Fred graduated from Carlisle High School in 1954 and studied business at Penn State on a full baseball scholarship. He began his working career at Stoner Beverage in Harrisburg. He was best known, however, in the financial circles of Carlisle. He began his financial career at Commercial Credit Corporation as a loan officer and then worked at several local banks including Harrisburg National Bank, Commonwealth National Bank, Mellon Bank, Farmers Trust Company and finally, Orrstown Bank for a total of 43 years. He retired from Orrstown Bank in 2007.

Fred was President of the New Cumberland Jaycees for four years and was a member of the Masons, Scottish Rite, Shriner's (AAONMS), Moose and Elks Lodge. He served as a board member for the Carlisle United Way, Cumberland County Housing Authority, Cumberland County Redevelopment Authority, Senior Housing Authority, West Shore Chamber of Commerce, Carlisle Chamber of Commerce, Christian Retreat Center, Cumberland County Board of View and also did service for the Cumberland/Perry Banker's Association, Cumberland/Perry American Institute of Banking, Maranatha Financial Counseling Service, Cumberland County Board of Assessment Appeals, Carlisle Basketball Classic, Carlisle Hospital Follies and the Paul Harris Foundation (Rotary International). He was a member of the Brethren in Christ Church, Carlisle.

Fred enjoyed the camaraderie of many friends while playing poker and tennis with many different groups throughout his life. But, it was his financial expertise and dedication to his community and family for which he will be most remembered.

A memorial service will be held at the Brethren in Christ Church, 1155 Walnut Bottom Rd, Carlisle to celebrate his life on Saturday, November 5, 2011, at 4 p.m. with Pastors Linda Lambert and John Keefer officiating. Private burial will be at the Mt. Zion Cemetery, Boiling Springs. Ewing Brothers Funeral Home, Carlisle, is assisting the family with the arrangements. The family kindly requests no flowers. Memorial contributions may be made to Maranatha Financial Counseling Services, 17 E. High St., Carlisle or to Celtic Healthcare of Carlisle, Suite 100, 220 Wilson St., PA 17013.