Take a look at our certificate, money market, credit card, and home equity specials below.
Certificates
6-Month Certificates at 4.25% APY1
Looking for a shorter term but still want steady dividends? Our 6-month certificate special may be a great fit for you!
Call 540-389-0244 and say "Certificate" or Visit a Branch to Open a Special 6-Month Certificate!
Money Markets
Money Markets at 3.25% APY Guaranteed for 6 Months2
Keep your money easily accessible while also enjoying higher dividends. With just $5,000, you can open a special money market account today! This offer is for consumer accounts only.
Business Money Markets at 3.75% APY Guaranteed for 6 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!
Call 540-389-0244 and say "Money Market" or Visit a Branch to Open a Special Business Money Market Today!
Credit Cards
Freedom First Rewards Visa®: 2 Rewards Points per $1 on all purchases!3
Get rewarded on your everyday spending! With a Freedom First Rewards Visa® or Business Rewards Visa®, you'll earn 2 points for every $1 spent on all purchases through the end of the year. Earn rewards points wherever you shop and use your Rewards Visa® to offset costs with bonus rewards.
Call 540-389-0244 and say "Credit Card" or visit a branch to apply for a Business Rewards Visa®!
Freedom First Platinum Visa® & Business Platinum Visa®: Enjoy 9.99% APR on all purchases!4
Get rewarded on everyday spending! With a Freedom First Platinum Visa® or Business Platinum Visa®, you can enjoy 9.99% APR on all purchases through the end of the year.
After the bonus period, your purchases will be subject to the current market rate ranging from 12.24% APR for the Platinum Visa® and 13.24% APR for the Business Platinum Visa®, up to a maximum of 18.00% APR.
Apply for a Platinum Visa® Today
Call 540-389-0244 and say "Credit Card" or visit a branch to apply for a Business Platinum Visa®!
Freedom First Private Reserve Rewards Visa®: 3 Rewards Points per $1 on all purchases!3
Get rewarded on your everyday spending! With a Private Reserve Rewards Visa®, you'll earn 3 points for every $1 spent on all purchases through the end of the year. Just in time for the holiday season!
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) and say "home equity loan."
*Certain restrictions apply. Find the full terms and conditions, or check rates.
Disclosures:
1APY (Annual Percentage Yield) as of 10/1/26. 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 APY for its term. Find current rates here. Early withdrawals may incur substantial penalties. This limited time offer is subject to change at any time without notice and is valid for consumer accounts only. Fees may reduce earnings. See account opening disclosures for additional details.
2APY (Annual Percentage Yield) as of 10/1/26. 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 6 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.
3Use your Freedom First Rewards Visa® Credit Card between 10/01/26 and 12/31/26 and get 2 rewards points per $1 spent with your Freedom First Rewards Visa® or Business Rewards Visa® and 3 rewards points per $1 spent with your Freedom First Private Reserve Visa® on all purchases. Credit card approval and APR (Annual Percentage Rate) depends on applicant's creditworthiness and other qualifications. APR, terms, and conditions are subject to change at any time. APR will vary with the market based on the Prime Rate. No annual fees. Other fees may apply. 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 at (540) 389-0244 for additional information on all of our loan products.
4APR (Annual Percentage Rate), terms, and conditions are subject to change at any time. 9.99% APR applies only to purchases made with your Freedom First Platinum Visa® or Business Platinum Visa® credit card between 10/1/2026 and 12/31/2026 and will continue at this promotional rate until the principal on those charges are paid. After the bonus period, balances are subject to a variable APR ranging from as low as 12.24% for the Platinum Visa® and 13.24% for the Business Platinum Visa®, up to a maximum APR of 18.00%. No annual fees. Other fees may apply. Credit card approval depends on applicant's creditworthiness and other qualifications. 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.