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Freedom Rewards Checking

Get paid to go shopping with Freedom Rewards — free checking that pays you 3.00% cash back on your debit card purchases, up to $72 back per year ($6 per month)! ** You’ll also get cash back on ATM withdrawal fees, up to $20 per month, at ATM’s nationwide. That means you can get to your money when and where you need it, whether you’re in West Virginia or elsewhere. All we ask you to do is simply enroll and receive e-Statements and a few monthly qualifications listed below*. Visit us today to open your account.

Benefits

  • 3.00% cash back on debit card purchases**
    • No category restrictions on purchases
    • Cash back earned on up to $200 in purchases monthly
    • Earn up to $72 cash back per year, $6 per month
  • Up to $20 in refunds on ATM withdrawal fees, nationwide**
  • No minimum balance to earn rewards
  • No monthly service fees
  • FREE Online Banking
  • Online Bill Pay Services
  • FREE electronic bank statements
  • Check images returned
  • 0.25% discount on qualifying non-mortgage consumer loans with automatic draft from an eligible Freedom Bank account
  • $50 minimum deposit to open

*Here’s how easy it is to earn your rewards:

To earn your rewards, just do the following transactions and activities in your Freedom Rewards account during each Monthly Statement Cycle:

  • Have at least 12 debit card point of sale purchases post and settle to the account**
  • Be enrolled in and agree to receive monthly e-Statements**
  • Be enrolled in and log into online banking at least once (1)

And if you don’t meet these qualifications, don’t worry — your account is still free. And you can always earn your rewards the very next Statement Cycle that you qualify.

**Qualification Information: Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Statement Cycle to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction for the purpose of earning account rewards. “Monthly Statement Cycle” means a period beginning on the first day of the current statement cycle through the last business day of the current statement cycle. Reward Information: When your Freedom Rewards account qualifications are met during a Monthly Statement Cycle, you will receive (1) 3.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Statement Cycle. (2) You will also receive reimbursements up to an aggregate total of $20.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Statement Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Freedom Rewards account qualifications are not met, no cash back payments are made, and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Freedom Rewards account on the first business day after your monthly statement cycle ends. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $50.00 minimum deposit is required to open the account. Receipt of electronic statements is a condition of this account. Enrollment in electronic services (e.g., online banking and log-ons) may be required to meet some of the account’s qualifications. Limit one (1) account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact a Freedom Bank customer service representative for additional information, details, restrictions, processing limitations and enrollment instructions.


Freedom Rewards-Interest Checking

Earn high interest and refunds on ATM withdrawal fees** — every month.

When you enroll in e-Statements and meet some basic qualifications listed below*, you can earn up to 1.50% APY**. You’ll also get rewarded with up to $20 in refunds on ATM withdrawal fees, nationwide — so every ATM is your ATM. Visit us today to open your account.

Benefits

  • 1.50% APY** on balances up to $10,000
  • 0.25% APY** on balances over $10,000
  • 0.05% APY** if qualifications aren’t met
  • Up to $20 in refunds on ATM withdrawal fees, nationwide**
  • No minimum balance to earn rewards
  • No monthly service fees
  • FREE Online Banking
  • Online Bill Pay Services
  • FREE electronic bank statements
  • Check images returned
  • 0.25% discount on qualifying non-mortgage consumer loans with automatic draft from an eligible Freedom Bank account
  • $50 minimum deposit to open

*Here’s how easy it is to earn your rewards:

To earn your rewards, just do the following transactions and activities in your Freedom Rewards-Interest account during each Monthly Statement Cycle:

  • Have at least 12 debit card point of sale purchases post and settle to the account**
  • Be enrolled in and agree to receive monthly e-Statements**
  • Be enrolled in and log into online banking at least once (1)

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base interest rate. And you can always earn your rewards the very next Statement Cycle that you qualify.

**Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Statement Cycle to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Statement Cycle” means a period beginning on the first day of the current statement cycle through the last business day of the current statement cycle. Reward Information: When your Freedom Rewards-Interest account qualifications are met during a Monthly Statement Cycle, (1) balances up to $10,000 receive an APY of 1.50% and an interest rate of 1.49%; and balances over $10,000 earn 0.25% APY with an interest rate of 0.25%; (2) you will receive reimbursements up to an aggregate total of $20.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Statement Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Freedom Rewards-Interest account qualifications are not met, all balances in the account earn 0.05% APY with an interest rate of 0.05% and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements will be credited to your Freedom Rewards-Interest account on the first business day after your monthly statement cycle ends. APY = Annual Percentage Yield. APY is accurate as of 05/23/2022. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50.00 minimum deposit is required to open the account. Receipt of electronic statements is a condition of this account. Enrollment in electronic services (e.g., online banking and log-ons) may be required to meet some of the account’s qualifications. Limit one (1) account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact a Freedom Bank customer service representative for additional information, details, restrictions, processing limitations and enrollment instructions.


Your Choice Checking

Take control of your checking account, with a Your Choice Checking account.

Your Choice Checking allows you to choose what you want in a checking account, plus still have the opportunity to eliminate fees. Open your account today at any of our convenient locations.

Benefits

  • $5.00 Service fee that can be eliminated by doing certain account activities*
  • FREE Online Banking
  • Online Bill Pay Services
  • FREE electronic bank statements
  • 0.25% discount on qualifying non-mortgage consumer loans with automatic draft from an eligible Freedom Bank account
  • $50 minimum deposit to open

*Here’s how easy it is to eliminate your service fee:

Eliminating Your Choice Checking service fee is easy, just do the following transactions OR activities during each Monthly Statement Cycle:

  • Have at least 6 debit card point of sale purchases post and settle**

-OR-

  • Be enrolled in and agree to receive e-Statements**

And if you don’t meet these qualifications, don’t worry — you can always try again the very next Statement Cycle. At any point if you feel like you’re ready to earn rewards on your account stop by one of our branch locations and upgrade your account to a Freedom Rewards or Freedom Rewards-Interest account.

**Your Choice: Account transactions and activities may take one (1) or more Business Days to post and settle to the account and all must do so during the Monthly Statement Cycle in order to eliminate your monthly service fee.  The following activities do not count toward eliminating your monthly service fee: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM, and purchase made by debit cards not issued by our bank.  The account’s monthly service fee of $5.00 will be eliminated for the corresponding Statement Cycle when either or both of the following qualifications are met during the Monthly Statement Cycle: have at least 6 debit card point of sale purchases post and settle or be enrolled in and agree to receive e-Statements. Enrollment in electronic services (e.g., online banking and log-ons) may be required to meet some of the account’s qualifications. Limit one (1) account per social security number. Fees are variable and at our discretion may change after account is opened with proper notice to you.  No minimum balance is required in order to eliminate your monthly service fee.  Contact a Freedom Bank customer service representative for additional information, details, restrictions, processing limitations, and enrollment instructions.


Senior Checking

Our Freedom Bank Senior Checking account is great for those looking to keep their finances simple and stress free.

  • Available to Individuals Age 65 and Older
  • No Monthly Service Fee
  • No Minimum Balance Required
  • Free Debit Card and Online Banking
  • $50 Minimum Deposit to Open

Open your account today at any of our convenient locations.

Freedom Savings

Put your money to work, with a high interest Freedom Savings.

Freedom Savings pays up to 0.75% APY* on your balance when you open a Freedom Rewards or Freedom Rewards-Interest account! A free account that pays you in ways that matter. Open your accounts today at any of our convenient locations.

Benefits

  • 0.75% APY* on balances up to $20,000
  • 0.25% APY* on balances over $20,000
  • 0.05% APY* if qualifications are not met on Freedom Rewards or Freedom Rewards-Interest account
  • No minimum balance to earn rewards
  • No monthly service fees
  • FREE Online Banking
  • FREE electronic bank statements
  • 0.25% rate discount on qualifying non-mortgage consumer loans with automatic draft from an eligible Freedom Bank account
  • $50 minimum deposit to open

**Here’s how easy it is to earn your rewards:

Qualifying in your Freedom Rewards or Freedom Rewards-Interest account automatically qualifies you for the highest Freedom Savings rate, too. To earn your rewards, just do the following transactions and activities in your Freedom Rewards or Freedom Rewards-Interest account during each Monthly Statement Cycle:

  • Have at least 12 debit card point of sale purchases post and settle
  • Be enrolled in and log into online banking at least once (1)
  • Be enrolled in and agree to receive monthly e-Statements*

And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base interest rate on your Freedom Savings balance. And you can always earn your full rewards the very next Statement Cycle that you qualify.

**Qualification Information: Account transactions and activities may take one (1) or more Business Days to post and settle to the account and all must do so during the Monthly Statement Cycle to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction for the purpose of earning account rewards. “Monthly Statement Cycle” means a period beginning on the first day of the current statement cycle through the last business day of the current statement cycle. Reward Information: When your Freedom Rewards or Freedom Rewards-Interest account qualifications are met during a Monthly Statement Cycle, an interest rate of 0.75% will be paid on the portion of your daily balance that is less than or equal to $20,000 and the annual percentage yield for this tier is 0.75%. An interest rate of 0.25% will be paid on the portion of your daily balance that is greater than $20,000 and the annual percentage yield for this tier will be 0.25%. When your Freedom Rewards or Freedom Rewards-Interest account qualifications are not met, all balances in the Freedom Savings earn 0.05% APY*. *APY = Annual Percentage Yield. APY is accurate as of 05/23/2022. Interest will be credited to your Freedom Savings account on the last business day of the current Statement Cycle. Rates and rewards are variable and may change after account is opened. $50.00 minimum deposit is required to open the account. Receipt of electronic statements is a condition of this account. Enrollment in electronic services (e.g., online banking and log-ons) may be required to meet some of the account’s qualifications. Limit one (1) account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact a Freedom Bank customer service representative for additional information, details, restrictions, processing limitations, and enrollment instructions.


 

Savings

A basic account that will get your money earning interest today!

  • Up to three (3) free withdrawals per month
  • FREE ATM access where you see the Star Network symbol
  • Earn interest on your balance

A $50.00 minimum deposit is required to open the account.  $1.00 monthly fee on balances below $250.00.  $1.00 fee for each withdrawal above three (3) per month.  Contact a Freedom Bank customer service representative for additional information.


 

Christmas Club

This account offers a structured saving method to plan for your annual holiday shopping or special occasion by making regular deposits throughout the year.  The deposits can be in any amount of your choice and will pay out in October of each year.

  • Higher interest savings account that matures annually
  • Coupon book or auto-transfer deposit options available
  • Fixed interest rate

Certificates of Deposit CDs

Your money earns more in these high interest-bearing accounts.

  • Terms from 10 days to 5 years to suit your financial needs
  • Competitive rates

Certain minimum deposit amount required.


 

Traditional Individual Retirement Accounts IRAs

Save money, earn interest, and reduce the taxes you pay. It’s never too early to start thinking about retirement.

  • Fixed and variable rates
  • A variety of terms to meet your needs
  • Taxes on earnings are deferred until distribution
  • Automatic transfers from another account available

$50.00 minimum opening balance on IRA Savings account. This investment will earn a variable rate of interest based on Freedom Bank’s current rates.

As little as $500.00 may be invested on each IRA CD account. This investment will earn a fixed rate of interest based on Freedom Bank’s current CD rates. Consult your tax advisor to determine your tax liability.


 

Roth Individual Retirement Accounts IRAs

Earn tax-free interest with fewer withdrawal restrictions than a Traditional IRA.

  • A more flexible IRA
  • Earn interest on after-tax contributions
  • Interest earned may be tax-free

Consult your tax advisor to determine your tax liability.


 

Contact us for the most up-to-date rates or for any other questions you may have, please contact one of our local branches list at the bottom of the screen.

Certificate Of Deposit Interest Rates Last Updated: October 28, 2022

INVESTMENT CDS* INTEREST RATE ANNUAL PERCENTAGE YIELD MINIMUM TO OPEN
60 Months 1.05% 1.05% $1,000
48 Months 0.70% 0.70% $1,000
36 Months 0.55% 0.55% $500
24 Months 0.45% 0.45% $500
18 Months 0.35% 0.35% $500
12 Months 0.30% 0.30% $500
6 Months 0.25% 0.25% $500
3 Months 0.20% 0.20% $500
1 Month 0.12% 0.12% $500
10 Days 0.12% 0.12% $500
***Specials***

no

no

no

Freedom CD 30 Month 0.50% 0.50% $10,000
Freedom CD 15 Month 0.40% 0.40% $10,000

*Substantial Penalty for early withdrawal of Certificates of Deposit

Freedom Bank Savings Accounts* Last Updated: August 30, 2022

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD
$0 to $1,000 0.05% 0.05%
$1,000.01 to $25,000 0.10% 0.10%
$25,000.01 and Over 0.15% 0.15%

*Subject to change at any time – Compounded Daily – OPEN $50.00

Tax Shelters - Individual Retirement Accounts. IRA Statement Savings Rate* Last Updated: August 30, 2022

COMPOUNDING INTEREST RATE ANNUAL PERCENTAGE YIELD
Quarterly 0.35% 0.35%

*Subject to change at any time

Additional Information

The following CDs are compounded quarterly: 6 months, 12 months, 18 months, 24 months, 36 months, 48 months and 60 months. Monthly Income Checks are available with deposits of $5,000.00 or more.