What are the current interest rates at Freedom First Federal Credit Union?

Current rates for Freedom First Federal Credit Union include: 12-Month CD: 0.85%, 24-Month CD: 0.90%, 60-Month CD: 1.10%, Savings: 0.15%, MMA: 3.35%

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Freedom First Federal Credit Union

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Freedom First Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Freedom First Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Freedom First Federal Credit Union's top rates as of October 9, 2026 are 1.10% APY on its 60-Month Business CD, 0.15% APY on savings, 3.35% APY on money market accounts, 5.00% APY on checking, personal loans from 9.99% APR, and credit cards from 12.24% APR, according to rates verified by MonitorBankRates. Other Freedom First Federal Credit Union CD rates include 60-Month CDs at 1.10%, 48-Month Business CD at 1.05%, and 48-Month CDs at 1.05%. MonitorBankRates evaluates the financial stability of Freedom First Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.69%. Rates last updated and verified on 10/09/2026.

Freedom First Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Freedom First Federal Credit Union? Share your experience about Freedom First Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Freedom First Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.69%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Freedom First Federal Credit Union
Operations - Downtown HQ

207 Bullitt Ave SE
Roanoke, VA 24013

https://www.freedomfirst.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Freedom First Federal Credit Union CD Rates

Product	Rate	APY	Term
60-Month Certificates	1.09%	1.10%	60 months
Min Balance $500 Details Balance: $500 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
60-Month Certificates	1.09%	1.10%	60 months
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
60-Month Certificates	1.09%	1.10%	60 months
Min Balance $10,000 Details Balance: $10,000 and Above Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
48-Month Certificates	1.04%	1.05%	48 months
Min Balance $500 Details Balance: $500 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
48-Month Certificates	1.04%	1.05%	48 months
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
48-Month Certificates	1.04%	1.05%	48 months
Min Balance $10,000 Details Balance: $10,000 and Above Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
36-Month Certificates	1.00%	1.00%	36 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
36-Month Certificates	1.00%	1.00%	36 months
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
36-Month Certificates	1.00%	1.00%	36 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - Above Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
24-Month Certificates	0.90%	0.90%	24 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
24-Month Certificates	0.90%	0.90%	24 months
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
24-Month Certificates	0.90%	0.90%	24 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 and Above Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
12-Month Certificates	0.85%	0.85%	12 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
12-Month Certificates	0.85%	0.85%	12 months
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
12-Month Certificates	0.85%	0.85%	12 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 and Above Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
6-Month Certificate	0.25%	0.25%	6 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
6-Month Certificate	0.25%	0.25%	6 months
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
6-Month Certificate	0.25%	0.25%	6 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 and Above Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%

Freedom First Federal Credit Union Business CD Rates

Product	Rate	APY	Term
60-Month Business Certificate	1.09%	1.10%	60 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
60-Month Business Certificate	1.09%	1.10%	60 months
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
60-Month Business Certificate	1.09%	1.10%	60 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - Above Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
48-Month Business Certificate	1.04%	1.05%	48 months
Min Balance $500 Details Balance: $500 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
48-Month Business Certificate	1.04%	1.05%	48 months
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
48-Month Business Certificate	1.04%	1.05%	48 months
Min Balance $10,000 Details Balance: $10,000 and Above Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
36-Month Business Certificate	1.00%	1.00%	36 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
36-Month Business Certificate	1.00%	1.00%	36 months
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
36-Month Business Certificate	1.00%	1.00%	36 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 and Above Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
24-Month Business Certificate	0.90%	0.90%	24 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
24-Month Business Certificate	0.90%	0.90%	24 months
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
24-Month Business Certificate	0.90%	0.90%	24 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 and Above Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
12-Month Business Certificate	0.85%	0.85%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
12-Month Business Certificate	0.85%	0.85%	12 Months
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
12-Month Business Certificate	0.85%	0.85%	12 Months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - Above Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%

Freedom First Federal Credit Union Savings Rates

Product	Rate	APY
Freedom Dash Youth Savings Account	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000.01 and Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Freedom Dash Youth Savings Account	0.10%	0.10%
Min Balance $2,000 Details Balance: $2,000.01 - $5,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Freedom Dash Youth Savings Account	0.05%	0.05%
Min Balance $500 Details Balance: $500.01 - $2,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Freedom Dash Youth Savings Account	0.01%	0.01%
Min Balance $1 Details Balance: $1 - $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Savings Accounts	0.01%	0.01%
Min Balance $200 Details Balance: $200 - $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Savings Accounts	0.01%	0.01%
Min Balance $5,000 Details Balance: $5,000.01 - $20,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Savings Accounts	0.01%	0.01%
Min Balance $20,000 Details Balance: $20,000.01 - $50,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Savings Accounts	0.01%	0.01%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Savings Accounts	0.01%	0.01%
Min Balance $100,000 Details Balance: $100,000.01 - Above Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%

Freedom First Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	0.01%	0.01%
Min Balance $200 Details Balance: $200 - $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Business Savings	0.01%	0.01%
Min Balance $5,000 Details Balance: $5,000.01 - $20,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Business Savings	0.01%	0.01%
Min Balance $20,000 Details Balance: $20,000.01 - $50,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Business Savings	0.01%	0.01%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Business Savings	0.01%	0.01%
Min Balance $100,000 Details Balance: $100,000.01 Above Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%

Freedom First Federal Credit Union Money Market Rates

Product	Rate	APY
Money Markets	0.25%	0.25%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000 - Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Money Markets	0.05%	0.05%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Money Markets	0.03%	0.03%
Min Deposit $5,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Money Markets	0.01%	0.01%
Min Deposit $5,000 Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%

Freedom First Federal Credit Union Business Money Market Rates

Product	Rate	APY
Indexed Business Money Markets	3.30%	3.35%
Min Balance $240,000 Details Balance: $240,000 - Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Indexed Business Money Markets	3.11%	3.15%
Min Balance $65,000 Details Balance: $65,000 - $239,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Indexed Business Money Markets	2.72%	2.75%
Min Balance $5,000 Details Balance: $5,000 - $64,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%

Freedom First Federal Credit Union Checking Rates

Product	Rate	APY
Freedom Stash Checking	4.89%	5.00%
Details Minimum Direct Deposit: $5,000; Tier: 3; Balance: - - $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Freedom Stash Checking	-	5.00%
Min Balance $10,000 Details Qualifications Required: Monthly Direct Deposit of $5,000 or more; Up to 4 ATM fee refunds per month; Monthly Direct Deposit of $5,000 or more to receive the 5.00% APY on Average Daily Balance (ADB) up to $10,000, 0.15% APY on ADB above $10,000 up to $1,000,000. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Freedom Stash Checking	0.50%	0.50%
Details Minimum Direct Deposit: $1,000; Tier: 1; Balance: - - $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Freedom Stash Checking	-	0.50%
Min Balance $10,000 Details Qualifications Required: Monthly Direct Deposit of $1,000 or more; Up to 4 ATM fee refunds per month; Monthly Direct Deposit of $1,000 or more to receive 0.50% APY on ADB up to $10,000, 0.10% APY on ADB above $10,000 up to $1,000,000. Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 5.00% → 0.50% ▼ 4.50 pts · high 5.00% / low 0.50% Oct 5, 20260.50%▼ from 5.00% Sep 21, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Freedom Stash Checking	0.15%	0.15%
Min Balance $10,000 Details Minimum Direct Deposit: $5,000; Tier: 4; Balance: $10,000.01 - $1,000,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Freedom Stash Checking	0.10%	0.10%
Min Balance $10,000 Details Minimum Direct Deposit: $1,000; Tier: 2; Balance: $10,000.01 - $1,000,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%

Freedom First Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	7.00%	-	7.00%	240 months
Details 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 10/1/2026 is 7.00%. Our current lowest APR for credit lines over $100,000 is 7.00%, which includes + 0.00 margin and for credit lines under $100,000 is 7.50%, which includes + 0.50 margin. HELOC APRs are variable and subject to change. The maximum APR that may be imposed is 18.00%. Maximum loan-to-value as high as 90%, depending on creditworthiness. No closing costs for loan amounts of $100,000 and less except for legal fees, if required. If the HELOC is closed, cancelled, or fully repaid within 36 months, the borrower may be required to reimburse the lender for some or all of the fees and charges incurred at the time of closing. For loan amounts over $100,000, estimated closing costs may range from $1,625 to $2,897. 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. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.25% → 7.00% ▼ 0.25 pts · high 7.50% / low 7.00% Oct 5, 20267.00%▼ from 7.50% Sep 17, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Fixed-Rate Home Equity Loan	-	-	7.24%	180 months
Details Fixed rate. Loans up to 90% Loan-to-Value. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.24% ▲ 0.49 pts · high 7.24% / low 6.75% Oct 2, 20267.24%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Home Equity Line of Credit	-	-	7.50%	Up to 240 months
Details Variable rate. For lines of credit under $100,000. Introductory rate: 5.49% fixed for the first 13 months on qualifying lines of credit. Up to 80% Loan-to-Value. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.00% Oct 9, 20267.50%▲ from 7.00% Oct 5, 20267.00%▼ from 7.50% Sep 17, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%

Freedom First Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Auto/Motorcycle/RVs	-	-	5.99%	Up to 84 months
Details Model years and mileage limits may apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
New and Used Auto/Motorcycle/RVs	8.50%	-	8.50%	72 months
Details Certain restrictions apply. Annual Percentage Rate (APR) varies depending upon credit qualifications and selected terms. All rates are fixed unless otherwise indicated. Loans are subject to credit approval. Maximum loan term is 84 months. An estimated monthly payment of $356 would result for a loan amount of $20,000 at 8.50% for 72 months. Repayment terms may vary depending upon rate and selected terms. No prepayment penalties. APR is subject to change at any time without notice. Please call 866-389-0244 for more information about this product and other services provided by Freedom First Credit Union. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%

Freedom First Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa	-	12.24%
Details Published APR range: 12.24% - 18.00%. APR for Purchases: 12.24% - 18.00%; APR for Balance Transfers: 12.24% - 18.00%; APR for Cash Advances: 14.99% - 18.00% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.99% → 12.24% ▲ 0.25 pts · high 12.24% / low 11.99% Sep 17, 202612.24%▲ from 11.99% Sep 14, 202611.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Business Platinum Visa	-	13.24%
Details Published APR range: 13.24% - 18.00%. Balance Transfer APR: 13.24% - 18.00%; Cash Advance APR: 16.49% - 18.00% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.99% → 13.24% ▲ 0.25 pts · high 13.24% / low 12.99% Sep 17, 202613.24%▲ from 12.99% Sep 14, 202612.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Business Rewards Visa	-	13.24%
Details Published APR range: 13.24% - 18.00%. APR for Balance Transfers: 13.24% - 18.00%; APR for Cash Advances: 16.49% - 18.00% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.99% → 13.24% ▲ 0.25 pts · high 13.24% / low 12.99% Sep 17, 202613.24%▲ from 12.99% Sep 14, 202612.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Rewards Visa	-	13.74%
Details Published APR range: 13.74% - 18.00%. APR for Balance Transfers: 13.74% - 18.00%; APR for Cash Advances: 16.99% - 18.00% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Sep 17, 202613.74%▲ from 13.49% Sep 14, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%

Freedom First Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Personal Loans	9.99%	Up to 35 months
Details No collateral required. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
Unsecured Personal Loans	12.99%	36 months
Details APR may vary depending upon credit qualifications and selected terms. All rates are fixed unless otherwise indicated. An estimated monthly payment of $270 would result for a loan amount of $8,000 at 12.99% for 36 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. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 12.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%

Freedom First Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
EquityFlex Home Loan	7.00%	-	7.00%
Details APR is a variable rate and may change at any time. APR is based on the highest Prime Rate published in the Money Rates table of The Wall Street Journal + a minimum 1.00% margin for the life of loan. Prime Rate as of 10/1/2026 is 7.00%. A payment example for a consumer who finances $10,000 at 10.99% APR with an initial monthly principal and interest payment of $103.15 for the first 60 months. After the initial period the variable rate and payment will adjust every five (5) years and equal the total of the Wall Street Journal Prime Rate plus a minimum margin of 1.00%. Payment amounts do not include taxes and insurance and repayment terms may vary depending upon rate. Actual rates may vary depending upon credit qualifications and selected terms. The minimum amount is $10,000. The maximum loan amount is $250,000. The loan-to-value ratio can be up to 90%. Property insurance and flood insurance, if applicable, must be in effect on the property being secured. Other rates and terms may exist for applications which do not qualify under the aforesaid conditions. Equity Flex Loans are subject to credit approval, verification and collateral evaluation. Consult a tax adviser for further information regarding the deductibility of interest and charges. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 9, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Freedom First Federal Credit Union’s Texas Ratio rose from 2.64% in Q3 2023 to 3.69% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.3B	3.69%	5.0	A+
March 31, 2026	$1.2B	3.04%	5.0	A+
December 31, 2025	$1.2B	3.11%	5.0	A+
September 30, 2025	$1.2B	2.75%	5.0	A+
June 30, 2025	$1.2B	2.87%	5.0	A+
March 31, 2025	$1.2B	2.57%	5.0	A+
December 31, 2024	$1.2B	3.36%	5.0	A+
September 30, 2024	$1.2B	2.57%	5.0	A+
June 30, 2024	$1.2B	2.75%	5.0	A+
March 31, 2024	$1.2B	2.84%	5.0	A+
December 31, 2023	$1.2B	3.00%	5.0	A+
September 30, 2023	$1.1B	2.64%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Freedom First Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Freedom First Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Freedom First Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Freedom First Federal Credit Union

Website https://www.freedomfirst.com

Address 207 Bullitt Ave SE, Roanoke, VA 24013

Phone 540-389-0244

Fax

President Shirley Holland

CEO Linda Johnson

Full-Time Employees 234

Part-Time Employees 5

Branch Locations 15

ATM Locations 13

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.69%

Return on Assets (ROA)

0.2762%

Return on Equity (ROE)

2.6141%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

1,256,866,574

Total Amount of Shares and Deposits

1,002,823,982

Total Shares and Deposits < 1 Year

986,367,145

Total Shares and Deposits 1 3 Years

14,798,827

Total Shares and Deposits > 3 Years

1,658,011

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

183,345,065

Total Uninsured Shares and Deposits > $250K (F+J)

183,898,512

Total Insured Shares and Deposits > $250K (item 17 less item K)

818,925,470

Total Interest Expense (Sum of items 6 8)

11,797,989

Share Certificates

2,397

Number of Accounts for Share Drafts

30,448

IRA KEOGH Accounts

569

Number of Accounts for Regular Shares

71,137

Non Member Deposits

Money Market Shares

2,704

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

41,328,468

Total Liabilities

1,160,596,768

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Freedom First Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Freedom First Federal Credit Union

How many branches does Freedom First Federal Credit Union operate?

Freedom First Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Freedom First Federal Credit Union?

Yes, to access services at Freedom First Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Freedom First Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Freedom First Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Freedom First Federal Credit Union offer online and mobile banking?

Most modern institutions like Freedom First Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.freedomfirst.com.

Current Freedom First Federal Credit Union Rates

12-Month CD0.85%
24-Month CD0.90%
60-Month CD1.10%
Savings0.15%
MMA3.35%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Freedom First Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Freedom First Federal Credit Union Texas Ratio

Freedom First Federal Credit Union Health Trend

Freedom First Federal Credit Union CD Rates

Freedom First Federal Credit Union Business CD Rates

Freedom First Federal Credit Union Savings Rates

Freedom First Federal Credit Union Business Savings Rates

Freedom First Federal Credit Union Money Market Rates

Freedom First Federal Credit Union Business Money Market Rates

Freedom First Federal Credit Union Checking Rates

Freedom First Federal Credit Union Home Equity & HELOC

Freedom First Federal Credit Union Auto Loan Rates

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Freedom First Federal Credit Union Personal Loan Rates

Freedom First Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Freedom First Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Freedom First Federal Credit Union

How many branches does Freedom First Federal Credit Union operate?

Is a member application needed to join Freedom First Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Freedom First Federal Credit Union offer online and mobile banking?

Current Freedom First Federal Credit Union Rates

Compare to Other Credit Unions