Credit union · NCUA insured
Freedom First Savings Rates
Freedom First’s best savings rate is 3.25% APY on $10,000, with its Special Money Market. Rates checked October 22, 2026.
How Freedom First’s savings 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
3.25%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $325
Special Money Market
Top rate
Beacon Credit Union
4.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $400
3rd-highest rate
American Partners Federal Credit Union
3.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $300
Freedom First savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0003.25%
- $100,000 balance$100,0003.25%
- QualifiedQualified3.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Freedom First ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special Money Market
3.25%APY
For consumer accounts only. Promotional rate guaranteed for 6 months after meeting qualifying requirements, after which dividends return to prevailing APYs. Minimum opening amount of $5,000 must come from sources other than Freedom First Credit Union. If Average Daily Balance falls below $5,000, Dividend Rate and APY become 0.01%. $5 membership deposit required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $1,000,000Guaranteed for 6 months after meeting qualifying requirements. New money required: $5,000 from sources other than Freedom First Credit Union. If Average Daily Balance falls below $5,000, Dividend Rate and APY become 0.01%. Consumer accounts only.$5,000 – $1,000,000 | 3.25% | $325 | Guaranteed for 6 months after meeting qualifying requirements. New money required: $5,000 from sources other than Freedom First Credit Union. If Average Daily Balance falls below $5,000, Dividend Rate and APY become 0.01%. Consumer accounts only. |
Sources (1)
- freedomfirst.com/banking/specials · captured Oct 4, 2026
Insurance Shares
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $5,000Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. | 0.01% | — | Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. |
| $5,000 – $20,000Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | $1 | Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $20,000 – $50,000Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $50,000 – $100,000Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| Over $100,000Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
Sources (1)
- freedomfirst.com/rates · captured Sep 19, 2026
Life Savings Shares
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $5,000Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. | 0.01% | — | Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. |
| $5,000 – $20,000Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | $1 | Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $20,000 – $50,000Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $50,000 – $100,000Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| Over $100,000Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
Sources (1)
- freedomfirst.com/rates · captured Sep 19, 2026
Primary Share
0.01%APY
A one-time $5 deposit is required by Credit Union Bylaws for membership (returned if account is closed). Serves as member's share in ownership of the credit union.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $5,000Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. | 0.01% | — | Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. |
| $5,000 – $20,000Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | $1 | Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $20,000 – $50,000Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $50,000 – $100,000Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| Over $100,000Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
Sources (3)
- freedomfirst.com/banking/savings
- freedomfirst.com/banking/savings/primary-and-secondary
- freedomfirst.com/rates
All captured Sep 19, 2026
Secondary Savings
0.01%APY
Optional secondary savings account for existing members.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $5,000Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. | 0.01% | — | Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. |
| $5,000 – $20,000Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | $1 | Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $20,000 – $50,000Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $50,000 – $100,000Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| Over $100,000Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
Sources (3)
- freedomfirst.com/banking/savings
- freedomfirst.com/banking/savings/primary-and-secondary
- freedomfirst.com/rates
All captured Sep 19, 2026
Trust Accounts
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $5,000Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. | 0.01% | — | Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. |
| $5,000 – $20,000Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | $1 | Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $20,000 – $50,000Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $50,000 – $100,000Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| Over $100,000Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
Sources (1)
- freedomfirst.com/rates · captured Sep 19, 2026
Special-purpose accounts
Freedom Dash Youth Savings
0.15%APY
For children under 18. Must have a joint owner over 18; only the child's parent or legal guardian can sign on behalf of the child. Minor has full rights to withdraw. Upon 18th birthday, account automatically converts to a Regular Share Account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Tier 1. | 0.01% | — | Tier 1. |
| $500 – $2,000Tier 2. | 0.05% | — | Tier 2. |
| $2,000 – $5,000Tier 3. | 0.10% | — | Tier 3. |
| Over $5,000Tier 4. | 0.15% | $15 | Tier 4. |
Sources (3)
All captured Sep 19, 2026
Christmas Club
0.01%APY
Balance is transferred to the Primary Share Account on October 20th of each year. Limited to 3 withdrawals per year.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $5,000Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. | 0.01% | — | Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. |
| $5,000 – $20,000Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | $1 | Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $20,000 – $50,000Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $50,000 – $100,000Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| Over $100,000Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
Sources (3)
- freedomfirst.com/banking/savings
- freedomfirst.com/banking/savin…ation-and-christmas-club
- freedomfirst.com/rates
All captured Sep 19, 2026
IRA Accounts
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $5,000Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. | 0.01% | — | Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. |
| $5,000 – $20,000Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | $1 | Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $20,000 – $50,000Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $50,000 – $100,000Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| Over $100,000Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
Sources (1)
- freedomfirst.com/rates · captured Sep 19, 2026
Vacation Club
0.01%APY
Balance is transferred to the Primary Share Account on May 20th of each year. Limited to 3 withdrawals per year.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $5,000Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. | 0.01% | — | Tier 1. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. No dividend paid if ADB is below $200. |
| $5,000 – $20,000Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | $1 | Tier 2. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $20,000 – $50,000Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 3. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| $50,000 – $100,000Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 4. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
| Over $100,000Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. | 0.01% | — | Tier 5. Dividends calculated using Average Daily Balance (ADB) and Tier A dividend method; paid and compounded monthly. |
Sources (3)
- freedomfirst.com/banking/savings
- freedomfirst.com/banking/savin…ation-and-christmas-club
- freedomfirst.com/rates
All captured Sep 19, 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.