Freedom of Maryland Credit Union Havre De Grace MD | Best Auto Loans & Business Banking

Introduction

Welcome to Swan Creek, a proud branch of Freedom Of Maryland located at 2025 Pulaski Hwy, Havre De Grace, MD 21078. Since our establishment in 1953, we have been committed to supporting our community and providing exceptional financial services tailored to meet the needs of our members. With a strong membership base of 32,385 individuals and total assets amounting to an impressive $466,916,819, we stand as a reliable partner in your financial journey. At Swan Creek, we understand that financial stability is crucial for both personal and business success. That's why we offer a variety of services including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. Our total deposits are currently at $73,167,487, highlighting the trust our members place in us. Our dedicated team of 103 employees, led by CEO Michael MacPherson and Board President Lisa Ermatinger, strives to provide top-notch service every day. Whether you need assistance with online banking or prefer visiting us in person during our lobby hours from Monday to Friday (with Saturday service too), we're here to help you achieve your financial goals. While members can visit us at our branch address for all their banking needs, official correspondence should be directed to our mailing address: 1830 Pulaski Hwy Ste C, Havre de Grace, MD 21078. Join us today and experience the difference that comes with being part of a community-focused credit union. For more information or to get started with your account opening process, please call us at 410-676-5700 or visit our website at freedomfcu.org. Your financial well-being is just a step away!

Branch History & Mission

At Freedom Of Maryland, our roots run deep in the heart of Havre De Grace, MD. Established in 1953, we have proudly served our community for decades, evolving from a small credit union to a trusted financial partner for over 32,000 members. Our branch is located at 2025 Pulaski Hwy, a convenient spot that many in the community recognize as a beacon of support and service. For those needing to send official correspondence, our mailing address is 1830 Pulaski Hwy Ste C, Havre de Grace, MD 21078. Our mission is simple yet powerful: to empower our members by providing accessible financial services and nurturing community growth. We believe that everyone deserves the chance to thrive financially, which is why we offer a range of services including checking and savings accounts, auto loans, mortgage options, and business banking solutions. With total assets exceeding $466 million, we are committed to making smart financial decisions that benefit both our members and the wider community. As we've grown over the years, so have our offerings. We now provide advanced online and mobile banking options, ensuring that our members can manage their finances anytime, anywhere. Our branch also features an ATM for quick cash access and drive-thru banking for easy transactions without leaving your vehicle. Freedom Of Maryland is not just about banking; it's about building relationships and supporting local initiatives. We actively engage in community outreach efforts that foster growth and well-being throughout Havre De Grace and beyond. Our partnerships with local organizations reflect our dedication to making a difference where it matters most. As we look toward the future, we invite you to become part of our family. Whether you're looking for personal banking solutions or business services, Freedom Of Maryland is here to help you reach your goals. Join us today and experience the benefits of being part of a credit union that truly cares about its members and community. For more information or to get started with your membership journey, give us a call at 410-676-5700 or visit us online at Freedom Of Maryland. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

Our location is designed with accessibility in mind. We have ample parking available, including spots for those who need closer access. The branch complies with ADA standards, featuring ramps and wide entryways to ensure everyone can easily access our services.

Get in Touch!

Have questions or want more information? Don't hesitate to give us a call at 410-676-5700. We invite you to visit us soon at Freedom Of Maryland where your financial journey is supported by friendly faces ready to assist you!

Operating Hours

We're here for you during convenient hours that fit into your busy schedule! 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. Whether you need to stop by for a quick transaction or want to sit down and discuss your financial goals, we're ready to assist you.

Services Offered

At Freedom Of Maryland, we pride ourselves on offering a variety of services tailored to meet the diverse needs of our members. From personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards our team is here to help you find the right solutions. Plus, enjoy the convenience of our drive-thru banking for simple transactions like deposits and withdrawals. And if you're in need of cash outside of regular hours, we've got you covered with our ATM availability right at the branch!

Member Eligibility

At Freedom Of Maryland, we believe that everyone deserves a place to belong and grow financially. Joining our community is simple and open to individuals who live, work, worship, or attend school in Harford County, as well as family members of current members. This inclusivity means you're not just another account holder; you're part of a supportive network that's here to help you achieve your financial goals. As a member, you'll enjoy personalized service and access to a variety of financial products designed with your needs in mind. If you're ready to take the next step, opening an account is straightforward! You can find all the details about eligibility on our website at Freedom Of Maryland Eligibility. For any questions or assistance, feel free to reach out to us at 410-676-5700. We look forward to welcoming you into our family at 2025 Pulaski Hwy Havre De Grace Md 21078!

Business Banking & Commercial Services

Merchant Services that Work for You

Running a business means managing transactions efficiently. Our merchant services simplify payment processing, allowing you to focus on what you do best. Imagine having a reliable partner to help streamline sales, manage cash flow, and enhance customer experiences all from one trusted source. At Freedom Of Maryland, we're dedicated to empowering local businesses in Havre De Grace and beyond. Reach out today at (410) 676-5700 or visit us at 2025 Pulaski Hwy Havre De Grace Md 21078 to discover how our business banking services can help you thrive!

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking Services

For our business members, we provide comprehensive Business Banking solutions including merchant services and business loans. These services are designed to support local businesses in thriving within the community by providing essential financial tools.

Convenient Access to Your Funds

We know that convenience matters, which is why we have an ATM on-site for quick cash withdrawals and balance checks. If you prefer face-to-face service, our Basic Drive-Thru Banking allows for simple transactions like deposits and withdrawals without leaving your vehicle.

Credit Cards and Rewards

Credit cards can be a powerful tool when used wisely. At Freedom Of Maryland, we offer Credit Cards with Rewards that not only help you make purchases but also earn points for future rewards. Whether it's travel perks or cashback offers, you can enjoy benefits while managing your everyday spending.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking options like checking and savings accounts designed to help you save for the future while giving you easy access to your funds. Imagine being able to check your balance or transfer money from your phone with our Online & Mobile Banking features. We also provide Auto Loans & Vehicle Financing, so whether you're looking to buy a new car or refinance an existing loan, we've got you covered. If you're thinking about buying a home, our Mortgage Loans & Refinancing services can guide you through the process with competitive rates and personalized assistance. For those unexpected expenses or debt consolidation needs, consider our Personal Loans, which are tailored to help lighten your financial load.

Stay Connected Anytime

In today's fast-paced world, having access to your bank anytime is crucial. Our digital banking features enable you to manage your finances from anywhere at any time. With options like person-to-person payments and e-statements, staying on top of your finances has never been easier. At Freedom Of Maryland, we strive to meet all your financial needs under one roof while ensuring that the experience is friendly and supportive. If you're interested in learning more about our services or would like assistance opening an account, please don't hesitate to reach out at 410-676-5700 or visit us online at freedomfcu.org. Join us today and experience the difference!

Digital & Online Banking

Key Features

Our mobile application enhances your banking experience by allowing you to bank on the go. Need to make a quick payment? With our mobile payments feature, it's simple and efficient. You can also send money to friends or family using our person-to-person transfer option, making splitting bills or sharing expenses a breeze. For those who prefer going paperless, we provide e-statements for easy access to your account statements right from your device. Additionally, with electronic signature authorization, signing documents has never been easier or more secure. Security is our top priority. We utilize advanced technology to keep your information safe while ensuring that all features are user-friendly. Whether you're checking your account balance or making an urgent payment, you can do so confidently knowing your data is protected. At Freedom Of Maryland, we believe that banking should be straightforward and accessible for everyone. Dive into the world of digital banking with us today!

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 maintaining a strong financial foundation so you can have peace of mind knowing your money is in safe hands. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 782 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services 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 at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. 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 lending capacity supports members' financial goals with $74,820,000 in total auto loans across various sectors. Our operational efficiency shines through with a 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. Total Share Accounts stand at 48,751, showing a strong and growing member base that trusts us with their finances. Our commitment to you means that whether you're saving for the future or looking to finance a new vehicle or home, Freedom Of Maryland is your trusted partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, visit us at 2025 Pulaski Hwy Havre De Grace Md 21078 or call 410-676-5700 to learn more about how we can help you achieve your financial goals.

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 also provide refinancing options to ensure that you can get the best terms possible for your situation.

Business Loans

For business owners, our outstanding commercial loans totaling $36,656,008 provide the capital needed to grow and expand your operations. We work closely with local businesses to understand their unique needs and offer tailored solutions. At Freedom Of Maryland, we're dedicated to making borrowing easy and accessible. If you're interested in learning more about any of our loan products or checking your eligibility for refinancing options, don't hesitate to contact us at 410-676-5700. 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're here to help you navigate 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. We guide you through the process so you can focus on making your new house a home.

Unsecured Credit Card Loans

Managing everyday expenses? 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 rates and features designed to fit your lifestyle.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This approach guarantees that users receive fair and transparent offers. One of the standout features of LendMesh is its commitment to verified data. All loan offers are sourced from legitimate financial institutions, which fosters transparency in the loan comparison process. Additionally, LendMesh does not utilize sponsored listings; lenders are not prioritized based on paid promotions. The goal here is to deliver unbiased results that empower users to make informed financial decisions. The platform also provides real-time rate comparisons, keeping users updated with the latest loan rates from multiple institutions. This timely information is crucial for individuals looking to secure favorable terms on loans. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the platform's effectiveness in helping borrowers navigate their options confidently. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.