Special Certificates Available up to 4.50% APY*

View the full terms and product information on our Special Promotions page or open a special certificate online.

Key features of Freedom First Certificates:

Minimum Opening Deposit

$500

The more you invest, the more you
can earn starting at $500.1
Competitive Rates

Earn More

Competitive rates to ensure your money works for you.
Predictable Returns

Low-Risk

Earn predictable returns over a set period of time ranging from 6-60 months.1









Already applied? You can check on your application at the link below.

Your Certificate Account also comes with:

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Earn dividends on a tiered scale
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Free financial review with our experts anytime
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50,000+ fee-free ATMs2

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Free budgeting tool
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Control & protect your cards

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Frequently Asked Questions

Still have questions? See if our FAQs can help!

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Disclosures:
*APY (Annual Percentage Yield) valid as of 7/21/25. Minimum deposit of $5,000 in funds not from Freedom First to take advantage of this promotional rate. Other restrictions may apply, and fees may reduce earnings. Early withdrawals may incur substantial penalties. Find more information about this product on our Special Promotions page or by contacting us at 540-389-0244.

1Substantial penalty for early withdrawal. Members are limited to $1,000,000 in Share Certificate balances, without prior approval. Rates are subject to change without notice. IRAs are also subject to limitations and/or penalties imposed by the IRS. Please see a tax advisor for additional information. Additional rates may be available based on qualification into our Private Banking program or on limited-time Special Promotions. For more information, please contact us online or at 540-389-0244.
 
2Surcharge-free ATMs are a part of the CULIANCE ATM network and can be identified by the presence of a CULIANCE, MoneyPass or Allpoint logo.