Credit union · NCUA insured
Freedom Federal Credit Union Credit Card Rates
Top CarrotFreedom Federal Credit Union credit cards start at 7.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Freedom Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Baltimore, MD, where Freedom Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Freedom Federal Credit Union
7.00%APR
- Annual fee
- None
Educator Visa
Lowest rate
APG Federal Credit Union
7.00%APR
- Annual fee
- None
3rd-lowest rate
Educational Systems Federal Credit Union
7.00%APR
- Annual fee
- $50
Freedom Federal Credit Union credit card score
95
Credit card score
Higher than 98% of U.S. banks and credit unions
- Purchase APRPurchase APR7.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Freedom Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Educator Visa
Applicants must qualify as a Golden Apple Member (employed by a Baltimore City, Baltimore County, Carroll County, or Harford County school). $1,000 credit line.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.00% | None | APR equals Prime Rate (currently 7.00% as of September 17, 2026). Variable rate product. |
Platinum Rewards Visa
Membership eligibility applies. Rates available on approved credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% Intro APR for 6 months on purchases and balance transfers made in the first 90 days. A 3.00% balance transfer fee applies. |
| Ongoing | 12.99%–18.00% | None | Standard variable APR based on Prime Rate and creditworthiness. Same APR for balance transfers, purchases, or cash advances. |
Platinum Share-Secured Visa
Borrow against a balance that you provide upon enrolling. Membership eligibility applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.74% | None | Competitive low variable APR based on Prime Rate. Same APR for balance transfers, purchases, or cash advances. Rates available on approved credit. |
Platinum Visa
Membership eligibility applies. Rates available on approved credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% Intro APR for 6 months on purchases and balance transfers made in the first 90 days. A 3.00% balance transfer fee applies. |
| Ongoing | 11.49%–18.00% | None | Competitive low variable APR based on Prime Rate and creditworthiness. Same APR for balance transfers, purchases, or cash advances. |
Visa Signature
Membership eligibility applies. Rates available on approved credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Intro APR for 12 months on purchases and balance transfers made in the first 90 days. A 0.99% balance transfer fee applies. |
| Ongoing | 13.49%–18.00% | None | Standard variable APR based on Prime Rate and creditworthiness. Same APR for balance transfers, purchases, or cash advances. |
Sources (3)
All captured Oct 15, 2026
Who can join Freedom Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in Baltimore City, Baltimore County, Carroll County, and Harford County are eligible for membership.
Employers and groups
- Businesses located in Baltimore City, Baltimore County, Carroll County, or Harford County are eligible for membership.
Family and household
- Families of individuals who live, work, worship, volunteer, or attend school in Baltimore City, Baltimore County, Carroll County, and Harford County are eligible for membership.
Cost to join
- Establish a business membership with a $1.00 deposit into a Business Savings Account.
Membership information collected October 4, 2026.