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Freedom First
Freedom First Credit Union

New Member FAQ

Freedom First
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Why do I need to open a share account when I join?
Your share account represents your ownership in the Credit Union. In order to join the Credit Union, each member opens a primary share account. It functions as a typical savings account, and will earn dividends based on the current Consumer Rates. Your $5 deposit represents your purchase of a share of the Credit Union. Should you decide at some point to close all of your accounts, the $5 will be returned to you.

Why do you call it a membership?
By law, credit unions are required to have a defined field of membership, and only members may access the credit union’s services. Freedom First’s charter is community-based. In order to be a member, one must live, work, worship, contribute to a locally headquartered nonprofit, or go to school in the counties of Botetourt, Craig, Franklin, Montgomery, or Roanoke, or in the cities of Roanoke, Radford, or Salem.

Can my family member join Freedom First?
Yes, an immediate family member may join the Credit Union, regardless of where they live.

Do I lose membership in Freedom First if I move away from the Credit Union’s service area?
No, once you are a member of Freedom First, your membership continues regardless of where you reside. However, if you close all of your accounts with Freedom First, you must meet the geography-based requirements in order to become a member again.

What is my member number?
Your member number is a 13 digit number, and is a way for the Credit Union to identify you and your accounts.

How do I find out what my member number is?
Your member number should have been written on the wallet card and provided to you when you opened your account. If you have misplaced or did not receive your wallet card, you can find your member number on your monthly statements (paper or electronic), at the bottom of your checks, or from within Online Banking. You can also get your member number by visiting a branch. For security reasons, member numbers are not given over the phone.

What is Freedom First’s routing number?
The Freedom First routing number is 251483023.

If I am a member, how much does it cost to cash a check?
Check cashing fees only apply in certain conditions for members. Please refer to the Consumer Fee Schedule for the current Check Cashing Fee and when it applies.

If I am a member, is there a teller transaction fee?
There is no teller transaction fee.

How do I get a cashier’s check?
Cashier’s checks, also referred to as official checks, are available in all branches during lobby hours. Official checks and money orders are not distributed in the drive-thru. Please refer to the Consumer Fee Schedule for the current fee for an Official Check.

Do you have safety deposit boxes?
Yes, we offer safety deposit boxes at the Salem and Crossroads branches in the Roanoke Valley, and at the South Main branch in the New River Valley. Annual fees are based on the size of the box. Please see a personal banker or refer to the Consumer Fee Schedule for details.

Do you have traveler’s checks?
No, we do not offer traveler’s checks.

Do you offer telephone banking?
Yes, members may enroll in AMIE (Automated Member Information Express) by calling the Contact Center at 540-389-0244 (toll free 866-389-0244). You will be provided a temporary PIN number to enter when calling AMIE for the first time, and will be prompted to enter a new PIN you select. From your telephone, you will be able to check the balance of your accounts, check the account history, transfer funds between accounts, transfer money from savings or checking to make a loan payment, review check clearing; and obtain information on interest paid and dividends received.

Do you offer online banking?
Yes, members can access all of their accounts via online banking. You may enroll in Online Banking on our website (refer to video for how to enroll) or by visiting a branch convenient to you.

Do you offer mobile banking?
Yes, members can access all of their account via our mobile banking apps. The FFCU Mobile app is available in both iTunes and Android stores.

Do you have other member benefits?
Yes, members can access the additional following benefits:

  • Free notary services are available at each branch. Please bring a valid photo ID and your unsigned documents. Please note that we cannot also be your witness when notarizing your signature.

  • Discounted movie tickets are provided to members. Please see a teller for details and theater locations, as they may have changed since your last visit.


  • Silver Club membership is offered to members who are 55 or older. Silver Club members may receive:
    • 4 free boxes of standard checks per year
    • Free Money Orders
    • An additional 0.10% on non-promotional certificate rates
    • Free official checks if the member has at least $2,500 in deposits or loans with Freedom First (not including Visa credit card balances)
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