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 Freedom First Federal Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Freedom First Federal Credit Union's 60-Month Business CD rates are at 1.10%, 60-Month CDs rates are at 1.10%, 48-Month Business CD rates are at 1.05%, 48-Month CDs rates are at 1.05%, 36-Month Business CD rates are at 1.00%. Freedom First Federal Credit Union's savings rates are at 0.01%. Freedom First Federal Credit Union's money market rates are at 0.00%. Freedom First Federal Credit Union's Personal Loan Rates are at 9.99%. 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 2.75%. Rates last updated and verified on 08/28/2026. 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. Freedom First Federal Credit Union
Operations Downtown HQ 207 Bullitt Ave SE
https://www.freedomfirst.com Roanoke, VA 24013 
Freedom First Federal Credit Union CD Rates
Freedom First Federal Credit Union Savings Rates
Freedom First Federal Credit Union 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
Freedom First Federal Credit Union Credit Card Rates
Freedom First Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
David Lowen
CEO
Paul Phillips
Full-Time Employees
217
Part-Time Employees
6
Branch Locations
15
ATM Locations
13
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.75%
Return on Assets (ROA)
0.4370%
Return on Equity (ROE)
4.0778%
Non-Performing Loans Ratio (NPL)
0.36%
Total Assets
1,176,446,345
Total Amount of Shares and Deposits
986,331,082
Total Shares and Deposits < 1 Year
953,406,722
Total Shares and Deposits 1 3 Years
31,416,208
Total Shares and Deposits > 3 Years
1,508,151
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
186,440,275
Total Uninsured Shares and Deposits > $250K (F+J)
186,898,387
Total Insured Shares and Deposits > $250K (item 17 less item K)
799,432,695
Total Interest Expense (Sum of items 6 8)
18,867,868
Share Certificates
2,412
Number of Accounts for Share Drafts
30,840
IRA KEOGH Accounts
615
Number of Accounts for Regular Shares
70,470
Non Member Deposits
91
Money Market Shares
2,754
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)
28,897,226
Total Liabilities
1,086,101,906
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Freedom First Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Freedom First Federal Credit Union
Frequently Asked Questions About Freedom First Federal Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
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