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Freedom First Credit Union

Special Promotions

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Take Advantage of Our Specials Today

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!

Current Offers

90 Day Pay Delay on Auto Loans

Delay your first car payment by 90 days* rates as low as 1.49% APR*

Whether you're buying a new/used car and need an auto loan or refinancing an existing loan, for a limited time when you bring your auto loan to Freedom First you can delay your first loan payment by 90 days. Plus, rates start as low as 1.49% APR!*

That's practically 3 months of not worrying about a payment!

*APR = Annual Percentage Rate. Rates are valid as of May 1, 2021, and may vary depending upon credit qualifications, selected terms and applicable discounts. All rates are fixed unless otherwise indicated. An estimated monthly payment of $327 would result for a loan amount of $20,000 at 5.49% for 72 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. Payments cannot be deferred more than 90 days from the day of loan closing. Offer valid on auto loans not currently financed with Freedom First Credit Union. Offer subject to end or change at any time without notice.

Bonus Rewards Now Available on Rewards Credit Cards!

You asked, we answered. Starting May 1, 2020, our Rewards program is getting a boost. We are introducing opportunities to earn bonus points for new and existing cardholders.2

New cardholders can earn:2
  • 1,000 bonus points for your first purchase
  • 20,000 bonus points if you spend $5,000 or more in the first 60 days from opening your credit card
Existing & new cardholders can earn:2
  • 1,000 bonus points if you spend $1,000 or more per month
  • 500 bonus points on the cardholder's birthday
  • 300 bonus points for the anniversary of your card account opening

1Credit 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. See current rates. Certain restrictions apply.
2The one-time bonuses are only available to new cardholders if and when the specified criteria to receive the bonus is met. The new accountholder will receive the reward points within two statement periods. The two one-time bonuses are limited to the primary accountholder and will only be credited for the first new credit card opened. This promotional offer is subject to change at any time.

HELOC: 24-Month Fixed Intro Rate, ZERO Closing Costs!*

Fixed introductory rates on HELOCs as low as 2.74% APR.* Check our rates. *APR=Annual Percentage Rate. Terms and restrictions apply. Equal Housing Lender.

Home Equity Lines of Credit up to $100,000 may qualify for:
24-month fixed introductory rate as low as 2.74% Annual Percentage Rate*
$0 in closing costs!*
*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 3/16/2020 is 3.25%. Our current lowest APR as of 3/16/2020 for credit lines over $100,000 is 3.50%, which includes + 0.25 margin and for credit lines under $100,000 is 3.75%, which includes + 0.50 margin. HELOC APRs are variable and subject to change. For credit lines of $100,000 or less, an introductory rate as low as 2.74% fixed APR applies for the first twenty-four (24) 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. The maximum APR that may be imposed is 18%. Maximum loan-to-value as high as 90% on credit lines over $100,000, depending on creditworthiness. Maximum loan-to-value as high as 80% on credit lines under $100,000. No closing costs for loan amounts of $100,000 and less except for legal fees, if required. For loan amounts over $100,000, estimated closing costs may range from $1,562 to $2,830. 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.

All product and company names are trademarksTM 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.
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