Freedom Of Maryland Federal Credit Union
Headquarters
2019 Emmorton Rd
Bel Air, MD 21015
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2024 Overview
General Credit Union Information
Freedom Of Maryland is an NCUA insured institution located in Bel Air, MD. It was founded in 1953 and has approximately $476.41 millions in assets.
Who can join?
If you live, work, volunteer, worship, or attend school in Harford County, Maryland you join Freedom.
Other potential members include immediate family and household members of a person eligible for membership:
Spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships, even if they do not live, work or worship, volunteer, or attend school in Harford County
Anyone who belongs to a household of a credit union eligible individual
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 8550 |
| Date Established | 1953 |
| Assets | $476.41 million |
| Loans | $360.03 million |
| Deposits | $417.71 million |
| Capital | $36.35 million |
Field of Membership Restrictions
Membership in Freedom Federal Credit Union is open to those who live, work, worship or attend school in Harford County, Maryland, or for immediate family of current or eligible members.
Deposit Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
|
Money Market
|
0.40% | $2,500 | $2,999 |
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|
|
Money Market
|
0.40% | $10,000 | $14,999 |
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|
|
Money Market
|
0.45% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Freedom Of Maryland
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Freedom Of Maryland
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Freedom Of Maryland branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Freedom Of Maryland Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 351.66 | A | View Lobby Hours | |
| 355.00 | B | View Lobby Hours | |
| 355.09 | C | View Lobby Hours | |
| 357.08 | D | View Lobby Hours | |
| 365.56 | E | View Lobby Hours |
Climate Policy and Initiatives
FREEDOM OF MARYLAND is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Freedom Of Maryland Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Freedom Of Maryland. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Freedom Of Maryland | U.S. Average |
|---|---|
| 29.01% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Freedom Of Maryland had $10,560,397 in non-current loans and $182,471 in owned assets. To cover these potential losses it had $36,345,114 in net worth and $687,530 in loans loss reserves. That gives it a Texas Ratio of 29.01%.
Net Worth
| Freedom Of Maryland | U.S. Average |
|---|---|
| 7.62% | 13.93% |
Freedom Of Maryland FCU has a net worth of 7.62% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Freedom Of Maryland
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