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!
24-Month Step-Up Certificate from 4.30% APY

Graph illustrating the timeline of step-up rates at 12 months & 24 months. Promotion details in text below.

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 4.30% 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 2/1/2024 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 Market up to 4.00% 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 3.75% APY $10,000
$25,000+ 4.00% 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 4.50% APY Guaranteed for 6 Months4

Older florist arranging sunflowers in her store. Promotion details in text below.

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 4.25% APY Up to 50% New Money
Tier 2 - $25,000 4.50% 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 2/1/2024. 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 2/1/2024. 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 4.25% APY. If more than 50% of the funds are from sources other than Freedom First Credit Union, you may be eligible for 4.50% 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.
3X Rewards Points for Rewards Visa® on Gas & Groceries

Young mother carrying daughter in grocery store. Promotion details in text below.

Use your Freedom First Rewards Visa® credit card on Amazon.com between January 1, 2024 and March 31, 2024 and get 3 rewards points per $1 spent on your purchases!1 That's 3X your usual rewards for your gas and groceries.


3X Rewards Points for Business Rewards Visa® at Office Supply Stores

Group of employees working at a shared desk. Promotion details listed in text below.

Use your Freedom First Business Rewards Visa® credit card on Amazon.com between January 1, 2024 and March 31, 2024 and get 3 rewards points per $1 spent on your purchases!2 That's 3X your usual rewards you can earn when stocking up on supplies for the new year.


5X Rewards Points for Private Reserve Rewards Visa® on Gas & Groceries

Young father carrying his daughter at a grocery store. Promotion details listed in text below.

Use your Freedom First Private Reserve Rewards Visa® credit card on Amazon.com between January 1, 2024 and March 31, 2024 and get 5 rewards points per $1 spent on your purchases!3 That's 5X your usual rewards for gas and groceries.



Disclosures:

1 Terms and conditions are subject to change at any time. Promotional period runs from 1/1/2024 through 3/31/2024 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. 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. 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 1/1/2024 through 3/31/2024 and only applies to purchases made at Office Supply stores. During the promotional period, earn 3 Rewards points per $1 spent with your Freedom First Business Rewards Visa. Office supply store purchases include those made at merchants classified as places that sell office supplies, such as Office Max, Staples, and other specialty stores. 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.

3 Terms and conditions are subject to change at any time. Promotional period runs from 1/1/2024 through 3/31/2024 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 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. 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.
EquityFlex - no closing costs or appraisal fee for loans under $100,000*

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.









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