Freedom First Credit Union Lynchburg VA | Top Auto Loans & Business Banking

Introduction

Welcome to Freedom First, your trusted partner in financial services located at 2102 Langhorne Rd, Lynchburg, VA 24501. Since our establishment in 1956, we have proudly served our community, growing to a membership of 69,029 dedicated individuals who trust us with their financial needs. With total assets of over $1.16 billion and deposits reaching approximately $36.48 million, we are committed to providing exceptional banking solutions tailored just for you. At Freedom First, we understand that every member's journey is unique. That's why we offer a wide range of services including personal banking, auto loans, mortgage financing, and business banking solutions. Our current leadership team, headed by CEO Paul Phillips and Board President Wayne Strickland, focuses on fostering a welcoming environment where you can feel confident about your financial decisions. While members can visit us at our Lynchburg branch, official correspondence should be sent to our mailing address at 5240 Valleypark Drive, Roanoke, VA 24019. Whether you're looking for assistance with loans over 28,459 loans have been issued or simply want to explore our online banking options, we're here to help. Your financial well-being is our priority. We invite you to experience the friendly service and expertise that sets Freedom First apart. Feel free to reach out to us at 540-389-0244 or visit our website at freedomfirst.com to learn more or start your membership journey today!

Branch History & Mission

Community Engagement and Innovation

As part of our ongoing evolution, Freedom First embraces digital advancements to enhance member experience. We offer online and mobile banking options that ensure convenience and accessibility for all our members. Our facilities are designed with ADA compliance in mind, ensuring that everyone can access our services comfortably. We also prioritize personal interactions through various channels. Our drive-thru banking offers ease of access for quick transactions without leaving your car. With ATMs available nearby, managing finances has never been simpler.

Join Us

As we look forward to the future, we invite you to become part of the Freedom First family. Experience firsthand how we combine financial expertise with genuine care for our community. Visit us today or explore membership options through our website and discover all the benefits waiting for you at Freedom First! If you have any questions or need assistance, feel free to call us at 540-389-0244. Together, let's build a brighter financial future!

Our Mission

At the heart of Freedom First is our mission: to empower individuals and families by providing exceptional financial services while fostering a sense of community. We believe that everyone deserves access to financial resources that help them thrive. From personal banking solutions like checking accounts and auto loans to business banking services, we strive to meet the diverse needs of those we serve. Our commitment extends beyond mere transactions; we actively engage in community outreach efforts aimed at supporting local initiatives and fostering partnerships that make a difference. Whether it's helping members navigate financial challenges or contributing to local causes, we stand firm in our belief that a strong community is built on mutual support.

Branch Location & Accessibility

Welcome to Freedom First, your trusted credit union located at 2102 Langhorne Rd in Lynchburg, VA! Our branch is conveniently situated near popular landmarks, making it easy for you to stop by. Whether you're heading to the local parks or running errands in the area, we're just a quick visit away. At Freedom First, we understand that accessibility matters. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can easily access our services. Plus, there's ample parking available right outside for your convenience. We pride ourselves on providing excellent service during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. Our drive-thru service is open until 6 PM on Fridays and available on Saturdays as well, making it even easier for you to manage your banking needs without stepping inside. Additionally, we offer ATM services at our branch, allowing you to withdraw cash or check balances at any time. If you're looking for a range of financial products from checking and savings accounts to auto loans and mortgages our friendly staff is ready to assist you with all your banking needs. While members can visit us at 2102 Langhorne Rd for in-person assistance, please direct any official correspondence to our mailing address at 5240 Valleypark Drive, Roanoke, VA 24019. Feel free to call us at 540-389-0244 if you have any questions or need further assistance. We look forward to welcoming you into our Freedom First family!

Member Eligibility

Joining the Freedom First family is more than just opening an account; it's stepping into a community that values your financial journey. To become a member at Freedom First, you simply need to meet a few friendly eligibility criteria. Whether you live, work, worship, or attend school in certain areas of Virginia, you're likely to qualify! It's as easy as that. If you're curious about the specifics, feel free to check out our detailed eligibility information here. Once you know you're eligible, opening an account is straightforward and welcoming. You can start your application online anytime by visiting our account opening page here. If you have any questions during the process or need assistance, don't hesitate to give us a call at 540-389-0244. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine a busy restaurant where customers can pay seamlessly while you manage your kitchen operations. Our merchant services simplify transactions, making it easier for your customers to make purchases. From credit card processing to mobile payments, we equip you with the tools needed for efficient sales management. Located at 2102 Langhorne Rd Lynchburg Va 24501 in Lynchburg, VA, we invite you to explore how our business banking solutions can empower your enterprise. For more information or to speak with one of our representatives, call us at (540) 389-0244. Let's work together towards your business goals!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and business owners in Lynchburg, we provide essential business banking services including merchant services and business loans. We know how challenging running a business can be; that's why we're here to support your financial journey with resources that can help you grow.

Call Us Today!

Ready to explore how Freedom First can meet your financial needs? Give us a call at 540-389-0244 or visit us today at 2102 Langhorne Rd, Lynchburg, VA 24501. Our friendly team is eager to assist you with any questions or services you may need! Don't forget to check out our website at Freedom First for more information about what we offer!

Convenient Access Options

We pride ourselves on making banking accessible for everyone. Our branch offers ATM services where you can withdraw cash or check balances without stepping inside. Plus, our drive-thru service allows for quick deposits and withdrawals during busy days.

Credit Cards That Reward You

With our credit cards featuring rewards programs, every purchase brings you closer to earning benefits like cash back or travel rewards. Whether you're shopping for groceries or planning a vacation, our credit cards are designed to give you more value.

Loans for Every Need

When it comes to financing your dreams, we offer a variety of loan products to suit your needs. Looking for a new vehicle? Our auto loans and vehicle financing options make purchasing or refinancing a breeze. If you're considering buying a home, our mortgage loans come with competitive rates and terms that can be customized just for you. Additionally, our personal loans can help with everything from debt consolidation to unexpected expenses.

Personal Banking Made Easy

Our personal banking options include checking and savings accounts tailored to fit your lifestyle. Imagine having access to your funds anytime with our convenient online and mobile banking services. You can easily check balances, transfer funds, and even pay bills from the comfort of your home or on the go.

Digital & Online Banking

Key Services

Our online banking platform allows you to manage your accounts 24/7. Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away. We understand that security is a top priority for our members, which is why we've implemented robust measures to protect your information while giving you peace of mind. With the option for electronic signature authorization, signing important documents has never been easier. You can quickly sign forms from the comfort of your home without needing to visit a branch. Plus, if you prefer going paperless, we provide e-statements so you can keep track of your transactions online while reducing clutter.

Mobile Banking Features

For those on the go, our mobile application offers features like mobile payments and person-to-person transfers. You can send money to friends or family instantly without needing cash or checks just another way we help you stay connected financially. Our app is user-friendly and designed with your needs in mind. At Freedom First, we believe that managing your money should be easy and accessible. With our digital banking tools, you have real-time control over your accounts no matter where life takes you. Explore all these options today at https://www.freedomfirst.com/ and experience the future of banking right at your fingertips!

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 are dedicated to ensuring your money is safe and working hard for 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 967 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. With $85,004,767 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant with $84,416 in used auto loans and a total of $990,578,306 in loans and leases, supporting your financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also 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 and committed team. Total Share Accounts: 106,752, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 2102 Langhorne Rd Lynchburg Va 24501 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, with over $134,319,351 in used vehicle loans and $37,496,608 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles to meet your needs. Plus, if you're considering refinancing an existing auto loan, we can help with that too!

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we also provide flexible terms on unsecured credit card loans. With a total of $14,017,837 in unsecured credit card loans available, our offerings help members manage their finances effectively. If you need a little extra cash flow for personal projects or emergencies, our credit lines are designed to support you when you need it most. For business owners in the area, our outstanding commercial loans totaling $490,850,324 provide the capital needed to grow and expand your business. We know how important it is to have access to funds when opportunities arise. At Freedom First, we're here to assist you every step of the way whether you're applying for a loan or exploring refinancing options. For more information about eligibility and how we can serve you better, feel free to reach out at 540-389-0244 or visit us at 2102 Langhorne Rd Lynchburg Va 24501. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial dreams today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $50,133,916. This is a great opportunity for first-time homebuyers or those looking to upgrade their living situation.

Loan Aggregator

Accurate Loan 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 ensures that users receive fair and transparent offers without hidden fees or misleading terms. By pulling data from legitimate financial institutions, LendMesh guarantees that every comparison is rooted in verified information.

Key Benefits of Using LendMesh

LendMesh offers several advantages for users looking to compare loans: - Verified Data: All loan offers are sourced from reputable financial institutions, ensuring full transparency throughout the process. - No Sponsored Listings: Unlike many other comparison tools, LendMesh does not prioritize lenders based on paid promotions. This means you get unbiased results tailored to your needs. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, empowering users to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight how effective and reliable this tool can be in securing better financing options. To explore current offers and discover which loans fit your needs best, compare real-time loan offers today at LendMesh. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

FREEDOM FIRST FEDERAL CREDIT UNION - Lynchburg, VA

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