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: 3.55%, 18-Month CD: 3.55%, 24-Month CD: 3.60%, Savings: 0.10%, MMA: 0.00%

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Freedom Of Maryland Federal Credit Union

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Freedom Of Maryland Federal Credit Union Rates & Review August 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: August 28, 2026

Freedom Of Maryland Federal Credit Union's 55-Month Share and IRA CD Special rates are at 3.80%, 48-Month Regular CD rates are at 3.80%, 55-Month SPECIAL CD rates are at 3.80%, 42-Month Jumbo Share and Jumbo IRA CD Special rates are at 3.75%, Jumbo Share and Jumbo IRA CDs 42-Month SPECIAL rates are at 3.75%. Freedom Of Maryland Federal Credit Union's savings rates are at 0.10%. Freedom Of Maryland Federal Credit Union's money market rates are at 0.00%. Freedom Of Maryland Federal Credit Union's Personal Loan Rates are at 5.94%. 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 8.78%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.78%

Excellent Higher than avg

Freedom Of Maryland Federal Credit Union
Park Avenue

2019 Emmorton Rd
Bel Air, MD 21015

https://www.freedomfcu.org

Freedom Of Maryland Federal Credit Union CD Rates

Product	Rate	APY	Term
55-Month Share and IRA Certificate Special	-	3.80%	55-Month
Min Deposit $300 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
48-Month Regular Share Certificate	3.75%	3.80%	48-Month
Min Deposit $300 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
55-Month SPECIAL Certificate	3.75%	3.80%	55-Month
Min Deposit $300 Details Upon maturity, Special 25-month Certificate renews to 24 month Regular Share and IRA Certificate. Upon maturity, Special 55-month Certificate renews to 48 month Regular Share and IRA Certificate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
42-Month Jumbo Share and Jumbo IRA Certificate Special	-	3.75%	42-Month
Min Deposit $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Jumbo Share and Jumbo IRA Certificates 42-Month SPECIAL	3.70%	3.75%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
48-Month Bump-Up Share Certificate	3.65%	3.70%	48-Month
Min Deposit $300 Details Members have the option, once during the term of a Bump-Up Share or IRA Certificate, to elect to receive the higher rate being offered on Bump-Up Share or IRA Certificates. Members may only exercise this option once during the term of the Bump-Up Share / IRA Certificate. The election to exchange to the higher rate must be made in writing. No additional changes will be permitted. The new rate will be effective from the date the Credit Union (Freedom) we receive notification of the election and will continue for the remainder of the Bump-Up Share Certificate term. If you never elect the exchange option, the original rate will continue. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
36-Month Regular Share Certificate	3.65%	3.70%	36-Month
Min Deposit $300 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
25-Month Jumbo Share and Jumbo IRA Certificate Special	-	3.60%	25-Month
Min Deposit $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
25-Month Share and IRA Certificate Special	-	3.60%	25-Month
Min Deposit $300 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
36-Month Bump-Up Share Certificate	3.55%	3.60%	36-Month
Min Deposit $300 Details Members have the option, once during the term of a Bump-Up Share or IRA Certificate, to elect to receive the higher rate being offered on Bump-Up Share or IRA Certificates. Members may only exercise this option once during the term of the Bump-Up Share / IRA Certificate. The election to exchange to the higher rate must be made in writing. No additional changes will be permitted. The new rate will be effective from the date the Credit Union (Freedom) we receive notification of the election and will continue for the remainder of the Bump-Up Share Certificate term. If you never elect the exchange option, the original rate will continue. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Jumbo Share and Jumbo IRA Certificates 25-Month SPECIAL	3.55%	3.60%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
24-Month Regular Share Certificate	3.55%	3.60%	24-Month
Min Deposit $300 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
25-Month SPECIAL Certificate	3.55%	3.60%	25-Month
Min Deposit $300 Details Upon maturity, Special 25-month Certificate renews to 24 month Regular Share and IRA Certificate. Upon maturity, Special 55-month Certificate renews to 48 month Regular Share and IRA Certificate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
18-Month Share and IRA Certificate Special	-	3.55%	18-Month
Min Deposit $300 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
52-Week Jumbo Share and Jumbo IRA Certificate Special	-	3.55%	52-Week
Min Deposit $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
1 Year 52-Week Share and IRA Certificate Special	-	3.55%	1 Year
Min Deposit $300 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Jumbo Share and Jumbo IRA Certificates 52-Week SPECIAL	3.50%	3.55%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
12-Month Regular Share Certificate	3.50%	3.55%	12-Month
Min Deposit $300 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
52-Week SPECIAL Certificate	3.50%	3.55%	52-Week
Min Deposit $300 Details Upon maturity, Special 25-month Certificate renews to 24 month Regular Share and IRA Certificate. Upon maturity, Special 55-month Certificate renews to 48 month Regular Share and IRA Certificate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
6-Month Regular Share Certificate	3.46%	3.50%	6-Month
Min Deposit $300 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%

Freedom Of Maryland Federal Credit Union Savings Rates

Product	Rate	APY
Journey Youth Savings	3.00%	3.00%
Min Balance $0 Details For members with the youth account type Choices only. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Educator Savings	2.50%	2.50%
Min Balance $1 Details Available to Baltimore County and Harford County school employees in the public and private sector Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Journey Youth Savings	0.50%	0.50%
Min Balance $1,501 Details For members with the youth account type Choices only. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Educator Savings	0.35%	0.35%
Min Balance $10,001 Details Available to Baltimore County and Harford County school employees in the public and private sector Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
EasySaver	0.10%	0.10%
Min Balance $5 Details Funds in this account cannot be used as overdraft protection for any other share account. You have full access to the funds in your EasySaver account at any time. Credit transactions or adjustment transactions will not be rounded up. Deposits other than the daily EasySaver transfer are not permitted on this account. ATM/Debit Card transactions and ACH deposits and withdrawals are not permitted on this account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Secondary Savings	0.10%	0.10%
Min Balance $100 Details Secondary savings includes Christmas Club accounts Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Share Savings	0.10%	0.10%
Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%

Freedom Of Maryland Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market/Money Market IRA	0.95%	0.95%
Min Balance $100,000 Details Minimum opening balance of $2,500 for all Money Market/Money Market IRAs. A $10 monthly service. Charge will be assessed when the average monthly minimum balance falls below $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Money Market/Money Market IRA	0.65%	0.65%
Min Balance $50,000 Details Minimum opening balance of $2,500 for all Money Market/Money Market IRAs. A $10 monthly service. Charge will be assessed when the average monthly minimum balance falls below $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Money Market/Money Market IRA	0.60%	0.60%
Min Balance $25,000 Details Minimum opening balance of $2,500 for all Money Market/Money Market IRAs. A $10 monthly service. Charge will be assessed when the average monthly minimum balance falls below $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Money Market/Money Market IRA	0.45%	0.45%
Min Balance $2,500 Details Minimum opening balance of $2,500 for all Money Market/Money Market IRAs. A $10 monthly service. Charge will be assessed when the average monthly minimum balance falls below $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Money Market/Money Market IRA	0.40%	0.40%
Min Balance $2,500 Details Minimum opening balance of $2,500 for all Money Market/Money Market IRAs. A $10 monthly service. Charge will be assessed when the average monthly minimum balance falls below $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Money Market/Money Market IRA	0.00%	0.00%
Min Balance $0 Details Minimum opening balance of $2,500 for all Money Market/Money Market IRAs. A $10 monthly service. Charge will be assessed when the average monthly minimum balance falls below $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%

Freedom Of Maryland Federal Credit Union Checking Rates

Product	Rate	APY
Empower Checking	-	3.00%
Details Qualifications Required: See Empower Checking page for complete details.; Earn 3.00% APY* on balances up to $10,000 with no maintenance or monthly fees. Bill Payer is free when the account is active with at least one transaction performed each month. If Bill Payer is not active, a $7 monthly service charge is applied. Online gift check costs $2.99. Online charitable donation is $1.99. In-network includes ATMs at Freedom branches or other locations, MoneyPass®, and select Baltimore area credit unions. Freedom does not have control over fees that may be charged by other financial institutions, third party service providers, or ATM owners. All rates are subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Empower Checking - Monthly balance of	3.00%	3.00%
Min Balance $0 Details $0.01 - $10,000.00 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Empower Checking - Monthly and over	0.25%	0.25%
Min Balance $10,000 Details balance $10,000.01 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Rewards Checking	0.15%	0.15%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Empower Checking - (Account balance that does not meet earnings criteria)	0.05%	0.05%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%

Freedom Of Maryland Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Fixed-rate Home Equity Loan (Receive towards closing costs)	-	-	6.24%
Details $1,000; As low as. Rates are subject to change without notice, and may vary according to credit history. Rates and terms may be different as determined by collateral and individual credit worthiness. Freedom will pay the closing costs up to a maximum of $1,000. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. The interest of the portion of credit extension greater than the fair market value of the dwelling is not tax deductible. Consult your tax advisor for further information regarding the deductibility of interest and charges. Promotional incentives and discounts may NOT be combined. Prime rate is 6.75% as of December 11, 2025. Rates effective November 28, 2025; all rates and promotions are subject to change. See full schedule of rates. Equal Housing Lender. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Variable-rate Home Equity Line of Credit (No closing costs)	-	-	6.75%
Details Rates are subject to change without notice, and may vary according to credit history. Rates and terms may be different as determined by collateral and individual credit worthiness. Freedom will pay the closing costs up to a maximum of $1,000. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. The interest of the portion of credit extension greater than the fair market value of the dwelling is not tax deductible. Consult your tax advisor for further information regarding the deductibility of interest and charges. Promotional incentives and discounts may NOT be combined. Prime rate is 6.75% as of December 11, 2025. Rates effective November 28, 2025; all rates and promotions are subject to change. See full schedule of rates. Equal Housing Lender. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%

Freedom Of Maryland Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto- New	-	-	5.94%	48
Details As Low As; Rate quoted based on 36 month term, $2,500 up to $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Auto- New	-	-	6.19%	63
Details As Low As; Rate quoted based on 36 month term, $2,500 up to $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Auto- Used	-	-	6.34%	48
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Auto- Used	-	-	6.59%	63
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Auto- New	-	-	6.69%	75
Details As Low As; Rate quoted based on 36 month term, $2,500 up to $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Auto- Used	-	-	7.09%	75
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Auto- New	-	-	7.49%	84
Details As Low As; Rate quoted based on 36 month term, $2,500 up to $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Auto- Used	-	-	7.89%	84
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%

Freedom Of Maryland Federal Credit Union Credit Card Rates

Product	Rate	APR
Educator Visa	-	6.75%
Details Equals Prime Rate Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Visa Platinum	-	11.24%
Details As low as; Based on prime Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Visa Platinum Rewards	-	12.74%
Details As low as; Based on prime Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Visa Signature	-	13.24%
Details As low as; Based on prime Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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 118

Part-Time Employees 4

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 (96/100)

Texas Ratio

8.78%

Return on Assets (ROA)

0.3411%

Return on Equity (ROE)

4.0795%

Non-Performing Loans Ratio (NPL)

0.99%

Total Assets

554,748,547

Total Amount of Shares and Deposits

495,102,996

Total Shares and Deposits < 1 Year

440,535,893

Total Shares and Deposits 1 3 Years

38,256,558

Total Shares and Deposits > 3 Years

16,310,545

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

33,784,096

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

33,784,096

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

461,318,900

Total Interest Expense (Sum of items 6 8)

6,247,987

Share Certificates

3,580

Number of Accounts for Share Drafts

19,534

IRA KEOGH Accounts

1,596

Number of Accounts for Regular Shares

40,208

All other shares

Money Market Shares

908

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

1,814,982

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)

62,189,979

Total Liabilities

509,727,876

Source: NCUA — Last Updated 09/30/2025

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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.