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%, 60-Month CD: 3.80%, Savings: 0.10%, MMA: 0.40%

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Freedom Of Maryland Federal Credit Union

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Freedom Of Maryland Federal Credit Union Rates & Review September 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: September 20, 2026

Freedom Of Maryland Federal Credit Union's 48 Month Regular CD rates are at 3.80%, 55-Month Share and IRA CD Special rates are at 3.80%, 55-Month SPECIAL CD rates are at 3.80%, 60 Month Regular CD rates are at 3.80%, 42-Month Jumbo Share and Jumbo IRA CD 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 0.40%. Freedom Of Maryland Federal Credit Union's Personal Loan Rates are as low as 4.99%. Freedom Of Maryland Federal Credit Union's Credit Card Rates are at 6.75%. 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 11.68%. Rates last updated and verified on 09/20/2026.

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 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

11.68%

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

Freedom Of Maryland Federal Credit Union CD Rates

Product	Rate	APY	Term
48 Month Regular Share Certificate	3.75%	3.80%	48-Month
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
55-Month Share and IRA Certificate Special	-	3.80%	55-Month
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
55-Month SPECIAL Certificate	3.75%	3.80%	55-Month SPECIAL
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
60 Month Regular Share Certificate	3.75%	3.80%	60-Month
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
42-Month Jumbo Share and Jumbo IRA Certificate Special	-	3.75%	42-Month
Min Deposit $50,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Jumbo Share and Jumbo IRA Certificates 42-Month SPECIAL	3.70%	3.75%	42-Month SPECIAL
Min Deposit $50,000 Details Upon maturity, Special 25-month Jumbo Certificate renews to 24 Jumbo Share and Jumbo IRA Certificate. Upon maturity, Special 42-month Certificate 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
36 Month Regular Share Certificate	3.65%	3.70%	36-Month
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
48 Month Bump-Up Share Certificate	3.65%	3.70%	48-Month Bump-Up
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 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
24 Month Regular Share Certificate	3.55%	3.60%	24-Month
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
25-Month Jumbo Share and Jumbo IRA Certificate Special	-	3.60%	25-Month
Min Deposit $50,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
25-Month Share and IRA Certificate Special	-	3.60%	25-Month
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
25-Month SPECIAL Certificate	3.55%	3.60%	25-Month SPECIAL
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
36 Month Bump-Up Share Certificate	3.55%	3.60%	36-Month Bump-Up
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 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Jumbo Share and Jumbo IRA Certificates 25-Month SPECIAL	3.55%	3.60%	25-Month SPECIAL
Min Deposit $50,000 Details Upon maturity, Special 25-month Jumbo Certificate renews to 24 Jumbo Share and Jumbo IRA Certificate. Upon maturity, Special 42-month Certificate 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
1 Year Term	-	3.55%	1 Year
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
12 Month Regular Share Certificate	3.50%	3.55%	12-Month
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
18-Month Share and IRA Certificate Special	-	3.55%	18-Month
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
18-Month SPECIAL Certificate	3.50%	3.55%	18-Month SPECIAL
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
52-Week Jumbo Share and Jumbo IRA Certificate Special	-	3.55%	52-Week
Min Deposit $50,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
52-Week Share and IRA Certificate Special	-	3.55%	52-Week
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
52-Week SPECIAL Certificate	3.50%	3.55%	52-Week SPECIAL
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Jumbo Share and Jumbo IRA Certificates 52-Week SPECIAL	3.50%	3.55%	52-Week SPECIAL
Min Deposit $50,000 Details Upon maturity, Special 25-month Jumbo Certificate renews to 24 Jumbo Share and Jumbo IRA Certificate. Upon maturity, Special 42-month Certificate 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
6 Month Regular Share Certificate	3.46%	3.50%	6-Month
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%

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.; Balance: $0.01 - $1,500.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
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; Balance: $1-$10,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Journey Youth Savings	0.50%	0.50%
Min Balance $1,501 Details For members with the youth account type Choices only.; Balance: $1,501.00+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
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; Balance: $10,001+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
EasySaver	0.10%	0.10%
Min Balance $5 Details Minimum $5 daily balance to earn dividends. Freedom will round up the amount of any debit card purchases in your checking account to the next whole dollar amount, and transfer the amount in excess of the purchase amount from your checking account to your EasySaver Share Account. 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. 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Secondary Savings	0.10%	0.10%
Details Minimum $100 daily balance to earn dividends. Secondary savings includes Christmas Club accounts Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Share Savings	0.10%	0.10%
Min Balance $100 Details Minimum $100 daily balance to earn dividends. Secondary savings includes Christmas Club accounts Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%

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 ; A $10 monthly service. Charge will be assessed when the average monthly minimum balance falls below $2,500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Money Market/Money Market IRA	0.65%	0.65%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000-$74,999.99; A $10 monthly service. Charge will be assessed when the average monthly minimum balance falls below $2,500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Money Market/Money Market IRA	0.65%	0.65%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000-$99,999.99; A $10 monthly service. Charge will be assessed when the average monthly minimum balance falls below $2,500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Money Market/Money Market IRA	0.60%	0.60%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; A $10 monthly service. Charge will be assessed when the average monthly minimum balance falls below $2,500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Money Market/Money Market IRA	0.45%	0.45%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000-$24,999.99; A $10 monthly service. Charge will be assessed when the average monthly minimum balance falls below $2,500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Money Market/Money Market IRA	0.40%	0.40%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500-$9,999.99; A $10 monthly service. Charge will be assessed when the average monthly minimum balance falls below $2,500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%

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; Balance: $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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
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. All rates are subject to change without notice. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Empower Checking	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000.01 and over Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
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 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Empower Checking	0.05%	0.05%
Details Balance that does not meet earnings criteria Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%

Freedom Of Maryland Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Fixed-rate Home Equity Loan	-	-	6.24%
Details Receive $1,000 towards closing costs; As low as; 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Variable-rate Home Equity Line of Credit	-	-	6.75%
Details No closing costs; 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%

Freedom Of Maryland Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto- New	-	-	5.94%	48 months
Details As Low As; 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Auto- New	-	-	6.19%	63 months
Details 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Auto- Used	-	-	6.34%	48 months
Details 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Auto- Used	-	-	6.59%	63 months
Details 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Auto- New	-	-	6.69%	75 months
Details 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Auto- Used	-	-	7.09%	75 months
Details 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Auto- New	-	-	7.49%	84 months
Details Minimum Loan Amount: $20,000. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Auto- Used	-	-	7.89%	84 months
Details Minimum Loan Amount: $20,000. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%

Freedom Of Maryland Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat- New Loan	-	4.94%	180 months
Details Minimum Loan Amount: $20,001. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Motorcycle- New Loan	-	4.99%	48 months
Details Minimum Loan Amount: Up to $14,999. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Boat- New Loan	-	5.24%	120 months
Details Minimum Loan Amount: Up to $20,000. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Motorcycle- New Loan	-	5.24%	60 months
Details Minimum Loan Amount: Up to $14,999. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Boat- New Loan	-	5.34%	84 months
Details Minimum Loan Amount: Up to $20,000. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Boat- Used Loan	-	5.34%	180 months
Details Minimum Loan Amount: $20,001. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Boat- Used Loan	-	5.49%	120 months
Details Minimum Loan Amount: Up to $20,000. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Motorcycle- New Loan	-	5.49%	72 months
Details Minimum Loan Amount: $15,000. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Motorcycle- Used Loan	-	5.49%	48 months
Details Minimum Loan Amount: Up to $14,999. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Boat- New Loan	-	5.54%	72 months
Details Minimum Loan Amount: Up to $20,000. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Boat- Used Loan	-	5.74%	84 months
Details Minimum Loan Amount: Up to $20,000. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Motorcycle- Used Loan	-	5.74%	60 months
Details Minimum Loan Amount: Up to $14,999. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
RV- New & Used (2020-2025) Loan	-	5.74%	up to 180 months
Details Minimum Loan Amount: $50,000+. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Boat- Used Loan	-	5.99%	72 months
Details Minimum Loan Amount: Up to $20,000. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Motorcycle- Used Loan	-	5.99%	72 months
Details Minimum Loan Amount: $15,000. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
RV- New & Used (2020-2025) Loan	-	5.99%	up to 180 months
Details Minimum Loan Amount: $25,000 - $49,999. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
RV - Used (2015-2019) Loan	-	6.24%	up to 180 months
Details Minimum Loan Amount: $50,000+. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
RV- New & Used (2020-2025) Loan	-	6.24%	up to 120 months
Details Minimum Loan Amount: $10,000 - $24,999. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Motorcycle- New Loan	-	6.49%	84 months
Details Minimum Loan Amount: $20,000. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
RV - Used (2015-2019) Loan	-	6.49%	up to 180 months
Details Minimum Loan Amount: $25,000 - $49,999. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Motorcycle- Used Loan	-	6.74%	84 months
Details Minimum Loan Amount: $20,000. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
RV - Used (2015-2019) Loan	-	6.74%	up to 120 months
Details Minimum Loan Amount: $10,000-$24,999. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%

Freedom Of Maryland Federal Credit Union Credit Card Rates

Product	Rate	APR
Educator Visa	-	6.75%
Details Equals Prime Rate; Rate: Prime Rate (Prime rate is 6.75% as of December 11, 2025. This is a variable rate product.) Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Visa Platinum	-	11.24%
Details As low as; Based on prime; Rate: Prime + 4.49% (Prime rate is 6.75% as of December 11, 2025. This is a variable rate product.) Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Visa Platinum Rewards	-	12.74%
Details As low as; Based on prime; Rate: Prime + 6.00% (Prime rate is 6.75% as of December 11, 2025. This is a variable rate product.) Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Visa Signature	-	13.24%
Details As low as; Based on prime; Rate: Prime + 6.49% (Prime rate is 6.75% as of December 11, 2025. This is a variable rate product.) Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%

Freedom Of Maryland Federal Credit Union Personal Loan Rates

Product	APR	Term
Debt Consolidation Loan	4.99%	36 months
Details Rate quoted based on 36 month term, $500 up to $30,000 for an Anything Loan or borrow $1,000 up to $30,000 for a Debt Consolidation Loan. Rates and terms may be different as determined by collateral and individual credit worthiness. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Debt Consolidation Loan	4.99%
Details See all rates Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Visa Signature	13.24%
Details As low as; Based on prime; Rate: Prime + 6.49% (Prime rate is 6.75% as of December 11, 2025. This is a variable rate product.) Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%

Freedom Of Maryland Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Anything Loan (Terms to 60 months)	-	-	4.99%	60 months
Details Rate quoted based on 36 month term, $500 up to $30,000 for an Anything Loan or borrow $1,000 up to $30,000 for a Debt Consolidation Loan. Rates and terms may be different as determined by collateral and individual credit worthiness. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates). Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Variable-Rate Line of Credit	-	-	11.49%
Details Published APR range: 11.49%-18.00%. Based on Prime Rate. Prime rate is 6.75% as of December 11, 2025 must be for $20,000 or more to qualify for the rate listed. Rates effective December 28, 2025; all rates and promotions are subject to change. See full schedule of rates. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
First Home Registry	0.10%	-	0.10%
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%
Individual Retirement Account (IRA)	0.10%	-	0.10%
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.68%

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 fell from 12.36% in Q2 2023 to 11.68% in Q1 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
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
June 30, 2023	$438M	12.36%	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 123

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

11.68%

Return on Assets (ROA)

0.1581%

Return on Equity (ROE)

1.8866%

Non-Performing Loans Ratio (NPL)

1.38%

Total Assets

563,718,838

Total Amount of Shares and Deposits

502,598,751

Total Shares and Deposits < 1 Year

426,775,856

Total Shares and Deposits 1 3 Years

56,516,859

Total Shares and Deposits > 3 Years

19,306,036

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

26,260,696

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

26,260,696

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

476,338,055

Total Interest Expense (Sum of items 6 8)

1,761,523

Share Certificates

2,955

Number of Accounts for Share Drafts

18,677

IRA KEOGH Accounts

1,859

Number of Accounts for Regular Shares

38,550

Money Market Shares

821

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

890,964

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)

84,659,769

Total Liabilities

517,515,538

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Freedom Of Maryland Federal Credit Union earned the Verified Healthy badge

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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 CD3.55%
18-Month CD3.55%
24-Month CD3.60%
60-Month CD3.80%
Savings0.10%
MMA0.40%

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

Compare to Other Credit Unions

Freedom Of Maryland Federal Credit Union Rates & Review September 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

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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