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!


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!

  • January 1 - March 31, 2025: 3 Rewards points for every $1 spent at Grocery Stores2
  • April 1 - June 30, 2025: 3 Rewards points for every $1 spent at Gas Stations & on Rental Cars3
  • July 1 - September 30, 2025: 3 Rewards points for every $1 spent on Hotels & Airlines4
  • October 1 - December 31, 2025: 3 Rewards points for every $1 spent on Amazon.com™ 5

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!
 
  • January 1 - March 31, 2025: 3 Rewards points for every $1 spent at Office Supply Stores6
  • April 1 - June 30, 2025: 3 Rewards points for every $1 spent at Home Improvement Stores7
  • July 1 - September 30, 2025: 3 Rewards points for every $1 spent at Gas Stations & on Rental Cars8
  • October 1 - December 31, 2025: 3 Rewards points for every $1 spent on Amazon.com™ 9

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!

  • January 1 - March 31, 2025: 5 Rewards points for every $1 spent at Grocery Stores10
  • April 1 - June 30, 2025: 5 Rewards points for every $1 spent at Gas Stations & on Rental Cars11
  • July 1 - September 30, 2025: 5 Rewards points for every $1 spent on Hotels & Airlines12
  • October 1 - December 31, 2025: 5 Rewards points for every $1 spent on Amazon.com™ 13


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 Promotional period runs from 1/1/2025 through 3/31/2025 and only applies to purchases made at Grocery Stores. During the promotional period, earn 3 Rewards points per $1 spent with your Freedom First Rewards Visa. Grocery Store purchases include those made at supermarkets, meat lockers, bakeries, smaller grocery stores, and grocery delivery services. All purchases made at Walmart, Target, convenience stores, wholesale clubs, discount stores, and supercenters are not eligible.
 
3 Promotional period runs from 4/1/2025 through 6/30/2025 and only applies to purchases made at Gas Stations (stand-alone) or at Rental Car Agencies. During the promotional period, earn 3 Rewards points per $1 spent with your Freedom First Rewards Visa on qualified purchases. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Rental car purchases apply to those made with merchants that rent vehicles for the purpose of driver and passenger transportation. Car rentals not booked directly with the car rental agency will not qualify; for example, car rentals purchased through travel agencies, discount travel sites, vacation clubs, tour operators, or as part of a package offered by merchants such as cruise lines and railways. Merchants that provide RV rentals or vehicle rentals for the purpose of hauling are not included in this category.
 
4 Promotional period runs from 7/1/2025 through 9/30/2025 and only applies to purchases made at Hotels and Airlines. During the promotional period, earn 3 Rewards points per $1 spent with your Freedom First Rewards Visa. Vacation rentals such as AirBnB, VRBO, or other services may not be eligible.
 
5  Earn 3 Rewards points per $1 spent on Amazon.com™ from 10/1/2025 (or the date on which you activate your Rewards Credit Card, whichever is later) through 12/31/2025. Amazon.com purchases include those made through the Amazon.com checkout, like digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals, Amazon Prime subscriptions and items sold by third party merchants through Amazon.com’s marketplace. Also includes in-store at Amazon Go, Amazon Bookstore, and Amazon 4-Star. 
 
6 Promotional period runs from 1/1/2025 through 3/31/2025 and only applies to purchases made at Office Supply stores. During the promotional period, earn 3 Rewards points per $1 spent with your Freedom First Business Rewards Visa. Office supply store purchases include those made at merchants classified as places that sell office supplies, such as Office Max, Staples, and other specialty stores. All purchases made at Walmart, Target, convenience stores, wholesale clubs, discount stores, and supercenters are not eligible.
 
7 Promotional period runs from 4/1/2025 through 6/30/2025 and only applies to purchases made at Home Improvement stores. During the promotional period, earn 3 Rewards points per $1 spent with your Freedom First Business Rewards Visa. Home improvement store purchases include those made at merchants classified as places that sell home improvement merchandise, such as Home Depot, Lowes, and other specialty stores. All purchases made at Walmart, Target, convenience stores, wholesale clubs, discount stores, and supercenters are not eligible.
 
8 Promotional period runs from 7/1/2025 through 9/30/2025 and only applies to purchases made at Gas Stations (stand-alone) or at Rental Car Agencies. During the promotional period, earn 3 Rewards points per $1 spent with your Freedom First Business Rewards Visa on qualified purchases. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Rental car purchases apply to those made with merchants that rent vehicles for the purpose of driver and passenger transportation. Car rentals not booked directly with the car rental agency will not qualify; for example, car rentals purchased through travel agencies, discount travel sites, vacation clubs, tour operators, or as part of a package offered by merchants such as cruise lines and railways. Merchants that provide RV rentals or vehicle rentals for the purpose of hauling are not included in this category.

9 Earn 3 Rewards points per $1 spent on Amazon.com™ from 10/1/2025 (or the date on which you activate your Business Rewards Credit Card, whichever is later) through 12/31/2025. Amazon.com purchases include those made through the Amazon.com checkout, like digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals, Amazon Prime subscriptions and items sold by third party merchants through Amazon.com’s marketplace. Also includes in-store at Amazon Go, Amazon Bookstore, and Amazon 4-Star. 
 
10 Promotional period runs from 1/1/2025 through 3/31/2025 and only applies to purchases made at Grocery Stores. During the promotional period, earn 5 Rewards points per $1 spent with your Freedom First Private Rewards Visa. Grocery Store purchases include those made at supermarkets, meat lockers, bakeries, smaller grocery stores, and grocery delivery services. All purchases made at Walmart, Target, convenience stores, wholesale clubs, discount stores, and supercenters are not eligible.
 
11 Promotional period runs from 4/1/2025 through 6/30/2025 and only applies to purchases made at Gas Stations (stand-alone) or at Rental Car Agencies. During the promotional period, earn 5 Rewards points per $1 spent with your Freedom First Private Reserve Visa on qualified purchases. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Rental car purchases apply to those made with merchants that rent vehicles for the purpose of driver and passenger transportation. Car rentals not booked directly with the car rental agency will not qualify; for example, car rentals purchased through travel agencies, discount travel sites, vacation clubs, tour operators, or as part of a package offered by merchants such as cruise lines and railways. Merchants that provide RV rentals or vehicle rentals for the purpose of hauling are not included in this category.
 
12 Promotional period runs from 7/1/2025 through 9/30/2025 and only applies to purchases made at Hotels and Airlines. During the promotional period, 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.

13 Earn 5 Rewards points per $1 spent on Amazon.com™ from 10/1/2025 (or the date on which you activate your Private Reserve Rewards Credit Card, whichever is later) through 12/31/2025. Amazon.com purchases include those made through the Amazon.com checkout, like digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals, Amazon Prime subscriptions and items sold by third party merchants through Amazon.com’s marketplace. Also includes in-store at Amazon Go, Amazon Bookstore, and Amazon 4-Star. 
EquityFlex - no closing costs or appraisal fee for loans under $100,000*

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.









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