Freedom of Maryland Credit Union Bel Air MD | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Freedom Of Maryland, your trusted financial partner right here in Bel Air, MD! Located at 2019 Emmorton Rd, we have proudly served our community since 1953. With a strong commitment to our members, we currently support over 32,385 individuals and families, offering a range of services designed to enhance your financial well-being. At Freedom Of Maryland, we're not just about numbers. We understand that each member's financial journey is unique. Our total assets amount to an impressive $466,916,819, reflecting our solid foundation and ability to meet your needs. Whether you're looking for personal banking options or business solutions, we've got you covered with over $73,167,487 in deposits and a diverse portfolio of loans totaling 18,142. Led by our dedicated CEO, Michael MacPherson, and Board President Lisa Ermatinger, our team of 103 employees is here to provide friendly service and expert advice. We are passionate about making a positive impact in our community and are committed to helping you achieve your financial goals. While members can visit us at our branch for face-to-face assistance, official correspondence should be sent to the same address: 2019 Emmorton Rd, Bel Air, MD 21015. If you have questions or need assistance, don't hesitate to reach out! You can contact us at 410-676-5700 during lobby hours Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 1 PM or explore more about us on our website at freedomfcu.org. Join us today and experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

Welcome to Freedom Of Maryland, a branch with a rich legacy rooted in community service and financial empowerment. Since opening our doors in 1953, we have been dedicated to supporting our members and the community in Bel Air, MD. Located at 2019 Emmorton Rd, our branch is easily accessible for all your banking needs, whether you're stopping by for personal advice or using our convenient drive-thru services. Over the years, Freedom Of Maryland has grown significantly, now serving over 32,385 members and managing total assets of approximately $466,916,819. This growth reflects not only our commitment to offering valuable financial services but also our strong community ties that continue to flourish. Our mission is straightforward yet impactful: to provide comprehensive financial services while fostering a supportive environment for our members. We believe in empowering individuals through personalized banking solutions that meet their unique needs. Whether it's helping you secure an auto loan, offering mortgage refinancing options, or providing business banking services, we are here to assist every step of the way. At Freedom Of Maryland, we pride ourselves on being more than just a credit union; we are an active participant in the Bel Air community. We engage in various outreach efforts and partnerships aimed at enhancing the lives of those around us. By prioritizing accessibility through digital advancements like online banking and mobile payments, we ensure that all members can manage their finances conveniently and securely. While you can visit us at 2019 Emmorton Rd, official correspondence should be directed to the same address. For any inquiries or assistance, feel free to contact us at 410-676-5700. Our lobby hours are Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Join us at Freedom Of Maryland, where your financial well-being is our priority. Experience the difference of being part of a credit union that truly cares about its members and the community. Together, we can achieve great things!

Branch Location & Accessibility

A Welcoming Environment

While members can visit us at our branch on Emmorton Rd, official correspondence should be sent to the same address: 2019 Emmorton Rd, Bel Air, MD 21015. Our team is dedicated to creating a welcoming atmosphere where you feel valued and supported in all your financial decisions. So why wait? Come see us today at Freedom Of Maryland or give us a call! We're excited to help you reach your financial goals!

Convenient Access and Features

At Freedom Of Maryland, we understand that accessibility is key. Our branch features ADA-compliant facilities, including ramps and ample parking to ensure everyone can visit us without hassle. With a drive-thru service available, you can handle simple transactions like deposits and withdrawals without leaving your car. Plus, we have an ATM on-site for quick cash access and balance checks whenever you need them.

Operating Hours to Fit Your Schedule

We know life can get busy, which is why our lobby hours are designed to be convenient for you. We're open Monday through Thursday from 9 AM to 5 PM, Fridays from 9 AM to 6 PM, and Saturdays from 9 AM to 1 PM. Feel free to drop by during these hours or reach out via phone at 410-676-5700 if you have questions about our services or need assistance.

Member Eligibility

At Freedom Of Maryland, we believe in creating a welcoming community where everyone can feel at home. Joining us as a member is straightforward and open to many! If you live, work, or worship in the local area, or if you're related to someone who does, you're likely eligible to become part of our family. This means you can enjoy personalized service and a range of financial products designed with your needs in mind. To learn more about the specific eligibility criteria, feel free to check out this page. Opening an account with us is just as easy! You can start your journey by visiting our account opening page or by giving us a call at (410) 676-5700. We're here to help you every step of the way, so don't hesitate to reach out! Come visit us at 2019 Emmorton Rd Bel Air Md 21015 and discover the benefits of being part of Freedom Of Maryland.

Business Banking & Commercial Services

Financing Your Business 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 That Matter

In addition to loans, we offer comprehensive merchant services that simplify payment processing and help you manage your cash flow effectively. Imagine being able to accept payments seamlessly from customers whether in-store or online making transactions easier for everyone involved. This practical service allows you to focus on what you do best: running your business. Visit us at 2019 Emmorton Rd Bel Air Md 21015 in Bel Air, MD, or call us at (410) 676-5700 to learn more about how we can assist your business today!

Comprehensive List Of Services

Always Here for You

We're committed to making banking accessible for everyone. Whether you're using our ATM facilities or taking advantage of basic ATM access for balance checks and withdrawals, rest assured that we're here when you need us most. To learn more about how we can assist you with any of these services or if you have questions about opening an account, please don't hesitate to reach out! Call us at (410) 676-5700 or visit us at Park Avenue today. Your financial success is our priority!

Business Banking Made Easy

For entrepreneurs and small business owners, Freedom Of Maryland provides essential support through our business banking services, including merchant services and tailored business loans. We know how important it is to keep your business thriving, so we're here to help you every step of the way.

Digital Convenience

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features, allowing you to manage your accounts from anywhere at any time. With easy access to ATM and cash withdrawal services, you can retrieve your funds without hassle. Our basic drive-thru banking enables quick deposits, withdrawals, and simple transactions for those who prefer face-to-face interactions without stepping inside.

Empowering Your Financial Future

Sometimes life throws unexpected expenses your way, which is why we offer personal loans and debt consolidation options to help ease your financial burden. Plus, our credit cards with rewards allow you to earn benefits while making everyday purchases what could be better than getting rewarded for spending wisely?

Personal Banking Solutions

We understand that managing finances can be overwhelming at times. That's why we offer a variety of checking and savings accounts designed to help you save and manage your money effectively. For those considering new wheels, our auto loans and vehicle financing options make it easier than ever to drive away in your dream car. If home ownership is on your mind, our mortgage loans and refinancing services can guide you through the process smoothly, ensuring you find the right fit for your budget.

Digital & Online Banking

In today's fast-paced world, convenience and security are essential for managing your finances. At Freedom Of Maryland, we understand that our members want easy access to their accounts anytime, anywhere. That's why we offer a comprehensive suite of digital and online banking services designed with you in mind. With just a few clicks at https://www.freedomfcu.org/, you can access your account 24/7 through our online banking platform. This service allows you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. Plus, you can say goodbye to paper clutter with our e-statements feature, which lets you view and manage your statements electronically all while keeping your information secure. For those who prefer to handle their banking on their mobile devices, our user-friendly mobile application makes it simple to manage your finances wherever life takes you. Whether you're making mobile payments or sending money to friends and family with our person-to-person transfer feature, you'll find everything you need right at your fingertips. We prioritize your safety too. With electronic signature authorization, signing documents is not only quick but also secure. You can confidently complete transactions without the worry of paperwork getting lost or delayed. At Freedom Of Maryland, we believe that banking should be accessible and straightforward. Our digital services are designed to empower you with real-time account management, allowing you to take control of your financial journey effortlessly. Embrace the future of banking today and discover how easy it is to manage your finances with us!

Financial Strength

At Freedom Of Maryland, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to providing you with reliable services while maintaining a strong financial foundation. Our net worth of $36,588,573 reflects our solid financial health, allowing us to offer better rates, lower fees, and enhanced member services. With a net worth ratio of 782, we demonstrate a robust capital foundation that ensures we can continue providing loans and competitive savings rates even in uncertain economic times. 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 currently at $0, our resources are focused solely on benefiting you through better loan rates and exclusive perks. With $35,708,334 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors, with $359,731,063 in total loans and leases and $37,741 in used auto loans available to help you drive your dreams forward. Our operational efficiency is reflected in our net income of $143,347, enabling 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, committed team. Currently, we have 48,751 total share accounts, showing a strong and growing member base that trusts us with their finances. This trust is essential as we work together toward achieving your financial aspirations. 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 2019 Emmorton Rd Bel Air Md 21015 or call 410-676-5700 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 and competitive rates to ensure that you can drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $36,656,008 provide the capital needed to grow and expand. Whether you're looking to invest in equipment or manage operational costs, we have solutions that can help your business thrive. At Freedom Of Maryland, we pride ourselves on offering personalized service and financial solutions that make sense for you. If you're interested in refinancing options or would like to learn more about eligibility requirements for our loan products, please visit our website at freedomfcu.org or contact us directly. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to partnering with you on your financial journey!

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 purchasing your first home or refinancing an existing mortgage, our dedicated team is here to guide you through every step of the process.

Unsecured Credit Card Loans

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. These cards come with competitive interest rates and rewards programs designed to fit your lifestyle.