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
Match+ Special Certificate
We'll match (or bump!) the Certificate rate on any local competitor. Now that's an offer you just can't beat!1
How does it work? Just bring in an advertisement or written proof of a local competitor's rate on any consumer Certificate that's 24 months or less. If you bring additional new money, we'll sweeten the deal by bumping your rate:
| New Money | Rate Bump |
|---|---|
| $25,000 | 0.05% APY |
| $50,000 | 0.10% APY |
| $100,000 | 0.25% APY |
How do you get this deal? Call us at 540-389-0244 (local) / 866-389-0244 (toll-free) or visit your nearest branch location - and don't forget to bring the ad!
24-Month Step-Up Certificate from 5.00% APY
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 5.00% APY!2 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) is based on the dollar amount and term invested. A minimum $500 initial deposit is required to open this Certificate. A minimum of $25,000 new money 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 in order 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. Certain restrictions and “local competitor” exclusions may apply. This offer is only valid for consumer accounts and is subject to change or end at any time.
2 APY (Annual Percentage Yield) as of 7/1/2023 and based on dollar amount and term invested. A minimum $5000 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 Markets
Money Market up to 4.00% APY Guaranteed for 12 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 12 months.
| Tier | APY | New Money Required |
|---|---|---|
| $10,000-24,999 | 3.50% 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 4.25% APY Guaranteed for 12 Months4
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 12 months.
| Tier | APY | New Money Required |
|---|---|---|
| Tier 1 - $25,000 | 4.00% APY | Up to 50% New Money |
| Tier 2 - $25,000 | 4.25% 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 7/1/2023. Promotional rate guaranteed for 12 months after meeting qualifying requirements. On the 13th month, which 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 7/1/2023. Promotional rate guaranteed for 12 months after meeting qualifying requirements. On the 13th month, which 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 4.00% APY. If more than 50% of the funds are from sources other than Freedom First Credit Union, you may be eligible for 4.25% 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® on Select Streaming Services
Use your Freedom First Rewards Visa® credit card on select streaming services between July 1, 2023 and September 30, 2023 and get 3 rewards points per $1 spent on your purchases!1 That's 3X your usual rewards for the entertainment you already use.
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, 2023 and September 30, 2023 and get 3 rewards points per $1 spent on your purchases!2 That's 3X your usual rewards you can earn on your business travel.
5X Rewards Points for Private Reserve Rewards Visa® on Select Streaming Services
Use your Freedom First Private Reserve Rewards Visa® credit card on Gas and Groceries between July 1, 2023 and September 30, 2023 and get 5 rewards points per $1 spent on your purchases!3 That's 5X your usual rewards for the entertainment you already use.
Disclosures:
1 Terms, and conditions are subject to change at any time. Promotional period runs from 7/1/2023 through 9/30/2023 and only applies to purchases made on Select Streaming Services. During the promotional period, earn 3 Rewards points per $1 spent with your Freedom First Rewards Visa. Examples of Select Streaming Service purchases include Amazon Music, Amazon Prime Video, AMC+, Apple Music, Apple TV, Audible, DirecTV Stream, FUBO, Google Play, HBO Max, iHeartRadio, MLB.TV, Pandora, Paramount Plus, Peacock, Showtime, SiriusXM, Sling TV, Spotify, Starz, Vudu, YouTube Music, YouTube Premium, YouTube TV. Other popular streaming services may be included. If your subscription is bundled with another product or service, billed by a third party (such as a digital platform, a cable or satellite provider, telecommunications, internet provider or a car manufacturer), the purchase may not be eligible in this category. Add-ons associated with Select Streaming Services may not qualify for this promotion if they are not listed, billed in a bundle, separately or through a third party. Listed merchants are in no way sponsoring or affiliated with this program. 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 7/1/2023 through 9/30/2023 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.
3 Terms, and conditions are subject to change at any time. Promotional period runs from 7/1/2023 through 9/30/2023 and only applies to purchases made on Select Streaming Services. During the promotional period, earn 5 Rewards points per $1 spent with your Freedom First Rewards Visa. Examples of Select Streaming Service purchases include Amazon Music, Amazon Prime Video, AMC+, Apple Music, Apple TV, Audible, DirecTV Stream, FUBO, Google Play, HBO Max, iHeartRadio, MLB.TV, Pandora, Paramount Plus, Peacock, Showtime, SiriusXM, Sling TV, Spotify, Starz, Vudu, YouTube Music, YouTube Premium, YouTube TV. Other popular streaming services may be included. If your subscription is bundled with another product or service, billed by a third party (such as a digital platform, a cable or satellite provider, telecommunications, internet provider or a car manufacturer), the purchase may not be eligible in this category. Add-ons associated with Select Streaming Services may not qualify for this promotion if they are not listed, billed in a bundle, separately or through a third party. Listed merchants are in no way sponsoring or affiliated with this program. 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.