Specials
Take advantage of our specials today!
Check back often for our special promotions.
Freedom First members who qualify can take advantage of our special offers. Check back often for new specials on money markets, certificates, home equity loans, credit cards and more!
Certificates
24-Month Step-Up Certificate from 4.00% APY
A Step-Up Certificate provides you with an option to "step up" to a higher rate, if one exists, after a certain period of time. This lets you be flexible and adjust your rate upwards halfway through your Certificate term.
If you open this special certificate with $5,000 of new money, your starting rate will be 4.00% APY!1 You can get this special promotion online, in a branch, or by calling us at 540-389-0244 (local) / 866-389-0244 (toll-free).
1 APY (Annual Percentage Yield) as of 3/15/2024 and based on dollar amount and term invested. A minimum $5,000 initial deposit is required to open the Certificate. Minimum amounts required to open the Certificate must come from sources other than Freedom First Credit Union. Maximum allowed is $5,000,000. Existing Freedom First Certificates must be within their grace period to renew to receive this offer. Upon maturity, Certificates will automatically renew into the standard Certificate for that term at the prevailing APYs. Early withdrawals may incur substantial penalties. All dividends compound monthly. Rates are subject to change at any time without notice.
Money Markets
Money Market up to 3.75% APY Guaranteed for 6 Months3
Want to keep your assets liquid while still enjoying a higher rate? A Money Market might be right for you! Plus, this special promotion will let you lock in your rate for 6 months.
| Tier | APY | New Money Required |
|---|---|---|
| $10,000-24,999 | 3.50% APY | $10,000 |
| $25,000+ | 3.75% APY | $25,000 |
Questions? Visit your nearest branch or call us anytime at 540-389-0244 (local) / 866-389-0244 (toll-free).
Business Money Market up to 4.25% APY Guaranteed for 6 Months4
This special offer is just for businesses! If you want to enjoy higher dividends while still keeping your funds liquid, this Money Market Special lets you lock in a great rate for 6 months.
| Tier | APY | New Money Required |
|---|---|---|
| Tier 1 - $25,000 | 4.00% APY | Up to 50% New Money |
| Tier 2 - $25,000 | 4.25% APY | Over 50% New Money |
Questions? Visit your nearest branch or call us anytime at 540-389-0244 (local) / 866-389-0244 (toll-free).
3 APY (Annual Percentage Yield) as of 3/15/2024. Promotional rate guaranteed for 6 months after meeting qualifying requirements. On the 7th month, dividends will return to the prevailing APYs for those terms. Minimum of $10,000 required to open account at this promotional rate. Funds must be from sources other than Freedom First Credit Union. If the Average Daily Balance (ADB) falls below $5,000, the Dividend Rate and APY will become 0.01%. Fees may reduce earnings. A one-time $5 deposit is required by Credit Union Bylaws for membership. If the account is closed, the $5 will be returned. This limited time offer is subject to change at any time without notice.
4 APY (Annual Percentage Yield) as of 3/15/2024. Promotional rate guaranteed for 6 months after meeting qualifying requirements. On the 7th month, dividends will return to the prevailing APYs for those terms. Minimum of $25,000 required to open account at this promotional rate. If 50% or less of funds are from sources other than Freedom First Credit Union, you may be eligible for 4.00% APY. If more than 50% of the funds are from sources other than Freedom First Credit Union, you may be eligible for 4.25% APY. If the Average Daily Balance (ADB) falls below $5,000, the Dividend Rate and APY will become 0.01%. Fees may reduce earnings. A one-time $5 deposit is required by Credit Union Bylaws for membership. If the account is closed, the $5 will be returned. This limited time offer is subject to change at any time without notice.
Credit Cards
3X Rewards Points for Rewards Visa® on Hotels & Airlines
Use your Freedom First Rewards Visa® credit card at hotels and with airlines between April 1, 2024 and June 30, 2024 and get 3 rewards points per $1 spent on your purchases!1 That's 3X your usual rewards, and just in time for travel season!
3X Rewards Points for Business Rewards Visa® on Hotels & Airlines
Use your Freedom First Business Rewards Visa® credit card on hotels and airlines between March 1, 2024 and June 30, 2024 and get 3 rewards points per $1 spent on your purchases!2 That's 3X your usual rewards you can earn - and just in time to catch the latest conferences.
5X Rewards Points for Private Reserve Rewards Visa® on Hotels & Airlines
Use your Freedom First Private Reserve Rewards Visa® credit card on hotels and airlines between March 1, 2024 and June 30, 2024 and get 5 rewards points per $1 spent on your purchases!3 That's 5X your usual rewards - just in time for spring break and summer vacation.
Disclosures:
1 Terms, and conditions are subject to change at any time. Promotional period runs from 4/1/2024 through 6/30/2024 and only applies to purchases made at Hotels and Airlines. During the promotional period, earn 3 Rewards points per $1 spent with your Freedom First Rewards Visa. Vacation rentals such as AirBnB, VRBO, or other services may not be eligible. Purchases must be made with merchants in the U.S. Even if a purchase appears to fit in a qualifying category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Freedom First does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not qualify if the technology does not provide sufficient transaction details or a qualifying MCC. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by Freedom First Credit Union. Credit card approval depends on applicant's creditworthiness and other qualifications. Contact Freedom First Credit Union at (540) 389-0244 for additional information on all of our loan products.
2 Terms, and conditions are subject to change at any time. Promotional period runs from 4/1/2024 through 6/30/2024 and only applies to purchases made at Hotels and Airlines. During the promotional period, earn 3 Rewards points per $1 spent with your Freedom First Business Rewards Visa. Vacation rentals such as AirBnB, VRBO, or other services may not be eligible. Purchases must be made with merchants in the U.S. Even if a purchase appears to fit in a qualifying category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Freedom First does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not qualify if the technology does not provide sufficient transaction details or a qualifying MCC. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by Freedom First Credit Union. Credit card approval depends on applicant's creditworthiness and other qualifications. Contact Freedom First Credit Union at (540) 389-0244 for additional information on all of our loan products.
3 Terms, and conditions are subject to change at any time. Promotional period runs from 4/1/2024 through 6/30/2024 and only applies to purchases made at Hotels and Airlines. During the promotional period, earn 5 Rewards points per $1 spent with your Freedom First Rewards Visa. Vacation rentals such as AirBnB, VRBO, or other services may not be eligible. Purchases must be made with merchants in the U.S. Even if a purchase appears to fit in a qualifying category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Freedom First does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not qualify if the technology does not provide sufficient transaction details or a qualifying MCC. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by Freedom First Credit Union. Credit card approval depends on applicant's creditworthiness and other qualifications. Contact Freedom First Credit Union at (540) 389-0244 for additional information on all of our loan products.
Home Equity
We have a unique option for home equity! With EquityFlex, you can lock in a rate for 5 years and it will continue to adjust every 5 years over the life of the loan - instead of every time the Prime Rate changes.*
For loans that are $100,000 or less, you can also skip the closing costs and appraisal fee with this special offer! Check today's rates and see if this product is right for you.
Questions? Visit your nearest branch or call us anytime at 540-389-0244 (local) / 866-389-0244 (toll-free).
*Certain restrictions apply. Find the full terms and conditions, or check rates.