Take a look at our certificate, money market, credit card, and home equity specials below.
Certificates
6-Month Certificates at 4.00% APY1
Looking for a shorter term but still want steady dividends? Our 6-month certificate special may be a great fit for you! Both individuals and businesses can take advantage of this special offer.
| Tier | APY | New Money Required |
|---|---|---|
| $5,000-$1,000,000 | 4.00% | $5,000 |
Call 540-389-0244 or Visit a Branch to Open a Special 6-Month Certificate!
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13-Month Certificates at 3.55% APY1
Looking to lock in your earnings for a year? Our 13-month certificate special may be a great fit for you!
| Tier | APY | New Money Required |
|---|---|---|
| $5,000-$1,000,000 | 3.55% | $5,000 |
Money Markets
Money Markets at 3.25% APY Guaranteed for 3 Months2
Keep your money easily accessible while also enjoying higher dividends. With just $5,000, you can open a special money market account today!
| Tier | APY | New Money Required |
|---|---|---|
| $5,000-$1,000,000 | 3.25% | $5,000 |
Business Money Markets at 3.75% APY Guaranteed for 3 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!
| Tier | APY | New Money Required |
|---|---|---|
| $25,000-$1,000,000 | 3.75% | $25,000 |
Call 540-389-0244 or Visit a Branch to Open a Special Business Money Market Today!
Credit Cards
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Freedom First Rewards Visa®: 3X Rewards on Airlines & Hotels3
Get rewarded for your travel plans! With a Freedom First Rewards Visa® or Business Rewards Visa®, you'll earn 3 points for every $1 spent on airlines & hotels.
Rack up extra rewards while you plan your summer vacation. Don't miss out on these bonuses!
Call 540-389-0244 or visit a branch to apply for a Business Rewards Visa®!
Freedom First Platinum Reserve Rewards Visa®: 5X Rewards on Hotels & Airlines3
Get rewarded for your travel plans! With a Freedom First Private Reserve Rewards Visa®, you'll earn 5 points for every $1 spent on airlines & hotels.
Rack up extra rewards while you plan your summer vacation. Don't miss out on these bonuses!
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.
Disclosures:
1APY (Annual Percentage Yield) as of 4/1/26. 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, 6-month Certificates will automatically renew as 6-month Certificates and 13-month Certificates will automatically renew as 12-month Certificates at the prevailing APYs for those terms respectively. Early withdrawals may incur substantial penalties. This limited time offer is available for consumer accounts only and is subject to change at any time without notice. Fees may reduce earnings. See account opening disclosures for additional details.
2APY (Annual Percentage Yield) as of 4/1/26. 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 3 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.
3 Terms and conditions are subject to change at any time. Promotional period runs from 4/1/2026 through 6/30/2026 and only applies to purchases made at select Hotels and Airlines. During the promotional period, earn 3 Rewards points per $1 spent with your Freedom First Rewards Visa® or Business Rewards Visa®, and earn 5 Rewards points per $1 spent with your Freedom First Private Reserve Visa®. Vacation rentals such as AirBnB, VRBO, or other services may not be eligible. Purchases must be made 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. 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.