Freedom First Credit Union Vinton VA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Freedom First, your trusted credit union located at 203 W Virginia Ave, Vinton, VA 24179. Since our establishment in 1956, we have been dedicated to serving our community and enriching the financial lives of our 69,029 members. At Freedom First, we pride ourselves on providing personalized service and building lasting relationships with those we serve. With total assets exceeding $1.168 billion, and total deposits of $36,484,296, we are well-equipped to support you in achieving your financial goals. Whether you're looking for auto loans, mortgages, or personal banking services, we offer a range of products tailored to meet your needs. Our commitment to you is reflected in our strong financial standing, including a net worth of $112,468,858 and cash in hand amounting to $10,542,984. Our leadership team is here for you. Under the guidance of CEO Paul Phillips and Board President Wayne Strickland, Freedom First continues to thrive as a member-focused institution. We believe that your financial success is our mission. For any official correspondence, please feel free to reach us at our mailing address: 203 W Virginia Ave, Vinton, VA 24179. Our friendly staff is always ready to assist you during our operating hours: Monday through Friday from 9 AM to 5 PM, with drive-thru services available from 8 AM to 6 PM. Ready to take the next step? Visit us online at Freedom First or call us at 540-981-2630 today! Your journey towards better financial health starts here.

Branch History & Mission

Community Commitment

While you can visit us at our branch location on W Virginia Ave, any official correspondence should be sent to the same address. With operating hours from Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM along with extended drive-thru hours our friendly staff is here to assist you. As part of our commitment to accessibility, we offer ATM services and drive-thru banking options for your convenience. Whether you're stopping by for a quick transaction or looking for guidance on your financial journey, we're here for you.

Join Us Today

If you're looking for a credit union that values its members and community as much as you do, consider joining Freedom First today! Experience firsthand how we can help you achieve your financial dreams while being an integral part of the Vinton community. For more information about membership or to open an account, call us at 540-981-2630 or visit our website. Together, let's build a brighter financial future!

Our Journey

From our humble beginnings, Freedom First was established with the mission of providing accessible financial services to individuals and families in the Vinton area. As we have expanded our offerings over the years, we have remained committed to supporting the financial well-being of our members while fostering a sense of belonging and community spirit. Our branch has become a trusted partner for many local residents, offering services such as personal banking, auto loans, mortgages, and business banking solutions. In addition to traditional banking services, we've embraced digital advancements to make banking more convenient and accessible. Our members can enjoy online and mobile banking options that include person-to-person payments and e-statements.

Our Mission

At Freedom First, our mission is simple yet impactful: We strive to improve the lives of our members by providing exceptional financial products and services while actively supporting our local community. We believe that when our members succeed financially, the entire community benefits. We are not just about numbers; we care deeply about making a difference in Vinton. Our team is dedicated to giving back through various outreach efforts and partnerships with local organizations. We want to empower every individual with the tools they need to achieve their financial goals.

Branch Location & Accessibility

Accessibility Features

At Freedom First, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features including ramps and spacious parking options. We also offer drive-thru banking services for those who prefer a quick and easy experience without leaving their vehicles.

Operating Hours

We understand that life can get busy! That's why our lobby hours are designed to fit your schedule. We're open Monday through Friday from 9 AM to 5 PM, with extended drive-thru hours available from 8 AM to 6 PM on weekdays and Saturday hours from 9 AM to 12 PM. If you have questions or need assistance outside of these times, don't hesitate to give us a call at 540-981-2630; our team is always ready to help!

Services Offered

At Freedom First, we offer a variety of financial services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our ATM is readily available for quick cash withdrawals and balance checks whenever you need it. We invite you to visit us today! Experience the friendly atmosphere and discover how Freedom First can help you achieve your financial goals. Come see us at our Vinton branch or give us a call we look forward to serving you!

Member Eligibility

Becoming a member of Freedom First is like joining a welcoming family where your financial needs are prioritized. If you're looking to join us at our branch located at 203 W Virginia Ave Vinton Va 24179, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in our community. Whether you're seeking personal banking options or support for your business, we're here to help you thrive. Our process for opening an account is straightforward and inclusive. You can find all the details about eligibility and how to get started by visiting http://www.freedomfirst.com/about-us/who-we-are/membership-eligibility . Should you have any questions or need assistance, don't hesitate to reach out to us at (540) 981-2630. We can't wait for you to experience the benefits of being part of the Freedom First family!

Business Banking & Commercial Services

Commercial Loans to Drive Your Success

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 Tailored for You

In addition to loans, we offer merchant services that help streamline your transactions. Imagine effortlessly accepting payments from your customers, whether they're shopping online or visiting your store. Our services allow you to focus on what you do best running your business while we handle the payment processing. Located at 203 W Virginia Ave Vinton Va 24179, Vinton, VA, our team is ready to assist you. Call us at (540) 981-2630 or visit our website at [Freedom First](https://www.freedomfirst.com/) to learn more about how we can support your business journey today!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide specialized services including merchant services and business loans. Running a business is demanding; let us help simplify your banking needs so you can focus on what really matters growing your business.

Convenient Access

At Freedom First, convenience is key. With ATM access available and basic drive-thru banking services for deposits and withdrawals, getting to your money has never been easier. Our hours are designed with you in mind: lobby hours run Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM, while our drive-thru operates from 8 AM to 6 PM during weekdays. If you're ready to explore any of these services further or have questions about how we can assist you in achieving your financial goals, don't hesitate! Call us at 540-981-2630 or visit our website at Freedom First. We look forward to serving you!

Credit Cards with Rewards

Our credit cards come equipped with rewards that allow you to earn points on everyday purchases. Imagine earning cash back while shopping for groceries or filling up your gas tank!

Home Loans Made Easy

Looking to buy a home? We also provide mortgage loans and refinancing options. Our friendly staff can guide you through the process, ensuring you understand all your choices. We know that buying a home is one of the biggest decisions you'll make, and we want to help make it easier for you.

Personal Banking Solutions

When it comes to personal banking, we offer various options that cater to your lifestyle. Whether you're looking to open a checking or savings account, our accounts come with features that make managing your finances simple and effective. Imagine having easy access to your funds via our online and mobile banking platforms! You can check your balance, transfer money, or pay bills from the comfort of your home or on the go.

Personal Loans & Debt Solutions

Life can sometimes throw unexpected expenses your way. That's why we offer personal loans and debt consolidation options. Whether it's for medical bills or home repairs, having access to funds when you need them can bring peace of mind.

Vehicle Financing

If you're in the market for a new car or need financing for a vehicle, our auto loans are tailored just for you. With competitive rates and flexible terms, we aim to make your vehicle purchase as stress-free as possible. Picture yourself driving off in that new car knowing you secured the best deal through Freedom First.

Digital & Online Banking

Key Features of Our Digital Banking Services

With just a few clicks, you can access your account through our user-friendly online banking platform at https://www.freedomfirst.com/ . Here, you can check balances, transfer funds, and pay bills all at any hour of the day or night. Our 24/7 online banking services ensure that you are always in control of your finances. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. You can easily send funds without needing to share bank details, ensuring safety and peace of mind. For those who prefer mobile solutions, our mobile application offers the same robust features right at your fingertips. Whether you're paying bills or checking statements, everything is streamlined for easy navigation.

Security You Can Trust

Security is a top priority for us. With electronic signature authorization available, signing documents online has never been safer or more straightforward. Plus, our e-statements provide a secure way to receive your account information without the clutter of paper statements. If you're someone who loves using mobile payments, you'll be pleased to know we support this feature as well. Whether it's buying coffee or shopping online, making payments has never been more convenient. In today's fast-paced world, having real-time access to your financial information is crucial. With the services offered by Freedom First, you can manage your accounts anytime, anywhere all while enjoying the security and support you expect from a trusted credit union. Explore all these features and more by visiting us online today!

Financial Strength

Commitment to Growth

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 $8,416 in used auto loans and $990,578,306 in total loans and leases, we support our members' financial goals across various sectors.

Growing Member Base

Total Share Accounts stand at 106,752, showing a strong and growing member base that trusts us with their finances. 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 203 W Virginia Ave Vinton Va 24179 or call (540) 981-2630 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Operational Efficiency

Our operations reflect our efficiency as shown by our $0. This enables 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, committed team.

Solid Financial Foundation

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.

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. Whether you're interested in financing a brand-new vehicle or a reliable used car, we have options that can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $490,850,324 provide the capital needed to grow and expand. Whether you're looking for equipment financing or working capital, our team is here to help you find the right solution.

Mortgage Loans

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. This could be your chance to invest in your future with competitive rates and flexible terms.

Refinancing Options

If you're considering refinancing any of your existing loans for better rates or terms, we have options available that can potentially save you money over time. Check out our eligibility options here. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our loan offerings today and see how we can assist you in achieving your financial aspirations!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $14,017,837 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits designed to enhance your spending experience while keeping costs manageable.

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FREEDOM FIRST FEDERAL CREDIT UNION - Vinton, VA