Credit union · NCUA insured
Freedom Federal Credit Union Savings Rates
Top CarrotFreedom Federal Credit Union’s best savings rate is 0.45% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Freedom Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Baltimore, MD, where Freedom Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Freedom Federal Credit Union
2.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $250
Educator Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
CFG Bank
4.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $405
Freedom Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.50%
- $10,000 balance$10,0002.50%
- $100,000 balance$100,0000.95%
- QualifiedQualified2.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Freedom Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Educator Savings
2.50%APY
Available to Baltimore County and Harford County school employees in the public and private sector.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Applies to balances of $1-$10,000. Available to Baltimore County and Harford County school employees in the public and private sector. | 2.50% | $250 | Applies to balances of $1-$10,000. Available to Baltimore County and Harford County school employees in the public and private sector. |
| $10,001 and upApplies to balances of $10,001+. Available to Baltimore County and Harford County school employees in the public and private sector. | 0.35% | — | Applies to balances of $10,001+. Available to Baltimore County and Harford County school employees in the public and private sector. |
Sources (1)
- freedomfcu.org/rates · captured Oct 22, 2026
Money Market
0.45%APY
Minimum opening balance of $2,500. A $10 monthly service charge is assessed when the average monthly minimum balance falls below $2,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. | 0.00% | — | A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. |
| $2,500 – $10,000A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. | 0.40% | — | A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. |
| $10,000 – $25,000A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. | 0.45% | $45 | A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. |
| $25,000 – $50,000A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. | 0.60% | — | A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. |
| $50,000 – $75,000A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. | 0.65% | — | A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. |
| $75,000 – $100,000A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. | 0.65% | — | A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. |
| $100,000 and upA $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. | 0.95% | — | A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. |
Sources (3)
- freedomfcu.org/personal/money-market
- freedomfcu.org/rates
- freedomfcu.org/wp-content/uplo…s-Effective-07-01-26.pdf
All captured Sep 19, 2026
EasySaver Share Savings
0.10%APY
Freedom will round up debit card purchases in checking account to next whole dollar and transfer to EasySaver Share Account. Deposits other than daily EasySaver transfer not permitted; ATM/Debit card transactions and ACH deposits/withdrawals not permitted; cannot be used as overdraft protection. Minimum $100 daily balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 daily balance to earn dividends. Funded via round-up debit card transactions from checking.$100 and up | 0.10% | $10 | Minimum $100 daily balance to earn dividends. Funded via round-up debit card transactions from checking. |
Sources (1)
- freedomfcu.org/rates · captured Oct 22, 2026
Share Savings
0.10%APY
Minimum $100 daily balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 daily balance to earn dividends.$100 and up | 0.10% | $10 | Minimum $100 daily balance to earn dividends. |
Sources (1)
- freedomfcu.org/rates · captured Oct 22, 2026
Special-purpose accounts
Journey Youth Savings
0.50%APY
Available for youth and young adults from newborn through age 25. Converts to standard Share Savings Account upon graduation/reaching 26 years of age. No monthly fees, no minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500Tier for monthly balances of $0.01 - $1,500.00. | 3.00% | — | Tier for monthly balances of $0.01 - $1,500.00. |
| Over $1,500Tier for monthly balances of $1,501.00+ (or remaining balance over $1,500). | 0.50% | $50 | Tier for monthly balances of $1,501.00+ (or remaining balance over $1,500). |
Money Market IRA
0.45%APY
Minimum opening balance of $2,500. A $10 monthly service charge is assessed when the average monthly minimum balance falls below $2,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. | 0.00% | — | A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. |
| $2,500 – $10,000A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. | 0.40% | — | A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. |
| $10,000 – $25,000A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. | 0.45% | $45 | A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. |
| $25,000 – $50,000A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. | 0.60% | — | A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. |
| $50,000 – $75,000A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. | 0.65% | — | A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. |
| $75,000 – $100,000A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. | 0.65% | — | A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. |
| $100,000 and upA $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. | 0.95% | — | A $10 monthly service charge is assessed when average monthly minimum balance falls below $2,500. |
Sources (2)
All captured Sep 19, 2026
Christmas Club
0.10%APY
Minimum daily balance of $100 to earn dividends. Secondary savings includes Christmas Club accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance of $100 to earn dividends.$100 and up | 0.10% | $10 | Minimum daily balance of $100 to earn dividends. |
Sources (1)
- freedomfcu.org/rates · captured Oct 22, 2026
First Home Registry Savings
0.10%APY
For members with the youth account type Choices only. Minimum $5 daily balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum $5 daily balance to earn dividends. Available to members with the youth account type Choices only.$5 and up | 0.10% | $10 | Minimum $5 daily balance to earn dividends. Available to members with the youth account type Choices only. |
Sources (2)
All captured Sep 19, 2026
Individual Retirement Account (IRA) Savings
0.10%APY
Minimum $100 daily balance to earn dividends. Immediate access to funds; no term required. Tax benefits and earnings may be tax deferred.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 daily balance to earn dividends.$100 and up | 0.10% | $10 | Minimum $100 daily balance to earn dividends. |
Secondary Savings
0.10%APY
Minimum $100 daily balance to earn dividends. Includes Christmas Club accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 daily balance to earn dividends.$100 and up | 0.10% | $10 | Minimum $100 daily balance to earn dividends. |
Sources (1)
- freedomfcu.org/rates · captured Oct 22, 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.