Credit union · NCUA insured
Freedom First Credit Card Rates
Freedom First credit cards start at 12.24% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Freedom First’s credit card rates compare
Compared with banks and credit unions near Roanoke, VA, where Freedom First has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Freedom First
12.24%APR
- Up to
- 18.00% APR
Platinum Credit Card
Lowest rate
Beacon Credit Union
8.00%APR
- Up to
- —
2nd-lowest rate
National Bank of Blacksburg
9.00%APR
- Up to
- —
Freedom First credit card score
71
Credit card score
Higher than 29% of U.S. banks and credit unions
- Purchase APRPurchase APR12.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Freedom First ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Freedom Private Reserve Credit Card
Also referred to as Platinum Reserve Rewards Visa or Private Reserve Rewards Visa. Available through Private Banking. No annual fee or application fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.74%–18.00% | None | Standard variable APR for purchases depending on credit history; varies with market based on Prime Rate. |
| Intro, 12 months | 0.00% | None | Introductory APR for purchases for 12 months from date of account opening; after that, standard APR of 13.74% to 18.00% depending on credit history. |
Sources (2)
All captured Oct 7, 2026
Platinum Credit Card
Applicant must live/work/go to school in eligible areas in Virginia and meet creditworthiness qualifications. No annual fee or application fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.24%–18.00% | None | Standard variable APR for purchases depending on credit history; varies with market based on Prime Rate. |
| Intro, 12 months | 0.00% | None | Introductory APR for 12 billing cycles / 12 months from account opening on balance transfers made within the first 60 days of account opening for newly opened cards; reverts to standard variable APR of 12.24% to 18.00%. Subject to $5 balance transfer fee. |
Rewards Credit Card
Also referred to as Rewards Visa or Platinum Rewards Credit Card in disclosures. Applicant must live/work/go to school in eligible areas in Virginia and meet creditworthiness qualifications. No annual fee or application fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.74%–18.00% | None | Standard variable APR for purchases depending on credit history; varies with market based on Prime Rate. |
| Intro, 12 months | 0.00% | None | Introductory APR for purchases for the first 12 billing cycles / 12 months from account opening for new cardholders; after intro period, standard variable APR of 13.74% to 18.00% applies. |
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.