The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 2 points (66 → 64), mostly because the funding & liquidity component weakened by 5 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Virginia

Yes. Freedom First Federal Credit Union is a federally insured credit union (NCUA charter #11111). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 18.3% of shares and deposits ($183.3M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.89%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Freedom First Federal Credit Union lists 9 offices in 6 cities. Most locations:

• Roanoke, VA (4)
• Blacksburg, VA (1)
• Christiansburg, VA (1)
• Lynchburg, VA (1)
• Salem, VA (1)
• Vinton, VA (1)

All branch addresses and map

In 2025, Freedom First Federal Credit Union reported 954 home-loan applications under HMDA (LEI 549300KGMXCXMVC0BO47): 700 originated ($152,710,000 total), 132 denied, and 83 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Freedom First Federal Credit Union

Type

Federal credit union

NCUA charter #

11111

RSSD ID

596286

Primary regulator

NCUA

Established

1956

Headquarters

5240 Valleypark Dr, Roanoke, VA 24019

Employees

239