Freedom First Credit Union Christiansburg VA | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to Freedom First, your trusted financial partner in the heart of Christiansburg, Virginia! Located at 417 N Franklin St, we have been proudly serving our community since 1956. With a commitment to providing personalized banking solutions, we are here to help you achieve your financial goals. As a member-focused credit union with over 69,000 members, we strive to create a welcoming environment where everyone feels valued. Our assets total an impressive $1,168,696,035, reflecting our strong foundation and dedication to financial stability. We currently offer a wide range of services including checking and savings accounts, auto loans, mortgages, and business banking options. At Freedom First, we understand that trust is built through transparency. That's why we're proud to report total deposits of $36,484,296 and net worth of $112,468,858. With a team of 221 employees, led by our dedicated CEO Paul Phillips and Board President Wayne Strickland, we're always ready to assist you with your banking needs. While you can visit us at our branch in Christiansburg for all your banking needs, please note that official correspondence should be sent to our mailing address: 417 N. Franklin St, Christiansburg, VA 24073. We invite you to explore what makes us unique. From our competitive loan offerings currently totaling 28,459 loans to our robust online banking services designed for your convenience, Freedom First is dedicated to making your financial journey as smooth as possible. Ready to take the next step? Call us at 540-389-0244 or visit our website at Freedom First today! We're excited to help you on your path toward financial success.

Branch History & Mission

A Legacy of Growth

Freedom First started with a simple goal: to provide accessible financial services tailored to the needs of our members. Over the years, we have expanded our offerings significantly, currently boasting total assets of over $1.168 billion. This growth reflects not just our financial strength but also our commitment to fostering strong relationships within the community. Throughout our journey, we have embraced innovation while maintaining a personal touch. We introduced online and mobile banking services to ensure that our members can manage their finances conveniently. Our ATM availability and drive-thru banking further illustrate our dedication to making banking easy and accessible for everyone.

Join Us

While you can visit us at 417 N Franklin St, Christiansburg, VA 24073 for all your banking needs, please note that any official correspondence should be sent to the same address as well. Our dedicated team is here Monday through Friday from 9 AM to 5 PM (and on Saturdays from 9 AM to 12 PM) ready to assist you. If you're looking for a place where your finances are handled with care and respect, consider becoming a member of Freedom First today! Call us at 540-389-0244 or visit our website for more information on membership eligibility and services offered. Experience the benefits of being part of a community-focused credit union that truly cares about your success!

Our Mission

At Freedom First, our mission goes beyond just providing financial services; it's about empowering individuals and strengthening communities. We strive to help our members achieve their financial goals through products like auto loans, mortgages, personal loans, and business banking solutions. Every service we offer is designed with you in mind. We believe in giving back to the community that supports us. Through various partnerships and outreach programs, we aim to make a positive impact on the lives of those around us. Whether it's through financial education workshops or supporting local initiatives, we are committed to being more than just a credit union we want to be an integral part of your journey toward financial well-being.

Branch Location & Accessibility

Welcome to Freedom First in beautiful Christiansburg, VA, where convenience meets community! Located at 417 N Franklin St, our branch is easily accessible for all your banking needs. Whether you're heading to the local shops or visiting nearby landmarks like the Christiansburg Library or the vibrant downtown area, you'll find us just a short drive away. While members can visit us at 417 N Franklin St, official correspondence should be sent to the same address for your convenience. Our location offers ample parking and features designed with accessibility in mind, ensuring everyone can walk in with ease. At Freedom First, we understand that your time is valuable. That's why we offer convenient operating hours: Monday through Friday from 9 AM to 5 PM, with our drive-thru open from 8 AM to 5 PM. On Saturdays, we're here for you from 9 AM to 12 PM. Need to make a quick cash withdrawal? Our ATM is available on-site for added convenience. Our branch also provides essential services such as personal banking including checking and savings accounts auto loans, mortgage options, and credit cards with rewards. Whether you're stopping by for simple transactions or more complex banking needs, our friendly team is ready to assist you. If you have any questions or would like more information, don't hesitate to give us a call at 540-389-0244. We invite you to visit Freedom First today and experience how we can support your financial journey!

Member Eligibility

At Freedom First, we believe that everyone deserves a chance to be part of a caring and supportive community. If you're looking to join us, it's easier than you might think! Membership is open to anyone who lives, works, worships, or attends school in our local area. This means whether you're a lifelong resident or new to the community, we'd love to welcome you. By becoming a member of Freedom First, you gain access to a wide range of financial services designed to meet your needs, from personal banking and loans to online services that make managing your money simple and convenient. To get started on your membership journey, visit us at our branch located at 417 N Franklin St Christiansburg Va 24073, or give us a call at (540) 389-0244 for more information. You can also check out our eligibility criteria in detail by visiting http://www.freedomfirst.com/about-us/who-we-are/membership-eligibility. When you're ready, opening an account is just a click away through our easy online application at https://apply.freedomfirst.com/cu/viewsubmittedloans.aspx?enc=kw21wblm1yxpjjabdozadwvncngeo8n0klsfjprz1ftt3toc2cyouujuzurhtv6f. Join us today and experience the advantages of being part of the Freedom First family!

Business Banking & Commercial Services

Financing Options for Every Business

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $897 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $490,850,324, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

In today's competitive market, effective payment solutions are crucial. Our merchant services allow businesses to accept payments seamlessly, ensuring your customers have a smooth experience while shopping. From point-of-sale systems to online payment options, we equip you with the tools needed to enhance customer satisfaction and increase sales. Located at 417 N Franklin St Christiansburg Va 24073 in Christiansburg, VA, we're here to partner with you on your journey toward success. Reach out today at (540) 389-0244 to discover how our business banking services can empower your enterprise!

Comprehensive List Of Services

Business Banking Services

For local businesses, we offer comprehensive business banking solutions including merchant services and business loans. We believe in supporting our community's entrepreneurs by providing them with the financial tools they need to succeed.

Convenient Access

Our commitment to convenience extends beyond traditional banking hours. With ATM availability for quick withdrawals and balance checks, along with basic drive-thru banking for deposits and simple transactions, managing your finances has never been easier. You can also enjoy peace of mind knowing that our online and mobile banking features allow you to access your accounts anytime, anywhere. From person-to-person payments to e-statements and electronic signatures, we've modernized the banking experience for your convenience.

Get Started Today!

Ready to explore all that Freedom First has to offer? Our friendly team is here to assist you! Call us at 540-389-0244 or visit us at our branch in Christiansburg during lobby hours (Mon-Fri 9-5; Sat 9-12) to learn more about how we can help meet your financial needs. At Freedom First, we are more than just a credit union; we are a community partner dedicated to helping you achieve your financial goals!

Home Financing Solutions

When it comes to homeownership, our mortgage loans and refinancing options are here to support you every step of the way. Our knowledgeable team can guide you through the process, ensuring that you find the best mortgage solution for your situation.

Loans for Every Need

Need some extra cash? Our personal loans and debt consolidation services can help you manage expenses more effectively. We understand that life can throw unexpected costs your way, and we're here to assist you in navigating those challenges. Additionally, our credit cards come with rewards that give back as you spend. Enjoy perks like cash back or travel points while building your credit history.

Personal Banking Services

Our personal banking services are designed to make managing your money easier than ever. We offer checking and savings accounts that can fit any lifestyle. Imagine having the convenience of online and mobile banking right at your fingertips. You can check your balance, transfer funds, and pay bills all from the comfort of your home or on the go. If you're considering a new vehicle, our auto loans and vehicle financing options provide competitive rates that help make car ownership more affordable. Whether you're buying new or used, we are here to help you drive away with confidence.

Digital & Online Banking

Key Features

Our online banking services provide 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills with just a few clicks. Need to send money to a friend? Our person-to-person transfer feature makes it quick and simple. Plus, for those who prefer managing their finances on the go, our mobile application offers all the functionalities of online banking right in your pocket.

Security and Convenience

We prioritize your security with features like electronic signature authorization, ensuring that your transactions are safe and valid. You can also sign up for e-statements, which not only help you stay organized but also reduce paper clutter.

Staying Connected

Whether you're making mobile payments or tracking your spending habits through our user-friendly interface, staying connected with your finances has never been easier. With everything at your fingertips, you can manage your money in real-time without any hassle. Join us at Freedom First and experience the convenience of modern banking tailored to fit your lifestyle. Explore more about our digital offerings by visiting https://www.freedomfirst.com/ today!

Financial Strength

At Freedom First, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We strive to ensure that your money is safe and working hard for you, which is why we are proud to share our financial strength with you. With a net worth of $112,468,858, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.67% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $161,407,250 in share certificates and $311,365,983 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $58,360,552, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. We also have $85,004,767 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $8,416 in used auto loans and $990,578,306 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency shines through with a net income of $1,700,582, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 219 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The strength of our institution is reflected in the trust placed in us by our community, as seen by our growing base of 106,752 total share accounts. This shows that more people are choosing Freedom First as their trusted partner for their financial journey. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Freedom First is your trusted partner. Visit us at 417 N Franklin St Christiansburg Va 24073 or call (540) 389-0244 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've already issued $134,319,351 in used vehicle loans and $37,496,608 in new vehicle loans, helping many members get on the road with confidence. We provide flexible terms and options for refinancing to ensure you can secure the best deal possible.

Business Loans

For business owners looking for capital to grow and expand their operations, our outstanding commercial loans total $490,850,324. We understand that every business has unique needs; therefore, we provide tailored lending solutions that align with your vision for growth.

Conclusion

At Freedom First, we believe in supporting our members through every stage of their financial journey. Our range of loan products ensures that there's something for everyone whether you're buying a car or a home or need assistance with managing expenses. For more information or personalized assistance with any of our loan offerings, feel free to reach out at 540-389-0244 or visit us online at Freedom First. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Credit Lines and Credit Cards

Managing finances can be challenging; that's why we offer total credit lines of $378,455,092 to give you the flexibility you need. Additionally, our unsecured credit card loans amounting to $14,017,837 come with flexible terms tailored to suit your lifestyle. These products are designed to help you navigate day-to-day expenses while building your credit score.

Mortgage Options

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $50,133,916, making it easier than ever to invest in your future. Our team is here to guide you through eligibility options and answer any questions you may have along the way.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that users receive fair and transparent offers when they are looking for a loan. Each lender listed on the platform has been verified, which enhances the reliability of the information presented.

FREEDOM FIRST FEDERAL CREDIT UNION - Christiansburg, VA

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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