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Freedom First Credit Union

Freedom First Credit Union
Where People Bank For Good. Serving the Roanoke and New River Valleys since 1956.
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Recent Posts

Freedom First Credit Union What Do I Need to Know About the Advance Child Tax Credit Payments?

Q: I’ve heard that the IRS will start making advance payments toward the Child Tax Credit of 2021 this summer. What do I need to know about these payments?

A: The advance payments of the Child Tax Credits of 2021 will be distributed monthly to eligible families, beginning on July 15, 2021. Here’s what you need to know about these payments.


Freedom First Credit Union Should I Sell My House Now?

Q: Is 2021 a good time to sell my home?

A: While it appears to be a seller’s market, and the perfect time to put your home up for sale, there are many variables to consider before going forward. Below, we’ve outlined important points to know about today’s market so you can make an informed decision about selling your home in 2021. 


Freedom First Credit Union When Is the Best Time to Refinance a Mortgage?

If you’re a homeowner, you’ve probably thought about refinancing your mortgage at some point. After all, home loans are long-term, usually ranging from 10 to 30 years. A great deal can happen in that time, including interest rates dropping, your home value increases, the introduction of new loan types, among other market changes.

While refinancing your mortgage may seem to be extra work for you, lowering your interest rate by just 1 percent on a 30-year mortgage could save you thousands of dollars. Perhaps you’re in the position to pay off your loan quicker and want to reduce your term. There are many perks to refinancing we will discuss in this article.


Freedom First Credit Union How a Credit Card Balance Transfer Works

Credit card debt is one of those things that can easily sneak up on you. This can especially be the case when you have high-interest credit cards in your wallet. Luckily, there’s a strategy you can use to get your credit card debt back under control and save money at the same time called a balance transfer.


Freedom First Credit Union Planning Your Perfect Vacation

A family vacation, or even a trip alone, is a great way to clear your mind, reset, and make priceless memories. Of course, it often comes with the anxiety of crafting the perfect vacation at the best price. Below we will discuss how to make planning your ideal vacation a breeze while saving money in the process. 


Freedom First Credit Union Why You Should Finance Your Next Car Loan at a Credit Union

When shopping for a new set of wheels, your first stop should be at a credit union, like Freedom First. Though many people start their process on the dealer’s lot, you’ll enjoy a lower rate, a simpler loan application and other benefits by choosing to finance your car with Freedom First.

This is why people are increasingly choosing to finance their cars directly through credit unions. In fact, auto loans comprise more than a third of all the active loans across the 5,600 credit unions in the U.S.

Let’s take a look at the differences in the auto loan process at a car dealership versus Freedom First.


Freedom First Credit Union It’s Quick & Easy to Refinance Your Auto Loan

Is your car payment consistently throwing off your budget? Do you long for an interest rate that doesn’t feel like you’re throwing away money each month? If so, refinancing your auto loan may be the perfect solution. It’s a quick and easy process that could instantly put more money back in your pocket.

Let’s review what auto refinancing is and how to decide if it’s right for you.


Freedom First Credit Union Membership Has Its Perks

It may seem like joining a credit union is the same as opening an account at a bank, but that’s not true. The biggest difference between a bank and a credit union is profits. Banks focus on building profits for their investors, while not-for-profit credit unions invest that money in you. Here are a few perks you get as a credit union member with Freedom First.


Freedom First Credit Union The Truth About 0% Auto Loans

Buying a new car is exciting. All the way up until talking price with the dealer. This is where confusion sets in, and excitement quickly turns into frustration. You think you’re getting a good deal, but are you?

One of the most misleading promotions you find at dealerships is the 0% APR offer. Paying no interest sounds great. You could save a bundle of money. So how can it not be the best decision? Let’s have a look comparing the 0% APR offer vs. a Cash Back Offer.


Freedom First Credit Union What Not To Do With Your IRS Tax Refund

When you receive your tax refund, learning how to spend it wisely is your best bet. But you should also learn some of the ways you shouldn't be using it. Below, we've provided you with ideas on how to use your IRS tax refund and some ways you should avoid.


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