Freedom Of Maryland rates: up to 3.80% APY
credit union · NCUA CHARTER 8550 · www.freedomfcu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| EasySaver | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Educator Savings | 2.50% | APY | 2026-11-01 | since 2026-11-01 | ||
| Individual Retirement Account (IRA) | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Journey Youth Savings | Monthly balance of $0.01 - $1,500.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Journey Youth Savings | Monthly balance of $1,501.00+ | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | First Home Registry | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Secondary Savings | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Share Savings | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Regular Share, Youth and IRA Certificates | 6-Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Share and Jumbo IRA Certificates | 52-Week SPECIAL | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Share, Youth and IRA Certificates | 52-Week SPECIAL | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Share, Youth and IRA Certificates | 18-Month SPECIAL | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Share, Youth and IRA Certificates | 24-Month | 3.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Share and Jumbo IRA Certificates | 25-Month SPECIAL | 3.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Share, Youth and IRA Certificates | 25-Month SPECIAL | 3.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Share, Youth and IRA Certificates | 36-Month Bump-Up | 3.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Share, Youth and IRA Certificates | 36-Month | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Share and Jumbo IRA Certificates | 42-Month SPECIAL | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Share, Youth and IRA Certificates | 48-Month Bump-Up | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Share, Youth and IRA Certificates | 48-Month | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Share, Youth and IRA Certificates | 55-Month SPECIAL | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Share, Youth and IRA Certificates | 60-Month | 3.80% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market/Money Market IRA | Up to $2,499 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market/Money Market IRA | $2,500–$9,999.99 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market/Money Market IRA | $10,000–$24,999.99 | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market/Money Market IRA | $25,000–$49,999.99 | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market/Money Market IRA | $50,000–$74,999.99 | 0.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market/Money Market IRA | $75,000–$99,999.99 | 0.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market/Money Market IRA | $100,000 | 0.95% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Account | (Account balance that does not meet earnings criteria) | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | Monthly balance of $0.01 - $10,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | Monthly balance $10,000.01 and over | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Journey Youth Checking (Cash-back Rewards) | 0.00% | APY | 2026-11-01 | since 2026-11-01 | ||
| Rewards Checking | 0.15% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.freedomfcu.org/rates/external-savings-rates-revised-6-30-17/ | — | extract-failed | |
| www.freedomfcu.org/rates/external-savings-rate-effective-6-1-18/ | — | extract-failed | |
| www.freedomfcu.org/rates/ | 2026-11-02 03:15 UTC | ok | 8a2cec819e94 |
| www.freedomfcu.org/rates/external-savings-rates-11-22-17-final/ | — | extract-failed |