Take a look at our certificate, money market, credit card, and home equity specials below.
Certificates
6-Month Certificates at 3.50% APY1
Looking for a shorter term but still want steady dividends? Our 6-month certificate special may be a great fit for you!
| Tier | APY | New Money Required |
|---|---|---|
| $5,000-$1,000,000 | 3.50% | $5,000 |
Call 540-389-0244 or Visit a Branch to Open a Special 6-Month Certificate!
6-Month Business Certificates at 3.75% APY1
Looking for a flexible option for your business deposits? Our 6-month business certificate special may be a great fit for you!
| Tier | APY | New Money Required |
|---|---|---|
| $25,000-$1,000,000 | 3.75% | $25,000 |
Call 540-389-0244 or Visit a Branch to Open a Special 6-Month Business Certificate!
Money Markets
Money Markets at 3.25% APY Guaranteed for 3 Months2
Keep your money easily accessible while also enjoying higher dividends. With just $5,000, you can open a special money market account today!
| Tier | APY | New Money Required |
|---|---|---|
| $5,000-$1,000,000 | 3.25% | $5,000 |
Business Money Markets at 3.75% APY Guaranteed for 3 Months2
Keep your business's money easily accessible while also enjoying higher dividends. Starting at $25,000, you can open a special business money market account today!
| Tier | APY | New Money Required |
|---|---|---|
| $25,000-$1,000,000 | 3.75% | $25,000 |
Call 540-389-0244 or Visit a Branch to Open a Special Business Money Market Today!
Credit Cards
Freedom First Rewards Visa®: 3X Rewards on Gas & Groceries3
Get rewarded for everyday shopping! With a Freedom First Rewards Visa®, you'll earn 3 points for every $1 spent on gas & groceries.
These are the essentials you buy every day, and now they help you save more and earn faster. Make every trip to the pump and every grocery run work for you with a Rewards credit card!
Freedom First Business Rewards Visa®: 3X Rewards on Gas & Groceries3
Get rewarded for everyday shopping! With a Freedom First Business Rewards Visa® you'll earn 3 points for every $1 spent on gas & groceries.
Earn faster on your business trip or when you're around town taking care of your day-to-day operations. Make every trip to the pump and every grocery run work for you with a Business Rewards credit card!
Call 540-389-0244 or visit a branch to apply!
Freedom First Platinum Reserve Rewards Visa®: 5X Rewards on Gas & Groceries4
Get rewarded for everyday shopping! With a Freedom First Private Reserve Rewards Visa®, you'll earn 5 points for every $1 spent on gas & groceries.
These are the essentials you buy every day, and now they help you save more and earn faster. Make every trip to the pump and every grocery run work for you with a Private Reserve credit card!
Home Equity
EquityFlex Special Intro Offer
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.
Disclosures:
1APY (Annual Percentage Yield) as of 1/1/26. 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 limited time offer is subject to change at any time without notice. Fees may reduce earnings.
2APY (Annual Percentage Yield) as of 1/1/26. Minimum amounts are required to open the Money Market at these promotional rates and must come from sources other than Freedom First Credit Union. Promotional rate guaranteed for 3 months after meeting qualifying requirements, after which dividends will return to the prevailing APYs for those terms. If the Average Daily Balance (ADB) falls below $5,000, the Dividend Rate and APY will become 0.01%. 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, and fees may reduce earnings.
3 Credit card approval depends on applicant's creditworthiness and other qualifications. APR (Annual Percentage Rate), terms, and conditions are subject to change at any time. APR is based on the applicant’s creditworthiness and will vary with the market based on the Prime Rate. Terms and conditions are subject to change at any time. Promotional period runs from 1/1/2026 through 3/31/2026 and only applies to purchases made at Gas Stations (stand-alone) and Grocery Stores. During the promotional period, earn 3 Rewards points per $1 spent with your Freedom First Rewards Visa® or 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. Grocery Store purchases include those made at supermarkets, meat lockers, bakeries, smaller grocery stores, and grocery delivery services. 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. Contact Freedom First Credit Union at (540) 389-0244 for additional information on all of our loan products.
4 Credit card approval depends on applicant's creditworthiness and other qualifications. APR (Annual Percentage Rate), terms, and conditions are subject to change at any time. APR is based on the applicant’s creditworthiness and will vary with the market based on the Prime Rate. Terms and conditions are subject to change at any time. Promotional period runs from 1/1/2026 through 3/31/2026 and only applies to purchases made at Gas Stations (stand-alone) and Grocery Stores. During the promotional period, earn 5 Rewards points per $1 spent with your Freedom First Private Reserve 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. Grocery Store purchases include those made at supermarkets, meat lockers, bakeries, smaller grocery stores, and grocery delivery services. 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. Contact Freedom First Credit Union at (540) 389-0244 for additional information on all of our loan products.