Freedom of Maryland Credit Union Bel Air MD | Best Auto Loans & Personal Banking

Introduction

Welcome to Freedom Of Maryland, your trusted partner in financial well-being since 1953! Located at 1304 E Churchville Rd, Bel Air, MD 21014, we take pride in serving our community with a commitment to member satisfaction and financial growth. With over 32,385 members and total assets of $466,916,819, we are dedicated to providing personalized banking solutions tailored to your needs. At Freedom Of Maryland, we understand that financial decisions can be daunting. That's why we offer a variety of services from checking and savings accounts to auto loans and mortgage refinancing designed to help you achieve your goals. Whether you're looking to purchase a new vehicle or consolidate debt, our team is here to guide you every step of the way. Our CEO, Michael MacPherson, along with Board President Lisa Ermatinger, leads our organization with integrity and vision. Together, they foster a culture of trust and support that resonates throughout our branch. Our friendly staff of 103 employees is always ready to assist you during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. While members can visit us at 1304 E Churchville Rd, official correspondence should be sent to the same address for consistency. With total deposits reaching $73,167,487 and a net worth of $36,588,573, we are well-equipped to help you manage your finances effectively. Join us in making a difference in the community! Explore our services further on our website at freedomfcu.org or call us at 410-676-5700 for more information. We look forward to welcoming you into the Freedom Of Maryland family!

Branch History & Mission

Community Focus

Freedom Of Maryland believes that community involvement is essential for growth. We actively seek opportunities to collaborate with local businesses and organizations to address pressing issues within our neighborhoods. By working together, we can build a stronger community for everyone. As we look towards the future, we invite you to become a part of our journey. Experience firsthand the difference that comes from being a member of Freedom Of Maryland. Whether you're looking for a reliable place for your savings or need assistance with loans or mortgages, we're here for you every step of the way. Join us today! Visit us at 1304 E Churchville Rd, Bel Air MD 21014 or give us a call at 410-676-5700 for more information on how you can benefit from membership with Freedom Of Maryland. Let's build a brighter financial future together!

Our Journey

From our humble beginnings, Freedom Of Maryland has evolved significantly. We started with a small membership base and limited services but quickly expanded as our community's needs grew. Today, we proudly manage total assets of $466,916,819, a testament to the trust placed in us by our valued members. Our dedication to providing quality financial products has led us to offer an array of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our commitment extends beyond just numbers; it reflects our mission to empower individuals and families through responsible financial practices and education. We believe in fostering a culture of support where everyone can thrive economically.

Our Mission

At Freedom Of Maryland, our mission is clear: to enhance the financial well-being of our members while actively contributing to the communities we serve. We strive not only to provide exceptional financial services but also to engage in outreach efforts that uplift those around us. Whether it's through educational workshops or partnerships with local organizations, we are dedicated to making a positive impact. We understand that accessibility is vital for our members. That's why we offer convenient operating hours from Monday through Friday (9 AM - 6 PM) and Saturday (9 AM - 1 PM). Additionally, our drive-thru service ensures that you can conduct your banking transactions with ease. For those who prefer digital banking options, we've embraced technology fully. With features like online banking and mobile payment capabilities, managing your finances is easier than ever before.

Branch Location & Accessibility

Operating Hours

We understand that life can get busy! That's why we offer flexible hours to fit your schedule: our lobby is open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Plus, if you're on the go, our drive-thru service makes it easy to handle basic transactions without leaving your vehicle during regular hours.

Services Offered

At Freedom Of Maryland, we offer a range of services tailored for your banking needs. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, we have you covered. Our branch also features ATM availability for quick cash withdrawals and balance checks. We're here to help you achieve your financial goals with personalized support and community-focused service. So why wait? We invite you to drop by our Bel Air location today or give us a call we're excited to assist you on your financial journey!

Member Eligibility

At Freedom Of Maryland, we believe that joining our community is a step towards a brighter financial future. Becoming a member is easier than you might think! If you're a resident, work, or worship in Harford County, you're likely eligible to join us. We welcome everyone who shares our commitment to supporting each other and building strong financial foundations. For more specific eligibility details, feel free to check out our comprehensive guide at https://www.freedomfcu.org/business/overview/. Once you've determined your eligibility, opening an account with us is simple and straightforward. You can start the process online by visiting our account opening page here: https://www.freedomfcu.org/personal/open-account/. If you have any questions or need assistance along the way, don't hesitate to give us a call at (410) 676-5700. We're excited to help you become part of the Freedom Of Maryland family!

Business Banking & Commercial Services

Financing Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $128 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $16 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $36,656,008, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Success

Imagine having the tools to streamline your transactions effortlessly. Our merchant services simplify payment processing so you can focus on what matters most growing your business. From point-of-sale systems to online payment options, we provide practical solutions that enhance customer experience and keep your cash flow smooth. Visit us at 1304 E Churchville Rd Bel Air Md 21014 or call us at (410) 676-5700 to learn how our business banking and commercial services can support your journey to success!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash on the go? Our ATM services allow for easy withdrawals and balance checks without stepping inside the branch. Additionally, our drive-thru service provides a quick way to handle deposits and withdrawals without leaving your vehicle. At Freedom Of Maryland, we prioritize accessibility and ease of use across all our services. Our friendly staff is always ready to assist you whether you're visiting us in person or utilizing our digital resources. If you have any questions or want to learn more about how we can help you achieve your financial goals, don't hesitate to reach out! Give us a call at 410-676-5700, or visit us online at freedomfcu.org. We're excited to be part of your financial journey!

Business Banking

For local businesses, we offer tailored solutions that include merchant services and business loans to support your growth and operational needs. Whether you're just starting out or looking to expand, we understand the unique challenges businesses face.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we have invested in robust online and mobile banking platforms. With these tools, managing your finances has never been easier. You can access your accounts anytime, anywhere making it simple to check balances, pay bills, or transfer funds at your convenience.

Personal Banking

Our personal banking options are designed with you in mind. We offer various checking and savings accounts that cater to different lifestyles and financial goals. If you're planning to purchase a new vehicle, consider our auto loans and vehicle financing solutions, which can help you hit the road sooner than you think. For those looking to invest in a home, our mortgage loans and refinancing options provide flexibility and competitive rates. If you're facing unexpected expenses or want to consolidate debt, our personal loans and debt consolidation services are here for you. Plus, don't forget about our credit cards with rewards, which allow you to earn benefits while making everyday purchases.

Digital & Online Banking

Key Features

With just a few clicks, you can access your accounts through our secure online banking portal at https://www.freedomfcu.org/. This service is available 24/7, giving you real-time control over your finances. You can check balances, transfer funds, and pay bills without ever stepping foot in a branch. Plus, if you prefer to handle things via your smartphone, our mobile application puts banking right in your pocket. Want to send money to friends or family? Our person-to-person transfer feature makes it easy to send cash instantly, helping you share expenses or settle up after a night out. If you're looking for a quick way to make purchases without carrying cash or cards, our mobile payments feature lets you pay securely using just your phone.

Security and Accessibility

We prioritize your security with features like electronic signature authorization, ensuring that your transactions are safe and verified. You can also choose to receive e-statements for easy tracking of your account activity without the clutter of paper statements. At Freedom Of Maryland, we strive to make banking as simple and accessible as possible. Whether you're managing a busy schedule or just want the peace of mind that comes with knowing your finances are under control, our digital services are here for you. Experience the ease of online banking today!

Financial Strength

Growing Member Base

Total Share Accounts: 48,751, showing a strong and growing member base that trusts us with their finances. Our commitment to providing excellent service is evident as we continue to grow alongside our community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Freedom Of Maryland is your trusted partner. Visit us at 1304 E Churchville Rd Bel Air Md 21014 or call 410-676-5700 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $125,721,366 in share certificates and $30,639,518 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our net income of $143,347 reflects our operational efficiency. This allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 100 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvesting for Your Benefit

With $35,708,334 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our total lending capacity stands at $359,731,063 across various sectors. This includes $37,410 in used auto loans, ensuring that we support your financial goals whether you're purchasing a new vehicle or seeking other financing solutions.

Solid Financial Health

With a net worth of $36,588,573, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 7.82% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $68,202,033 in used vehicle loans and $81,452,020 in new vehicle loans already helping members get on the road. We provide flexible terms that can fit your budget, and our team is here to guide you through every step of the financing process.

Credit Lines and Refinancing Options

Our total credit lines amount to $143,577,082, providing you with access to additional funds when you need them most. If you're considering refinancing any existing loans, we encourage you to explore our options that could save you money over time. Whether you're looking for an auto loan, mortgage, or credit card solution, our dedicated staff at Freedom Of Maryland, located at 1304 E Churchville Rd Bel Air Md 21014, Bel Air, MD 21014, is ready to assist you. Feel free to reach out at (410) 676-5700 for more information about our loan offerings or visit us online at Freedom Of Maryland. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards financial success today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $29,706,487, make buying or refinancing simple. Whether you are a first-time homebuyer or looking to upgrade, we have solutions tailored for you.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $12,745,324 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can enhance your everyday spending.

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