We are a member owned financial cooperative

As a not-for-profit financial cooperative, Freedom 1st is owned by the folks who save and borrow money at their credit union...the members. Unlike a bank, credit union profits are returned to the members in the form of higher dividends on savings, lower interest rates on loans, lower fees...and many other money saving services. If you’ve never been a member of a credit union, you’re in for a pleasant surprise. As a member, you have a voice in the actual operation of this financial cooperative, ensuring that we will continually provide you and your family with unsurpassed service and convenience. One of the primary reasons Freedom 1st exists is to provide our members a safe and convenient place to save and borrow money. Membership at Freedom 1st makes good financial sense. In fact, we’re confident our credit union is the only financial partnership you will ever need. Credit union membership at Freedom 1st is a lifetime benefit. Once you’re a member, you can remain a member for life...no matter where you live or what job you have.


You must reside in one of the following Ohio counties: Montgomery, Preble, Miami, Greene, or Darke. Alternatively, you may be employed by one of our over 80 companies we serve as a select employer group. Please inquire with your payroll department to see if your employer qualifies. If your company is not a current Select Employer Group of Freedom 1st Credit Union, we'd love for you to be the next! Simply stop by the credit union or e-mail us about the ease of signing your company up to reap the credit union benefits!

Come on in and sign up today!