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Minimum Direct Deposit Tier Minimum ADB Max. ADB Dividend Rate APY
$1,000 1 - $10,000 0.50% 0.50%
$1,000 2 $10,000.01 $1,000,000 0.10% 0.10%
$5,000 3 - $10,000 4.89% 5.00%
$5,000 4 $10,000.01 $1,000,000 0.15% 0.15%

 
Savings Accounts

(Primary Share, Vacation & Christmas Clubs, Life Savings Shares, IRA Accounts, Secondary Shares, Trust Accounts, Insurance Shares)
Tier Min. ADB Max. ADB Dividend Rate APY
1 $200 $5,000 0.01% 0.01%
2 $5,000.01 $20,000 0.01% 0.01%
3 $20,000.01 $50,000 0.01 % 0.01%
4 $50,000.01 $100,000 0.01% 0.01%
5 $100,000.01 Above 0.01% 0.01%


(formerly Little Gobbler Club Accounts)
Tier Min. ADB Max. ADB Dividend Rate APY
1 $1 $500 0.01% 0.01%
2 $500.01 $2,000 0.05% 0.05%
3 $2,000.01 $5,000 0.10% 0.10%
4 $5,000.01 Above 0.15% 0.15%

 
 
Disclosures:
 
1 ADB = Average Daily Balance. Freedom Stash® checking accounts will pay perks on the last day of each month, based on account activity in that month on the condition that the member is enrolled in Direct Deposit of at least $1,000. If Direct Deposit into the account drops below $1,000 for two consecutive months, the Monthly Account Fee of $9 will be charged for each month that Direct Deposit continues to remain below $1,000. The Monthly Account Fee will be waived for the first two consecutive months after the new account opening, regardless of Direct Deposit amount during that time. "Direct Deposit" is defined as ACH deposits only and will not include check or cash deposits done either in-branch or remotely. ACH deposits may be any combination of your paycheck, social security check, dividend deposits, and other such automated deposits. Call us at 540-389-0244 (local) or 866-389-0244 (toll-free) with questions about what qualifies as an ACH deposit. Fees may reduce earnings. APY could change after account opening.
 
2 All Dividends on this Schedule are Posted and Compounded Monthly. Annual Percentage Yield (APY) is variable and subject to change without prior notice. Dividends on these accounts are calculated by using the account Average Daily Balance (ADB) and the Tier A dividend method. The ADB is computed by adding the balance in the account for each day in the month and dividing that figure by the number of days in the month. The dividend Tier A method means that the dividend rate used will be based on the account ADB and the dividend rate for that ADB. The "Dividend Rate" for that tier will be used to pay the dividend on the entire ADB. For example, if the account ADB is $5,600 for the month, the entire $5,600 will be paid a dividend at the Tier 2 rate. No dividend will be paid if the account ADB is below $200 for the month. If the account is closed before dividends are credited, any accrued dividend will not be credited. A one-time $5 deposit is required by Credit Union Bylaws for membership. If the account is closed, the $5 will be returned. Fees may reduce earnings.
 
3 For a Freedom Dash® Youth Account, upon Your 18th birthday, Your Account will automatically convert to a Regular Share Account and will be subject to all applicable rates, fees and minimum balance requirements.
Money Market Accounts

(Money Market Specials and Private Reserve Money Markets are not listed on this table)
Min. Opening Deposit Tier Min. ADB Max. ADB Dividend Rate APY
$5,000 1 $5,000 $24,999.99 0.01% 0.01%
$5,000 2 $25,000 $49,999.99 0.03% 0.03%
$5,000 3 $50,000 $99,999.99 0.05% 0.05%
$5,000 4 $100,000 Above 0.25% 0.25%


Certificates

(Certificate Specials and Laddered Certificates are not listed on this table)

6-Month Certificates
Tier Account Min. Account Max. Dividend Rate APY
1 $500 $2,499.99 0.25% 0.25%
2 $2,500 $9,999.99 0.25% 0.25%
3 $10,000 Above 0.25% 0.25%

12-Month Certificates
Tier Account Min. Account Max. Dividend Rate APY
1 $500 $2,499.99 0.85% 0.85%
2 $2,500 $9,999.99 0.85% 0.85%
3 $10,000 Above 0.85% 0.85%

24-Month Certificates
Tier Account Min. Account Max. Dividend Rate APY
1 $500 $2,499.99 0.90% 0.90%
2 $2,500 $9,999.99 0.90% 0.90%
3 $10,000 Above 0.90% 0.90%

36-Month Certificates
Tier Account Min. Account Max. Dividend Rate APY
1 $500 $2,499.99 1.00% 1.00%
2 $2,500 $9,999.99 1.00% 1.00%
3 $10,000 Above 1.00% 1.00%

48-Month Certificates
Tier Account Min. Account Max. Dividend Rate APY
1 $500 $2,499.99 1.04% 1.05%
2 $2,500 $9,999.99 1.04% 1.05%
3 $10,000 Above 1.04% 1.05%

60-Month Certificates
Tier Account Min. Account Max. Dividend Rate APY
1 $500 $2,499.99 1.09% 1.10%
2 $2,500 $9,999.99 1.09% 1.10%
3 $10,000 Above 1.09% 1.10%



Disclosures:

4 Dividend rates may change after the account is opened. Fees may reduce earnings on the account. If the Average Daily Balance (ADB) falls below $5,000, the Dividend Rate and APY will be reduced to 0.01%.

5 Substantial penalty for early withdrawal. Certificate maximums may vary, so please contact us at 540-389-0244 (local) or 866-389-0244 (toll-free) for details. Rates are subject to change without notice. Rates are subject to change without notice. IRAs are also subject to limitations and/or penalties imposed by the IRS. Please see a tax advisor for additional information. Additional rates may be available based on qualification into our Private Banking program. For more information, please contact us online or by phone at 540-389-0244.

APR as low as Loan Terms & Features
7.00% Fixed rate. Loans up to 90% Loan-to-Value. Up to 180 months to pay.


HELOCs

APR as low as Loan Terms & Features Introductory Rate APR
8.00% Variable rate. Up to 240 months to repay. For lines of credit under $100,000. 5.99% fixed introductory rate for the first 13 months on qualifying lines of credit. Up to 80% Loan-to-Value.
7.50% Variable rate. Up to 240 months to repay. For lines of credit over $100,000. Not available.


APR as low as Loan Terms & Features
8.50% Variable rate. Loans up to 90% of Loan-to-Value. Up to 240 months to repay.


Disclosures:

6 APRs are subject to change without notice. Rates may vary depending upon credit qualifications and selected terms. Rates are fixed unless otherwise stated. A payment example for a consumer who finances $10,000 at a term of 180 months and at an annual percentage rate of 10.99% would result in 180 payments of $113.60. Payment amounts do not include taxes and insurance and repayment terms may vary depending upon rate. The minimum loan amount is $10,000. The maximum loan amount is $250,000. The loan-to-value ratio can be up to 90%. Property insurance and flood insurance, if applicable, must be in effect on the property being secured. Other rates and terms may exist for applications which do not qualify under the aforesaid conditions. Consult your tax adviser for further information regarding the deductibility of interest and charges. Home Equity Loans are subject to credit approval, verification and collateral evaluation.

7 The Annual Percentage Rate (APR) of a HELOC is indexed to the Prime Rate as published on the money rate table in the Wall Street Journal + a margin for the life of the loan. Prime Rate as of 7/21/2025 is 7.50%. Our current lowest APR for credit lines over $100,000 is 7.50%, which includes + 0.00 margin and for credit lines under $100,000 is 8.00%, which includes + 0.50 margin. HELOC APRs are variable and subject to change. The maximum APR that may be imposed is 18.00%. Maximum loan-to-value as high as 90%, depending on creditworthiness. No closing costs for loan amounts of $100,000 and less except for legal fees, if required. If the HELOC is closed, cancelled, or fully repaid within 36 months, the borrower may be required to reimburse the lender for some or all of the fees and charges incurred at the time of closing. For loan amounts over $100,000, estimated closing costs may range from $1,625 to $2,897. A review of the credit eligibility, adequate property value , and a clear title is also needed for qualification. Other restrictions may apply. The minimum loan amount is $10,000 and the maximum loan amount is $300,000. The term is up to 240 months. Pay interest only on the amount drawn or 1% of the balance. Membership with Freedom First is a requirement for this offer with a $5 share account. Property insurance, if applicable, must be in effect on the property being secured and the said property must be in the Freedom First Credit Union membership area. The property must be owner occupied . Please consult a tax adviser for further information regarding the deductibility of interest. All credit union loan programs, rates, term and conditions are subject to change at any time without notice. Contact a Freedom First Credit Union representative at (540) 389-0244 for complete details.

8 For qualifying credit lines of $100,000 or less, an introductory rate as low as 5.99% fixed APR applies for the first thirteen (13) months of the loan. After the introductory period, the APR will revert back to the original rate indexed to the Prime Rate. Your actual rates may vary, depending on credit history, loan amount and term, loan to value ratio, and other factors. Maximum loan-to-value as high as 80%, depending on creditworthiness. No closing costs for loan amounts of $100,000 and less except for legal fees, if required. Contact a Freedom First Credit Union representative at (540) 389-0244 for more details.

9 APR is a variable rate and may change at any time. APR is based on the highest Prime Rate published in the Money Rates table of The Wall Street Journal + a minimum 1.00% margin for the life of loan. Prime Rate as of 7/21/2025 is 7.50%. A payment example for a consumer who finances $10,000 at 10.99% APR with an initial monthly principal and interest payment of $103.15 for the first 60 months. After the initial period the variable rate and payment will adjust every five (5) years and equal the total of the Wall Street Journal Prime Rate plus a minimum margin of 1.00%. Payment amounts do not include taxes and insurance and repayment terms may vary depending upon rate. Actual rates may vary depending upon credit qualifications and selected terms. The minimum amount is $10,000. The maximum loan amount is $250,000. The loan-to-value ratio can be up to 90%. Property insurance and flood insurance, if applicable, must be in effect on the property being secured. Other rates and terms may exist for applications which do not qualify under the aforesaid conditions. Equity Flex Loans are subject to credit approval, verification and collateral evaluation. Consult a tax adviser for further information regarding the deductibility of interest and charges.
Auto Loans

APR as low as Loan Terms & Features
6.24% Model years and mileage limits may apply. Up to 84 months to repay.



APR as low as Loan Terms & Features
7.00% Use collateral such as autos, RVs, etc. to secure the loan. Up to 60 months to repay.

APR as low as Loan Terms & Features
9.99% No collateral required. Up to 35 months to repay.



Disclosures:

10 Certain restrictions apply. Annual Percentage Rate (APR) varies depending upon credit qualifications and selected terms. All rates are fixed unless otherwise indicated. Loans are subject to credit approval. Maximum loan term is 84 months. An estimated monthly payment of $356 would result for a loan amount of $20,000 at 8.50% for 72 months. Repayment terms may vary depending upon rate and selected terms. No prepayment penalties. APR is subject to change at any time without notice. Please call 866-389-0244 for more information about this product and other services provided by Freedom First Credit Union.

11 APR may vary depending upon credit qualifications and selected terms. All rates are fixed unless otherwise indicated. An estimated monthly payment of $316 would result for a loan amount of $12,000 at 11.99% for 36 months. Rates are subject to change without notice. No prepayment penalties. Certain restrictions apply. Loans are subject to credit approval. Repayment terms may vary depending upon rate.

12 APR may vary depending upon credit qualifications and selected terms. All rates are fixed unless otherwise indicated. An estimated monthly payment of $270 would result for a loan amount of $8,000 at 12.99% for 36 months. Rates are subject to change without notice. No prepayment penalties. Certain restrictions apply. Loans are subject to credit approval. Repayment terms may vary depending upon rate.

APR for Purchases APR for Balance Transfers APR for Cash Advances
12.74% - 18.00% 12.74% - 18.00% 15.49% - 18.00%

APR for Purchases APR for Balance Transfers APR for Cash Advances
14.24% - 18.00% 14.24% - 18.00% 17.49% - 18.00%


Disclosures:

13 Credit card approval depends on applicant's creditworthiness and other qualifications. APR, 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. Read the credit card agreement & disclosures here.
Mortgage rates may change frequently and without notice. For the most up-to-date rate quote, please ask one of our mortgage experts.

Account Type Min. Opening Deposit Min. ADB Dividend Rate APY
Business Checking $100 $0 0.00% 0.00%
Simple Business Checking $100 $0 0.00% 0.00%
Nonprofit Checking $100 $0 0.00% 0.00%
Analysis Checking $100 $0 0.00% 0.00%


Tier Tier Min. ADB Tier Max. ADB Dividend Rate APY
1 $200 $5,000 0.01% 0.01%
2 $5,000.01 $20,000 0.01% 0.01%
3 $20,000.01 $50,000 0.01% 0.01%
4 $50,000.01 $100,000 0.01% 0.01%
5 $100,000.01 Above 0.01% 0.01%


Disclosures:

14 Please note that our business checking accounts do not pay dividends.

15 Fees may reduce earnings. All Dividends on this Schedule are Posted and Compounded Monthly. Annual Percentage Yield (APY) is variable and subject to change without prior notice. Dividends on these accounts are calculated by using the account Average Daily Balance (ADB) and the Tier A dividend method. The ADB is computed by adding the balance in the account for each day in the month and dividing that figure by the number of days in the month. The dividend Tier A method means that the dividend rate used will be based on the account ADB and the dividend rate for that ADB. The "Dividend Rate" for that tier will be used to pay the dividend on the entire ADB. For example, if the account ADB is $5,600 for the month, the entire $5,600 will be paid a dividend at the Tier 2 rate. No dividend will be paid if the account ADB is below $1,000 for the month. There is a $10 per month fee for accounts with ADB below $5,000. If the account is closed before dividends are credited, any accrued dividend will not be credited. A one-time $5 deposit is required by Credit Union Bylaws for membership. If the account is closed, the $5 will be returned. Fees may reduce earnings.

Indexed Business Money Markets16
Tier Tier Min. ADB Tier Max. ADB Dividend Rate APY
1 $1,000 $64,999.99 1.49% 1.50%
2 $65,000 $239,999.99 1.69% 1.70%
3 $240,000 Above 3.25% 3.30%



12-Month Business Certificate
Tier Account Min. Account Max. Dividend Rate APY
1 $500 $2,499.99 0.85% 0.85%
2 $2,500 $9,999.99 0.85 % 0.85%
3 $10,000 Above 0.85% 0.85%

24-Month Business Certificate
Tier Account Min. Account Max. Dividend Rate APY
1 $500 $2,499.99 0.90% 0.90%
2 $2,500 $9,999.99 0.90% 0.90%
3 $10,000 Above 0.90% 0.90%

36-Month Business Certificate
Tier Account Min. Account Max. Dividend Rate APY
1 $500 $2,499.99 1.00% 1.00%
2 $2,500 $9,999.99 1.00% 1.00%
3 $10,000 Above 1.00% 1.00%

48-Month Business Certificate
Tier Account Min. Account Max. Dividend Rate APY
1 $500 $2,499.99 1.04% 1.05%
2 $2,500 $9,999.99 1.04% 1.05%
3 $10,000 Above 1.04% 1.05%

60-Month Business Certificate
Tier Account Min. Account Max. Dividend Rate APY
1 $500 $2,499.99 1.09% 1.10%
2 $2,500 $9,999.99 1.09% 1.10%
3 $10,000 Above 1.09% 1.10%


Disclosures:

16 Required minimum opening deposit is $1,000. Annual Percentage Yield (APY) for the Indexed Business Money Market is variable and subject to change without prior notice. Fees may reduce earnings. Indexed Business Money Market tiers are indexed to the 90-day U.S. Treasury bill, are evaluated a month in arrears using the closing rate and adjusted accordingly the following month. Rates are rounded to the nearest one-hundredth of a percent.

17 Substantial penalty for early withdrawal. Members are limited to $1,000,000 in Share Certificate balances, without prior approval. Rates are subject to change without notice. 

APR for Purchases APR for Balance Transfers APR for Cash Advances
13.74% - 18.00% 13.74% - 18.00% 16.99% - 18.00%

APR for Purchases APR for Balance Transfers APR for Cash Advances
13.74% - 18.00% 13.74% - 18.00% 16.99% - 18.00%


Disclosures:

18 Credit card approval depends on applicant's creditworthiness and other qualifications. Rates, terms, and conditions are subject to change without notice. APR (Annual Percentage Rate) is based on the applicant’s creditworthiness and is subject to change. Your APR will vary with the market based on the Prime Rate.
Business Loans
We offer a wide variety of loans for businesses of any size, including equipment and vehicle loans, business lines of credit, commercial real estate loans, and working capital loans. Because each case is unique, our Commercial Lending team will work with you to find the best product and rate.




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