.58 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - RV- New & Used (2020-2025)	-	-	5.99%	up to 180 months
Details As Low As; Automated Payments APR; Loan Amount: $25,000 - $49,999; Estimated Monthly Payment per $1,000: $8.43 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Auto- New	-	-	6.19%	63 months
Details As Low As; Automated Payments APR; Estimated Monthly Payment per $1,000: $18.64 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.19% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - RV - Used (2015-2019)	-	-	6.24%	up to 180 months
Details As Low As; Automated Payments APR; Loan Amount: $50,000+; Estimated Monthly Payment per $1,000: $8.57 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - RV- New & Used (2020-2025)	-	-	6.24%	up to 120 months
Details As Low As; Automated Payments APR; Loan Amount: $10,000 - $24,999; Estimated Monthly Payment per $1,000: $11.22 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Auto- Used	-	-	6.34%	48 months
Details As Low As; Automated Payments APR; Estimated Monthly Payment per $1,000: $23.65 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Motorcycle- New	-	-	6.49%	84 months
Details As Low As; Automated Payments APR; Loan Amount: $20,000; Estimated Monthly Payment per $1,000: $14.85 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - RV - Used (2015-2019)	-	-	6.49%	up to 180 months
Details As Low As; Automated Payments APR; Loan Amount: $25,000 - $49,999; Estimated Monthly Payment per $1,000: $8.71 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Auto- Used	-	-	6.59%	63 months
Details As Low As; Automated Payments APR; Estimated Monthly Payment per $1,000: $18.83 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.59% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Auto- New	-	-	6.69%	75 months
Details As Low As; Automated Payments APR; Estimated Monthly Payment per $1,000: $16.36 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Motorcycle- Used	-	-	6.74%	84 months
Details As Low As; Automated Payments APR; Loan Amount: $20,000; Estimated Monthly Payment per $1,000: $14.97 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - RV - Used (2015-2019)	-	-	6.74%	up to 120 months
Details As Low As; Automated Payments APR; Loan Amount: $10,000-$24,999; Estimated Monthly Payment per $1,000: $11.48 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Auto- Used	-	-	7.09%	75 months
Details As Low As; Automated Payments APR; Estimated Monthly Payment per $1,000: $16.55 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.09% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Auto- New	-	-	7.49%	84 months
Details As Low As; Automated Payments APR; Loan Amount: $20,000; Estimated Monthly Payment per $1,000: $15.34 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Vehicle Loans - Auto- Used	-	-	7.89%	84 months
Details As Low As; Automated Payments APR; Loan Amount: $20,000; Estimated Monthly Payment per $1,000: $15.54 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.89% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%

Freedom Of Maryland Federal Credit Union Credit Card Rates

Product	Rate	APR
Educator Visa	-	7.00%
Details Equals Prime Rate; Rates available on approved credit Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 4, 20267.00%▲ from 6.75% Sep 12, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Visa Platinum (Based on prime)	-	11.49%
Details As Low As; Based on Prime Rate; Rates available on approved credit Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Visa Platinum Rewards (Based on prime)	-	12.99%
Details As Low As; Based on Prime Rate; Rates available on approved credit Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Visa Signature (Based on prime)	-	13.49%
Details As Low As; Based on Prime Rate; Rates available on approved credit Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%

Freedom Of Maryland Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Debt Consolidation Loan	4.99%
Details Rate quoted based on 36 month term, $1,000 up to $30,000; Rates available on approved credit; 0.25% discount with e-Statements and automated payments on select collateral loans Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Visa Signature (Based on prime)	13.49%
Details As Low As; Based on Prime Rate; Rates available on approved credit Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%

Freedom Of Maryland Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Anything Loan	-	-	4.99%	Terms to 60 months
Details Rate quoted based on 36 month term, $500 up to $30,000; Rates available on approved credit; 0.25% discount with e-Statements and automated payments on select collateral loans Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Variable-Rate Line of Credit	-	-	11.74%
Details Published APR range: 11.74%-18.00%. Variable rate; Based on Prime Rate; Prime rate is 7.00% as of September 17, 2026, must be for $20,000 or more to qualify for the rate listed Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 11.49% → 11.74% ▲ 0.25 pts · high 11.74% / low 11.49% Oct 4, 202611.74%▲ from 11.49% Sep 12, 202611.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
First Home Registry	0.10%	-	0.10%
Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Individual Retirement Account (IRA)	0.10%	-	0.10%
Details Rates effective September 25, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Jumbo Share and Jumbo IRA Certificates - 25-Month SPECIAL	3.55%	-	3.60%	25-Month
Min Deposit $50,000 Details Jumbo certificate; $50,000 minimum opening deposit; Upon maturity, renews to 24 Jumbo Share and Jumbo IRA Certificate; Fees could reduce earnings on the account; A penalty will be imposed for early withdrawal that could reduce earnings; Consult a qualified tax adviser for potential tax savings; Rates effective September 25, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Jumbo Share and Jumbo IRA Certificates - 42-Month SPECIAL	3.70%	-	3.75%	42-Month
Min Deposit $50,000 Details Jumbo certificate; $50,000 minimum opening deposit; Upon maturity, renews to 36 month Jumbo Share and Jumbo IRA Certificate; Fees could reduce earnings on the account; A penalty will be imposed for early withdrawal that could reduce earnings; Consult a qualified tax adviser for potential tax savings; Rates effective September 25, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%
Jumbo Share and Jumbo IRA Certificates - 52-Week SPECIAL	3.75%	-	3.80%	52-Week
Min Deposit $50,000 Details Jumbo certificate; $50,000 minimum opening deposit; Fees could reduce earnings on the account; A penalty will be imposed for early withdrawal that could reduce earnings; Consult a qualified tax adviser for potential tax savings; Rates effective September 25, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 4, 20263.80%▲ from 3.55% Sep 12, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.84%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Freedom Of Maryland Federal Credit Union’s Texas Ratio rose from 11.02% in Q3 2023 to 12.84% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$557M	12.84%	5.0	A
March 31, 2026	$564M	11.68%	5.0	A
December 31, 2025	$557M	9.96%	5.0	A
September 30, 2025	$555M	8.78%	5.0	A
June 30, 2025	$570M	11.55%	5.0	A
March 31, 2025	$582M	11.46%	5.0	A
December 31, 2024	$474M	14.74%	5.0	A-
September 30, 2024	$467M	14.71%	5.0	A-
June 30, 2024	$476M	13.54%	5.0	A
March 31, 2024	$462M	10.42%	5.0	A
December 31, 2023	$435M	14.22%	5.0	A-
September 30, 2023	$431M	11.02%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Freedom Of Maryland Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Freedom Of Maryland Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Freedom Of Maryland Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Freedom Of Maryland Federal Credit Union

Website https://www.freedomfcu.org

Address 2019 Emmorton Rd, Bel Air, MD 21015

Phone 410-676-5700

Fax 443-512-8389

President Lisa Ermatinger

CEO Michael MacPherson

Full-Time Employees 119

Part-Time Employees 2

Branch Locations 8

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.84%

Return on Assets (ROA)

0.3424%

Return on Equity (ROE)

3.9557%

Non-Performing Loans Ratio (NPL)

1.55%

Total Assets

557,402,880

Total Amount of Shares and Deposits

494,998,142

Total Shares and Deposits < 1 Year

416,605,413

Total Shares and Deposits 1 3 Years

63,590,495

Total Shares and Deposits > 3 Years

14,802,235

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

25,961,611

Total Uninsured Shares and Deposits > $250K (F+J)

25,961,611

Total Insured Shares and Deposits > $250K (item 17 less item K)

469,036,531

Total Interest Expense (Sum of items 6 8)

3,417,122

Share Certificates

2,999

Number of Accounts for Share Drafts

18,506

IRA KEOGH Accounts

1,673

Number of Accounts for Regular Shares

38,064

Money Market Shares

809

Net Income (unless the amount is already included in Undivided Earnings)

1,908,351

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

83,372,927

Total Liabilities

510,148,267

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Freedom Of Maryland Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Freedom Of Maryland Federal Credit Union

How many branches does Freedom Of Maryland Federal Credit Union operate?

Freedom Of Maryland Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Freedom Of Maryland Federal Credit Union?

Yes, to access services at Freedom Of Maryland Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Freedom Of Maryland Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Freedom Of Maryland Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Freedom Of Maryland Federal Credit Union offer online and mobile banking?

Most modern institutions like Freedom Of Maryland Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.freedomfcu.org.

Current Freedom Of Maryland Federal Credit Union Rates

12-Month CD3.80%
18-Month CD3.80%
24-Month CD3.60%
60-Month CD3.80%
Savings3.00%
MMA0.95%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Freedom Of Maryland Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Freedom Of Maryland Federal Credit Union Texas Ratio

Freedom Of Maryland Federal Credit Union Health Trend

Freedom Of Maryland Federal Credit Union CD Rates

Freedom Of Maryland Federal Credit Union Savings Rates

Freedom Of Maryland Federal Credit Union Money Market Rates

Freedom Of Maryland Federal Credit Union Checking Rates

Freedom Of Maryland Federal Credit Union Home Equity & HELOC

Freedom Of Maryland Federal Credit Union Auto Loan Rates

Freedom Of Maryland Federal Credit Union Credit Card Rates

Freedom Of Maryland Federal Credit Union Personal Loan Rates

Freedom Of Maryland Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Freedom Of Maryland Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Freedom Of Maryland Federal Credit Union

How many branches does Freedom Of Maryland Federal Credit Union operate?

Is a member application needed to join Freedom Of Maryland Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Freedom Of Maryland Federal Credit Union offer online and mobile banking?

Current Freedom Of Maryland Federal Credit Union Rates

Compare to Other Credit Unions