Earn up to $500 a year* with Freedom Stash™ Checking

You could earn up to 5.00% APY1 (over 125x the national average*) on checking, and no minimum balance is required. All you need is a monthly direct deposit of at least $5,000 to unlock this rate.

Now that's how you Bank for Good.

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Are you a Saver or a Spender?

Freedom Stash™ is ideal for people who maintain a steady deposit balance. But if you're more of a spender than a saver, Freedom Cash™ might be a better fit, since you earn 2% cash back2 on your debit card purchases! All you need is a minimum of $1,000 monthly direct deposit to unlock your perks!

125x the National Average, 500x the Big Banks*

Account APY* Estimated Earnings*
Freedom Stash™ 5.00% $500.00
National Average (Interest Checking) 0.03% $3.00
Atlantic Union (Preferred Checking) 0.01% $1.00
Member One (One Choice Checking) 0.00% $0.00
Wells Fargo (Preferred Checking) 0.01% $1.00
Capital One (360 Checking) 0.10% $10.00
Chase (Premier Plus & Sapphire Checking) 0.01% $1.00
CitiBank (Interest Checking) 0.01% $1.00
Ally Bank (Interest Checking) 0.10% $10.00


*These estimated earnings are based on the Annual Percentage Yield (APY) for a balance of $10,000.00 for account holders with at least $5,000.00 of monthly direct deposits and assume you do not withdraw funds or incur fees. APYs are accurate as of 6/29/2021 and may change after account opening. Fees may reduce earnings. The APYs for other financial institutions are provided by each institution's public website (or by the FDIC) and are accurate as of 6/29/2021. In some cases competitors assess and/or waive fees if certain criteria are met. Perks, terms, and conditions for each competitor product may have changed since publishing this page. The APYs in this table are for the state of Virginia, where applicable. Registered trademarks are properties of their respective owners.

Monthly Perks1 for Freedom Stash™

Direct Deposit Average Daily Balance Dividend Rate APY ATM Fee Refunds
$1,000- $4,999.99 $0-10,000 0.50% 0.50% 2
$10,000.01-$1M 0.18% 0.18%
$5,000+ $0-10,000 5.00% 5.00% 4
$10,000.01-$1M 0.30% 0.30%


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More Than Just a Checking Account

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ATM Fee Refunds

As a member of Freedom First, you have access to over 50,000 surcharge-free ATMs in the CULIANCE ATM network. But with Freedom Stash™, you can also get up to 4 nationwide ATM fee refunds per month.3

Get Paid up to 2 Days Early

You already have your direct deposit set up to get your Freedom Stash™ perks, which means that you can automatically get your paycheck up to 2 days early!4

Remote Deposit in as Little as 15 Minutes

Deposit AnywhereSM in the Freedom First mobile app lets you deposit checks right from your phone... and funds could be available in as little as 15 minutes!

Federally Insured

Your deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government entity.

Open a Freedom Stash Account Online Today!

Not a Member Yet? Click Here.
Already Have a Checking Account With Us? Click Here.
Members Without Checking Click Here.
1Annual Percentage Yield (APY) as of 8/1/2021. Monthly Direct Deposit of $5,000 or more to receive the 5.00% APY on Average Daily Balance (ADB) up to $10,000, 0.30% APY on ADB above $10,000 up to $1,000,000. Monthly Direct Deposit of $1,000 or more to receive 0.50% APY on ADB up to $10,000, 0.18% APY on ADB above $10,000 up to $1,000,000. Fees could reduce earnings on the account. APY could change after account opening. Freedom CashTM and Freedom StashTM accounts will pay perks on the last day of each month, based on account activity in that month on the condition that the member is enrolled in Direct Deposit of at least $1,000. If Direct Deposit into the account drops below $1,000 for two consecutive months, the Monthly Account Fee of $9 will be charged for each month that Direct Deposit continues to remain below $1,000. The Monthly Account Fee will be waived for the first two consecutive months after the new account opening, regardless of Direct Deposit amount during that time. Fees may reduce earnings. Direct Deposit is defined as ACH deposits only and will not include check or cash deposits done either in-branch or remotely. ACH deposits may be any combination of your paycheck, social security check, dividend deposits, and other such automated deposits. Call us at 540-389-0244 (local) or 866-389-0244 (toll-free) with questions about what qualifies as an ACH deposit. Accounts receiving a paper statement will be subject to the Paper Statement Fee of $2, which will be waived if the member is enrolled only in eStatements and does not receive a paper statement. Find more details at www.freedomfirst.com/checking.
22% cash back on debit card purchases up to $500 with monthly Direct Deposit of at least $1,000 and up to $1,000 with monthly Direct Deposit of at least $5,000.
3With monthly Direct Deposit of at least $1,000 up to 2 nationwide out-of-network ATM fees will be refunded, and with monthly Direct Deposit of at least $5,000 up to 4 nationwide out-of-network ATM fees will be refunded. Surcharge-free ATMs are a part of the CULIANCE ATM network and can be identified by the presence of a CULIANCE, MoneyPass or Allpoint logo.
4Subject to receipt from originator and other terms and conditions.
5Deposit limits determined by account history and other factors. Freedom First Mobile is a free service from Freedom First Credit Union, but your mobile carrier’s data and text rates may apply. Deposit AnywhereSM is a free service that lets members deposit checks over the internet using smart phones, mobile devices, and tablets. Learn more at www.freedomfirst.com/deposit-anywhere.