--- title: "Freedom First Credit Union Rates: Auto 5.99%, CDs to 3.25%" description: "Freedom First Credit Union rates today: auto loans from 5.99% APR, savings & CDs up to 3.25% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Freedom First Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/virginia/freedom-first" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Freedom First Credit Union Rates: Auto 5.99%, CDs to 3.25% ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Model years and mileage limits may apply. Up to 84 months to repay.** auto_any_84mo | 5.990% APR | 5.990% | 84 mo | Standard | | **Fixed rate. Loans up to 90% Loan-to-Value. Up to 180 months to pay.** auto_any_180mo | 7.240% APR | 7.240% | 180 mo | Standard | | **No collateral required. Up to 35 months to repay.** auto_any_35mo | 9.990% APR | 9.990% | 35 mo | Standard | Freedom First Credit Union auto & vehicle rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Credit Cards 13** credit_card | 12.240% APR | 12.240% | — | Standard | | **Business Credit Cards 18** credit_card_business | 13.240% APR | 13.240% | — | Standard | Freedom First Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Checking** checking | 0.10% APY | 0.10% | — | Specialty offer | | **Checking** checking | 0.15% APY | 0.15% | — | Specialty offer | | **$2,499.99** savings | 1.00% APY | 1.00% | — | Standard | | **$9,999.99** savings | 1.04% APY | 1.04% | — | Standard | | **$64,999.99** savings | 3.00% APY | 2.96% | — | Standard | | **$239,999.99** savings | 3.25% APY | 3.20% | — | Standard | Freedom First Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Above** other | 1.000% % | 1.000% | — | Standard | Freedom First Credit Union other rates as of November 12, 2026 Auto loans available from 5.99% APR for 84 months. Credit card rates from 12.24% APR. Savings and certificate yields up to 3.25% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/virginia/freedom-first) , verified from [Freedom First Credit Union's official website](https://www.freedomfirst.com/) Loading branch locator… ## About Freedom First Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 62.9K Assets $1.2B Founded 1956 Locations reported 16 NCUA charter 11111 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products - Payday Alternative Loans I - Payday Alternative Loans II Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Virginia** ROANOKE ADMINISTRATION OFFICE · Roanoke · VA · 24016 About 0.9 miles away](https://rateapi.dev/credit-unions/virginia/virginia) [**Roanoke Valley Community** Main Office · Roanoke · VA · 24016-2123 About 1.0 miles away](https://rateapi.dev/credit-unions/virginia/roanoke-valley-community) [**Infirst** Poff · Roanoke · VA · 24011-2208 About 1.2 miles away](https://rateapi.dev/credit-unions/virginia/infirst) [**Blue Eagle** Hershberger · Roanoke · VA · 24012-2226 About 3.9 miles away](https://rateapi.dev/credit-unions/virginia/blue-eagle) [**Beacon Credit Union, Incorporated** Hershberger Road · Roanoke · VA · 24012-7209 About 3.9 miles away](https://rateapi.dev/credit-unions/virginia/beacon-credit-union-incorporated) [**Valleystar** Roanoke · Roanoke · VA · 24018 About 4.6 miles away](https://rateapi.dev/credit-unions/virginia/valleystar) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Freedom First Credit Union Membership eligibility from Freedom First Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Freedom First Credit Union's website. Check the membership page below to confirm whether you qualify. - Location albemarle, alleghany, amherst, appomattox, augusta, bath, bedford, bland, botetourt, buckingham, craig, floyd, franklin, giles, highland, montgomery, nelson, pulaski, roanoke, rockbridge — VA Verified from [Freedom First Credit Union's membership page](https://www.freedomfirst.com/about-us/who-we-are/membership-eligibility) . Final membership determination is always made by the credit union. ## Membership rules for Freedom First Credit Union Geography 22 counties 185 published paths to membership, last verified November 8, 2026, quoted from Freedom First Credit Union’s own published criteria. ### Geography 32 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified November 8, 2026 - Albemarle County, VA - Alleghany County, VA - Amherst County, VA - Appomattox County, VA - Augusta County, VA - Bath County, VA - Bedford County, VA - Bland County, VA - Botetourt County, VA - Buckingham County, VA - Buena Vista, VA - Charlottesville, VA - Covington, VA - Craig County, VA - Floyd County, VA - Franklin County, VA - Giles County, VA - Highland County, VA - Lexington, VA - Lynchburg City County, VA - Lynchburg, VA - Montgomery County, VA - Nelson County, VA - Pulaski County, VA - Radford, VA - Roanoke City County, VA - Roanoke County, VA - Roanoke, VA - Rockbridge County, VA - Salem, VA - Staunton, VA - Waynesboro, VA “NCUA call report 2026-03-31: TOM_CODE=66 (community charter); branch footprint: Botetourt County, VA; Lynchburg City County, VA; Montgomery County, VA; Roanoke County, VA; Roanoke City County, VA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Show all 32 places Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Freedom First Credit Union? Yes No ## Work at Freedom First Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Freedom First Credit Union ranks against Virginia peers. - See which AI assistants fetched Freedom First Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=freedom-first&state=virginia&code=VA&name=Freedom%20First%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Freedom First Credit Union offer? Freedom First Credit Union currently offers Auto loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Freedom First Credit Union rates updated? RateAPI verifies Freedom First Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Freedom First Credit Union's rate data? Rate data is collected directly from Freedom First Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Freedom First Credit Union's auto loan rates? As of November 12, 2026, Freedom First Credit Union offers auto loans from 5.99% APR. ### What is Freedom First Credit Union's best CD rate? As of November 12, 2026, Freedom First Credit Union offers savings and certificate (CD) yields up to 3.25% APY. ### Who can join Freedom First Credit Union? Freedom First Credit Union publishes its membership criteria on its own website. RateAPI tracks 185 published membership paths covering 22 counties for Freedom First Credit Union, each quoted from Freedom First Credit Union's own published membership criteria. ## Related Rate Data Compare Freedom First Credit Union's rates against national credit-union benchmarks. [More Virginia credit unions](https://rateapi.dev/credit-unions/virginia) [Virginia auto loan rate leaders](https://rateapi.dev/auto-loan-rates/virginia) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.freedomfirst.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Freedom First Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Virginia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Freedom First Credit Union curl "https://api.rateapi.dev/credit-unions/virginia /freedom-first " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Freedom First Credit Union locations Search, filter, and browse all 16 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/virginia/freedom-first Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp