Fewer fees, great rates, and local decisions on loans are just a few of the ways being part of Freedom First benefits our members every day.

We have a variety of impact banking products that include Responsible Rides®, Career Development Loans, Payday Relief LoansCredit Builder, Micro Loans, Borrow & Save and more. Ask about our special products &  programs like our Affordable Housing Program, Track 2 Loans, the American Dreamer Loan & Individual Development accounts. Check out our nationally recognized grants program, and academic scholarships. Freedom First is a recognized leader in community and economic development programs that improve the quality of life of individuals and communities, 



Take advantage of this free, thorough, private review of your financial situation. Learn how to pay down your debt, create a personalized budget, monitor your spending, and more.

SavvyMoney features:

  • A path toward financial freedom
  • Thorough financial assessment
  • Tools for tracking spending
  • No cost, minimal time
  • Completely private and secure

Interested in a private consultation with our financial educator? contact us today.


The Veterans Energy-Efficiency/Weatherization Set-Aside Program provides funding for qualified rehabilitation and weatherization improvements on existing owner-occupied units to veteran homeowners, or their surviving spouses, who are currently serving or have served in an overseas military intervention environment.

With help from Freedom First and the Federal Home Loan Bank of Atlanta, local veterans have benefited from roof replacements, stair repairs, new HVAC units, and other improvements designed to improve safety and efficiency. For more information on the program, contact our loan specialist today.


Freedom First partners with United Way Roanoke Valley to support Bank On Roanoke Valley, an initiative designed to make traditional, affordable financial services available to people who are currently “unbanked” or “underbanked.”

Freedom First’s mission of “helping our members prosper—helping our communities thrive” means we are committed to supporting the financial growth and security of anyone who chooses to “bank for good” with us. The Bank-On program is a reflection of that long-held Freedom First goal and we are proud to participate in the community-wide collaboration among financial institutions and area governments.

To benefit from Bank On Roanoke Valley, enter any Freedom First branch and open your account today.

Are you interested in any of our community impact products?