Back to Bel Air credit unions

Freedom of Maryland

2019 Emmorton Rd, Bel Air, MD 21015
NCUA Insured3.7 (104 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

2019 Emmorton Rd

Bel Air, MD 21015

Service Area

This credit union is located in Bel Air and serves members in the MD area. Currently serving 42,086 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.99%

Used Auto Loan

7.09%

Personal Loan

7.24%

Credit Card APR

8.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MD

Lowest rates currently reported by credit unions in MD (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(8 total)

Member Reviews

3.7

104 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Zoe McCarter

Zoe McCarter

5 months ago

Great team and amazing customer service! I recently had an issue with my debit card, to no fault of theirs, and the staff were extremely responsive and helped right away, even calling to follow up and ensure everything was still working well. I would recommend them to anyone looking for a friendly, reliable credit union!

Darla U

Darla U

5 months ago

My bank AFFCU has recently converted over to Freedom Financial. Each location is about an hour away and I have spent 3 days trying to contact someone on the phone. On each call I have been on hold for 30 minutes to now, an hour, and have not reached anyone. AFFCU has never conducted business this way. I am hopeful that things turn around quickly.

Rickey Parish

Rickey Parish

7 months ago

I've been banking with Freedom for over 12 years with no issues till recently. I have 3 checking accounts and 4 saving accounts. I had a mortgage and a business vehicle loan. I tried to pay off my mortgage last month with my online banking. I payed the balance shown... Then I received a late payment letter on October 21st stating I owed another month's full payment as well as a $75 late fee. I went to the bank to ask why and was told there was accrued interest. I was fine with the accrued interest, but why doesn't the online banking show the ACTUAL balance? I asked for a refund of the $75 late fee because it was an honest mistake, as I thought I had payed off my mortgage, and the teller acted like she didn't hear me... I asked two times to speak to a manager about the $75 late fee and the teller again ignored my request. I finished my transaction with her on paying off my mortgage in full. Because I was angry about my experience with this particular teller, I went ahead and payed off my @ $14,000 balance with 7% interest on my business vehicle so the bank wouldn't get any more of my unappreciated business. End of rant...

Patrice Ricciardi

Patrice Ricciardi

7 months ago

I had the pleasure of making a call to the Freedom Federal Credit Union Call Center this morning and was immediately connected with a service agent. I had several requests and Quanisha was extremely efficient handing every one of my requests. She also made suggestions going forward and was extremely pleasant with the interaction. Quanisha is a gem!

Antonios Hatzigeorgalis

Antonios Hatzigeorgalis

a year ago

My team and I cannot thank Leslie Stein or Freedom Federal Credit Union enough, for the banking acrobatics they pulled off for us today. An amazing opportunity arose, and they did in a few days what should have taken a few weeks. I have never experienced a banking team that was more geared towards business owners and entrepreneurs, and more sensitive to opportunities and timelines. Thank you Leslie for making it look easy.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).