Take a look at our certificate, money market, credit card, and home equity specials below.
Certificates
6-Month Certificates at 3.80% 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 | 3.80% | $5,000 |
Call 540-389-0244 or Visit a Branch to Open a Special 6-Month Certificate!
6-Month Business Certificates at 3.80% 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 | 3.80% | $25,000 |
Call 540-389-0244 or Visit a Branch to Open a Special 6-Month Business Certificate!
13-Month Certificates at 3.55% APY1
Looking to lock in your earnings for a year? Our 13-month certificate special may be a great fit for you!
| Tier | APY | New Money Required |
|---|---|---|
| $5,000-$1,000,000 | 3.55% | $5,000 |
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:
*Rules and Regulations: Entries must be submitted in person at any Freedom First Credit Union branch location during normal business hours on March 17, 2026. Two drawings will be held at each branch on March 17, 2026, one at 12:00 PM EST and one at 5:00 PM EST. Each drawing will award one (1) $25.00 gift card. No purchase, account, or membership is required to enter or win. Opening or maintaining an account of membership will not increase your chances of winning. Anyone may enter once per person at any branch location. Individuals who present a Freedom First “Golden Ticket” distributed during St. Patrick’s Day Parade in Roanoke, VA on March 14, 2026 may receive one (1) additional entry at the time of ticket redemption. Sweepstakes open only to legal residents of the 48 contiguous United States and the District of Columbia, who are 18 years of age or older. Void wherever prohibited by law. Families, employees, directors, and officers of Freedom First Credit Union and participating sponsors are not eligible. No liability is assumed for lost, late, incomplete, inaccurate, non-delivered or misdirected e-mail, garbled, mis transcribed, faulty, or incomplete telephone transmissions, incomplete or delayed computer transmission or any human error which may occur in the receipt of processing entries in this sweepstakes. By entering the sweepstakes, entrants agree Freedom First Credit Union reserves the right, at their sole discretion, to disqualify any individual who tampers with the entry process and to cancel, terminate, modify, or suspend the sweepstakes. Winners agree Freedom First Credit Union and participating sponsors, their subsidiaries, affiliates, agents and promotion agencies shall not be liable for injuries or losses of any kind resulting from acceptance of or use of prizes. No substitutions or redemption of cash, or transfer of prize permitted. Any taxes or other costs associated with winning any of the prizes will be paid by the winner. Winners agree to allow sponsors to use their name and pictures for promotional purposes. Winners will be contacted using the information they provided at the time of entry and must respond within 48 hours to claim their prize before an alternative winner is selected. Prize for each drawing is one (1) $25 gift card. After the prize has been claimed, a convenient time will be scheduled with the winner to pick up their prize at the Freedom First branch location where their name was drawn. Odds of winning depend on the total number of eligible entries received. All Federal, State, and local laws and regulations apply.
1APY (Annual Percentage Yield) as of 3/15/2026. 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, 6-month Certificates will automatically renew as 6-month Certificates and 13-month Certificates will automatically renew as 12-month Certificates at the prevailing APYs for those terms respectively. Early withdrawals may incur substantial penalties. This limited time offer is available for consumer accounts only and is subject to change at any time without notice. Fees may reduce earnings. See account opening disclosures for additional details.
2APY (Annual Percentage Yield) as of 3/1/26. 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. See account opening disclosures for additional details.
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.