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Freedom Of Maryland Federal Credit Union

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Freedom Of Maryland Federal Credit Union Rates & Review July 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: July 15, 2026

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 were last updated on 07/15/2026.

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 Checking Rates

Product	Rate	APY
Empower Checking	3.00%	3.00%
Min Balance $0 Details Qualifications Required: 15 qualifying Point-Of-Sale (POS) purchase transactions per month; opt-in to electronic statements; Monthly balance of $0.01 - $10,000.00. To earn the higher rate, you must opt-in to electronic statements, and complete a minimum of 15 qualifying Point-Of-Sale (POS) purchase transactions per month using your Freedom Federal Credit Union debit card. To qualify, debit card transactions must process, post, and clear within the calendar month. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify. Product and rates subject to change. Membership eligibility applies. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Empower Checking	0.25%	0.25%
Min Balance $10,000 Details Qualifications Required: 15 qualifying Point-Of-Sale (POS) purchase transactions per month; opt-in to electronic statements; Monthly balance $10,000.01 and over. To earn the higher rate, you must opt-in to electronic statements, and complete a minimum of 15 qualifying Point-Of-Sale (POS) purchase transactions per month using your Freedom Federal Credit Union debit card. To qualify, debit card transactions must process, post, and clear within the calendar month. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify. Product and rates subject to change. Membership eligibility applies. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Rewards Checking	0.15%	0.15%
Details Qualifications Required: 6 transactions per calendar month; minimum balance of $1000; Existing Rewards Checking Accounts will incur a $10 monthly service charge if the minimum requirements of 6 (six) transactions per calendar month AND a minimum balance of $1000 are not met. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Empower Checking	0.05%	0.05%
Details Qualifications Required: 15 qualifying Point-Of-Sale (POS) purchase transactions per month; opt-in to electronic statements; Account balance that does not meet earnings criteria. To earn the higher rate, you must opt-in to electronic statements, and complete a minimum of 15 qualifying Point-Of-Sale (POS) purchase transactions per month using your Freedom Federal Credit Union debit card. To qualify, debit card transactions must process, post, and clear within the calendar month. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify. Product and rates subject to change. Membership eligibility applies. Last Updated 07/15/2026 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
Home Equity Loan	-	-	6.24%
Details As low as* Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.78%
Home Equity Line of Credit	-	-	7.00%
Details Variable-Rate; As low as Last Updated 07/15/2026 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	View More
Auto Loan	-	-	5.94%
Details As low as* Last Updated 07/15/2026 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	View More
Visa Signature® Credit Card	-	7.49%
Details Premium Rewards. Signature Service. Last Updated 07/15/2026 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

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

62,189,979

Total Liabilities

509,727,876

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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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.