Freedom First Credit Union

I was scammed by someone posing as a representative from Freedom First. They sent me a text that had the exact format used by Freedom First, and they emptied my account. There was no one to call to verify if it was actually Freedom First, because it was a holiday, and they had no one on call 24/7 for holidays. Once I filed the complaint and they conducted the investigation, I made a police report and sent them copies of the texts that were sent to me, etc. They would not return my money, so please be aware that your money is not safe with them. Lesson learned: I will never use this bank again.

I would give this credit union a less than 0 rating if I could. We were told our accounts were closed years ago, and unbeknownst to us, they started charging fees on an account with a $0 balance that hadn't been used since 2017, which we had been told was closed. Of course, we had no idea this was happening until they reported a charge-off on our credit. Not only did it take our credit from the 800s down to the 600s, but they also said it was our fault for not knowing the account was still open and refused to correct it. How would we have known it was still open if the only correspondence we get from them is offers for life insurance? We received one letter after it was too late. I filed a dispute with the credit bureau, but since the person they speak with is the same person who refuses to correct the issue for us, that was a waste of time. They care absolutely nothing for the people whose credit and lives they affect with these, in my opinion, deceptive and fraudulent business practices. Our only recourse, it seems, is to shout it from every media source we can that this credit union will destroy your credit if you don't pay their fees, even if they don't have your permission to run your account into the negative with those fees. We would've gladly paid ten times the $14 that ruined our credit had we known we owed it. The refusal to draw back the charge-off is what is so disgusting to us. We opened and used this account from 1997 to 2017 when we were told it was closed. They have lost nothing from this; we have lost years of good credit standing because of their greed. All account holders beware— one day they may do this to you.

I will be closing my account as soon as I can. I joined as a student because there were no fees and I needed a bank near my university. Suddenly, they have decided to charge fees without direct deposits or minimum balances of thousands of dollars! They claim to have sent out a notice, but I never saw it. Such a change in policy warrants more than a "notice," in my opinion. I think they are deceiving customers. It took me quite a few months to notice as well. They are taking money and becoming greedy, as other reviews have said.

I used to love this credit union, but now I just hate them. They have built a lot of new branches, but they don't have adequate staff to man the branches, and they have all kinds of fees now... You have to pay for those branches. I've been trying to close my account, and they want me to jump through so many hoops. I'm over it.

Only want customers with a lot of money. If you don't qualify, they charge you with fees until you leave. A year ago, I would have left a much different review. They have gotten greedy.

Absolutely hate my experiences with this bank. Their online banking service lacks UX design and is the least intuitive banking experience I've encountered. Simply attempting to log in to pay a bill was frustrating, with no way for the user to reset their username or password on their own. What kind of bank in 2024 doesn't provide that option to customers? I wouldn't recommend them.

Whatever you do, do not bank with Freedom First. They employ aggressive " mob" like tactics and will find a way to take more money than you owe. I will never bank with this organization again. It only takes one bad apple to spoil the bunch.

We enjoyed working with this bank. We would use it again if needed , they were easy to work with and FAST! We never have any problems from them at all.

First Freedom Credit Union is excellent. The best overall in customer service. I gave it 5 stars but would give it 10. I have some work to do but they do help educate you on your financial situation.

Low rates. Lower than credit cards. Making it fast to pay off. FFCU IS THE BEST! I would recommend to friends and family. No prepayment penalties. Very easy to work with.

I would never recommend any person bank here, for reasons that I could write an entire book on. Pathetic rates on your deposits, one of the most horrendous mobile apps I have ever used, excessive check holds on your mobile check deposits, really it goes on and on. I find it quite comical that when I had upwards $45k in my checking account there, check holds were released almost immediately. Yet, when I moved all of my money to invest and actually earn something, a check hold released in several days time. Closing my checking account here and moving to Member One was a fantastic decision, and my mortgage would be gone too if it were not for having to pay closing costs again. That being said, it's almost worth it to me to pay them just to be done with this place. Please do your research. There are far better places to bank with than this one.

Never would recommend. Their debit cards decline for everything & the manager in the call center is rude. Never bank at freedom first there are plenty of other banks that value your money

Definitely not the small hometown credit union that it used to be. No different than Member One, Wells, or BOA at this point. Lackluster savings APR, unless you have a ridiculous amount of direct deposit, then you qualify for the 5% rate. Mobile app and website always crash and never work right. Nothing special to separate them from the rest of the crowd anymore.

I gave the woman working on my mortgage loan the benefit of the doubt for being ridiculously rude to me, as she was having a bad day the first time we ever spoke on the phone. But I would like to make it very known that it was not a one time instance and that clearly some of their employees need a reminder that they use the bathroom and brush their teeth just like their customers. Will be closing all accounts with this place in a few months.

I love this credit card as well as the bank itself. I've been with this bank since 2014 and I've never had a problem with anything.