Credit union · NCUA insured
Freedom First CD Rates
Freedom First’s best CD rate is 4.65% APY on a 13-month share certificate (CD). Terms run from 6 months to 13 months. Rates checked October 22, 2026.
How Freedom First’s CD rates compare
Compared with banks and credit unions near Roanoke, VA, where Freedom First has the most branches. $10,000, best rate first.
This credit union’s best
Freedom First
4.65%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $505
13-Month Certificate Special
2nd-highest rate
Beacon Credit Union
4.35%APY
- Term
- 6 months
- Minimum
- $2,500
- Earns on $10,000
- $215
3rd-highest rate
InFirst Federal Credit Union
4.30%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $540
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
13-Month Certificate Special
4.65%APY · 1 term
Requires $5,000 new money from sources other than Freedom First Credit Union. Existing Freedom First Certificates must be within their grace period to renew and meet new money requirements. Upon maturity, 13-month Certificates will automatically renew as 12-month Certificates at prevailing APYs. Substantial penalty for early withdrawal. Valid for consumer accounts only. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsRequires $5,000 new money from sources other than Freedom First Credit Union. Existing Freedom First Certificates must be within their grace period to renew and meet new money requirements. Renews as 12-month certificate at prevailing APY upon maturity. Early withdrawals may incur substantial penalties. Valid for consumer accounts only | 4.65% | $505 |
Sources (1)
- freedomfirst.com/banking/specials · captured Oct 22, 2026
6-Month Certificate Special
4.25%APY · 1 term
Requires $5,000 new money. Minimum Certificate amounts required from sources other than Freedom First Credit Union. Existing Freedom First Certificates must be within their grace period to renew and meet new money requirements. Automatic renewal into standard 6-month Certificate upon maturity. Substantial penalty for early withdrawal. Valid for consumer accounts only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNew money required: $5,000. Existing certificates must be in grace period to renew and meet new money requirements. Renews into standard 6-month certificate at maturity. Substantial penalty for early withdrawal. Valid for consumer accounts only | 4.25% | $210 |
Sources (1)
- freedomfirst.com/banking/specials · captured Oct 22, 2026
Special-purpose accounts
Share Certificates
Up to 1.10%APY · 6 terms
Substantial penalty for early withdrawal. Members are limited to $1,000,000 in Share Certificate balances without prior approval. Rates subject to change without notice. IRAs subject to limitations and/or penalties. Additional rates may be available based on qualification into Private Banking program.
| Term | APY · $500 – $2,500 | APY · $2,500 – $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 0.25% | 0.25% | 0.25% | 0.25%0.25% $500–$2.5k0.25% $2.5k–$10k | $12 |
| 12 months | 0.85% | 0.85% | 0.85% | 0.85%0.85% $500–$2.5k0.85% $2.5k–$10k | $85 |
| 24 months | 0.90% | 0.90% | 0.90% | 0.90%0.90% $500–$2.5k0.90% $2.5k–$10k | $181 |
| 36 months | 1.00% | 1.00% | 1.00% | 1.00%1.00% $500–$2.5k1.00% $2.5k–$10k | $303 |
| 48 months | 1.05% | 1.05% | 1.05% | 1.05%1.05% $500–$2.5k1.05% $2.5k–$10k | $427 |
| 60 months | 1.10% | 1.10% | 1.10% | 1.10%1.10% $500–$2.5k1.10% $2.5k–$10k | $562 |
Sources (1)
- freedomfirst.com/rates · captured Oct 22, 2026
Who can join Freedom First
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person, business, or legal entity who lives, works (or regularly conducts business in), worships, or attends school in Freedom First's service area is eligible for membership.
Membership information collected October 4, 2026.