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
6-Month Certificate up to 5.40% APY (for Individuals & Businesses)
We're offering a special 6-month certificate that can earn you up to 5.40% APY!1
| Tier | APY | Minimum New Money Required |
|---|---|---|
| $5,000-$24,999 | 4.75% | $5,000 |
| $25,000-$49,999 | 5.25% | $25,000 |
| $50,000-$1,000,000 | 5.40% | $50,000 |
You can get this special promotion online, in a branch, or by calling us at 540-389-0244 (local) / 866-389-0244 (toll-free).
13-Month Special Certificate up to 5.15% APY (for Individuals & Businesses)
We're offering a special 13-month certificate that can earn you up to 5.15% APY!2
| Tier | APY | Minimum New Money Required |
|---|---|---|
| $5,000-$24,999 | 4.50% | $5,000 |
| $25,000-$49,999 | 4.75% | $25,000 |
| $50,000-$1,000,000 | 5.15% | $50,000 |
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 6/5/2024. Minimum Certificate amounts are required to open the Certificate at these promotional rates and must come from sources other than Freedom First Credit Union. Existing Freedom First Certificates must be within their grace period to renew to receive this offer and must meet new money requirements. Upon maturity, Certificates will automatically renew as 6-month Certificates at the prevailing APYs for those terms. Early withdrawals may incur substantial penalties. This offer is valid for both consumer and business accounts and is subject to change or end at any time without notice.
2 APY (Annual Percentage Yield) as of 6/5/2024. Minimum Certificate amounts are required to open the Certificate at these promotional rates and must come from sources other than Freedom First Credit Union. Existing Freedom First Certificates must be within their grace period to renew to receive this offer and must meet new money requirements. Upon maturity, Certificates will automatically renew as 12-month Certificates at the prevailing APYs for those terms. Early withdrawals may incur substantial penalties. This offer is valid for both consumer and business accounts and is subject to change or end at any time without notice.
Money Markets
Money Market up to 4.75% APY Guaranteed for 6 Months4
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 | 4.50% APY | $10,000 |
| $25,000+ | 4.75% 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 4.75% APY Guaranteed for 6 Months5
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 | 4.50% APY | Up to 50% New Money |
| Tier 2 - $25,000 | 4.75% APY | Over 50% New Money |
Questions? Visit your nearest branch or call us anytime at 540-389-0244 (local) / 866-389-0244 (toll-free).
4 APY (Annual Percentage Yield) as of 6/5/2024. 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.
5 APY (Annual Percentage Yield) as of 6/5/2024. 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 4.50% APY. If more than 50% of the funds are from sources other than Freedom First Credit Union, you may be eligible for 4.75% 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® at Home Improvement Stores
Use your Freedom First Rewards Visa® credit card at home improvement stores between July 1, 2024 and September 30, 2024 and get 3 rewards points per $1 spent on your purchases!6 That's 3X your usual rewards, and just in time to make summer renovations!
3X Rewards Points for Business Rewards Visa® at Gas Stations
Use your Freedom First Business Rewards Visa® credit card at gas stations between July 1, 2024 and September 30, 2024 and get 3 rewards points per $1 spent on your purchases!7 That's 3X your usual rewards you can earn - and just in time for summer travel.
5X Rewards Points for Private Reserve Rewards Visa® at Home Improvement Stores
Use your Freedom First Private Reserve Rewards Visa® credit card at home improvement stores between July 1, 2024 and September 30, 2024 and get 5 rewards points per $1 spent on your purchases!8 That's 5X your usual rewards - just in time to make those summer home renovations.
Disclosures:
6 Terms, and conditions are subject to change at any time. Promotional period runs from 7/1/2024 through 9/30/2024 and only applies to purchases made at Home Improvement stores. During the promotional period, earn 3 Rewards points per $1 spent with your Freedom First Rewards Visa. Home Improvement store purchases include those made at merchants classified as specializing in home improvement merchandise, including but not limited to Home Depot and Lowes. All purchases made at Walmart, Target, convenience stores, wholesale clubs, discount stores, and supercenters are not 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.
7 Terms, and conditions are subject to change at any time. Promotional period runs from 7/1/2024 through 9/30/2024 and only applies to purchases made at Gas Stations (stand-alone). During the promotional period, earn 3 Rewards points per $1 spent with your Freedom First Business Rewards Visa. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs 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.
8 Terms, and conditions are subject to change at any time. Promotional period runs from 7/1/2024 through 9/30/2024 and only applies to purchases made at Home Improvement stores. During the promotional period, earn 5 Rewards points per $1 spent with your Freedom First Rewards Visa. Home Improvement store purchases include those made at merchants classified as specializing in home improvement merchandise, including but not limited to Home Depot and Lowes. All purchases made at Walmart, Target, convenience stores, wholesale clubs, discount stores, and supercenters are not 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.