Take a look at our certificate, credit card, and home equity specials below.
Certificates
6-Month Certificates at 4.15% APY1
Looking for a shorter term but still want steady dividends? Our 6-month certificate special may be a great fit for you!
| Tier | APY | New Money Required |
|---|---|---|
| $5,000-$1,000,000 | 4.15% | $5,000 |
Call 540-389-0244 or Visit a Branch to Open a Special 6-Month Certificate!
1APY (Annual Percentage Yield) as of 9/18/25. 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 APYs for those terms. Early withdrawals may incur substantial penalties. This limited time offer is subject to change at any time without notice. Fees may reduce earnings.
Credit Cards
2025 Bonus Rewards on Your Freedom First Rewards Visa®1
Did you know that every quarter, you get bonus rewards on your Freedom First Rewards Visa® credit card? Take a look and plan ahead to maximize your rewards in 2025!
- October 1 - December 31, 2025: 4 Rewards points for every $1 spent on all purchases2
2025 Bonus Rewards on Your Freedom First Business Rewards Visa®1
Did you know that every quarter, you get bonus rewards on your Freedom First Business Rewards Visa® credit card? Take a look and plan ahead to maximize your rewards in 2025!
- October 1 - December 31, 2025: 4 Rewards points for every $1 spent on all purchases2
Call 540-389-0244 or visit a branch to apply!
2025 Bonus Rewards on Your Freedom First Platinum Reserve Rewards Visa®1
Did you know that every quarter, you get bonus rewards on your Freedom First Private Reserve Rewards Visa® credit card? Take a look and plan ahead to maximize your rewards in 2025!
- October 1 - December 31, 2025: 5 Rewards points for every $1 spent on all purchases3
Holiday Special for Platinum Visa®: 8.99% APR on All Purchases1
When you use your Freedom First Platinum Visa® between 11/1/2025 - 12/31/2025, you can enjoy only 8.99% APR on all purchases!4 That's less than half the rate of the average credit card on the market - and just in time for holiday shopping.
Holiday Special for Business Platinum Visa®: 8.99% APR on All Purchases1
When you use your Freedom First Business Platinum Visa® between 11/1/2025 - 12/31/2025, you can enjoy only 8.99% APR on all purchases!4 That's less than half the rate of the average credit card on the market - and just in time for the hustle and bustle of closing out the year.
Call 540-389-0244 or visit a branch to apply!
Disclosures:
1 Credit 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. Purchases must be made during the promotional period 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. Contact Freedom First Credit Union at (540) 389-0244 for additional information on all of our loan products.
2 Earn 4 Rewards points per $1 spent using the Freedom First Rewards Visa or Business Rewards Visa from 10/1/2025 (or the date on which you activate your Rewards Credit Card, whichever is later) through 12/31/2025.
3 Earn 5 Rewards points per $1 spent using the Freedom First Private Reserve Visa from 10/1/2025 (or the date on which you activate your Rewards Credit Card, whichever is later) through 12/31/2025.
4 APR (Annual Percentage Rate), terms, and conditions are subject to change at any time. 8.99% APR applies only to purchases made with your Freedom First Platinum Visa or Business Platinum Visa credit card between 11/1/2025 and 12/31/2025 and will continue at this promotional rate until the principal on those charges are paid. All other charges will be at your regular prevailing APR. The prevailing APR is based on the applicant’s creditworthiness and will vary with the market based on the Prime Rate. 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
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).
*Certain restrictions apply. Find the full terms and conditions, or check rates.