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iAdvertiser Disclosure
Advertiser Disclosure
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 Freedom Of Maryland Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
Freedom Of Maryland Federal Credit Union's Regular Share, Youth and IRA CDs 48-Month rates are at 3.80%, Regular Share, Youth and IRA CDs 55-Month SPECIAL rates are at 3.80%, Regular Share, Youth and IRA CDs 60-Month rates are at 3.80%, Jumbo Share and Jumbo IRA CDs 42-Month SPECIAL rates are at 3.75%, Regular Share, Youth and IRA CDs 36-Month rates are at 3.70%. 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 9.35%. Rates were last updated on 04/11/2026. 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. Freedom Of Maryland Federal Credit Union
Park Avenue 2019 Emmorton Rd
https://www.freedomfcu.org Bel Air, MD 21015 
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 Mortgage 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
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.35%
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
75
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
Frequently Asked Questions About Freedom Of Maryland Federal Credit UnionIs Freedom Of Maryland Federal Credit Union a safe place to deposit money?Yes, Freedom Of Maryland Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 9.3473783079194%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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