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 Freedom Bank of Virginia Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 14, 2026
Freedom Bank of Virginia's top rates as of October 14, 2026 are 3.95% APY on its 9-Month Certificate, 2.50% APY on savings, 3.25% APY on money market accounts, and 1.00% APY on checking, according to rates verified by MonitorBankRates. Other Freedom Bank of Virginia CD rates include Single Deposit IRA - 60-Month Certificate at 3.75%, 12-Month Certificate at 3.65%, and 12-Month Multiple Deposit IRA at 3.65%. MonitorBankRates evaluates the financial stability of Freedom Bank of Virginia with a 4.2 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 24.99%. Rates last updated and verified on 10/14/2026. Freedom Bank of Virginia money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Freedom Bank of Virginia? Share your experience about Freedom Bank of Virginia by leaving a review below, or read customer reviews before you decide to use Freedom Bank of Virginia. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Freedom Bank of Virginia CD Rates
Freedom Bank of Virginia Savings Rates
Freedom Bank of Virginia Business Savings Rates
Freedom Bank of Virginia Money Market Rates
Freedom Bank of Virginia Business Money Market Rates
Freedom Bank of Virginia Checking Rates
Freedom Bank of Virginia Business Checking Rates
Financial Health HistoryFreedom Bank of Virginia’s Texas Ratio rose from 7.40% in Q3 2023 to 24.99% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.2 and its Health Grade from A to C+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Freedom Bank of Virginia is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Freedom Bank of Virginia rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Freedom Bank of Virginia's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Freedom Bank of Virginia
Bank Holding Company
FREEDOM FINANCIAL HOLDINGS INC
Address
10555 Main St,
Fairfax, VA 22030 · Fairfax City
Website
https://www.freedom.bank
FDIC Certificate #
57184
Established
20010723
FDIC Insurance Date
20010723
Domestic Offices
6
Total Branches
6
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsC+
Overall Health Grade
Score: 79/100
4.2
Excellent
Out of 5.0 Stars
24.99%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.4454%
Return on Equity (ROE)
4.5500%
Non-Performing Loans (NPL)
2.45%
Total Assets
$1,037,780,000
Total Deposits
$874,979,000
Equity Capital
$104,067,000
Net Income
$2,341,000
Headquarters
Fairfax
Total Branches and Offices
6
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
There are no reviews for Freedom Bank of Virginia yet. Feel free to create one below.
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Add Your Rating and Review for Freedom Bank of Virginia
Frequently Asked Questions About Freedom Bank of VirginiaHow many branches does Freedom Bank of Virginia operate?Freedom Bank of Virginia currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Freedom Bank of Virginia does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Freedom Bank of Virginia provides members with tools to manage their accounts and build a solid financial history. Does Freedom Bank of Virginia offer online and mobile banking?Most modern institutions like Freedom Bank of Virginia provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.freedom.bank. Current Freedom Bank of Virginia Rates
Retrieved from our database of financial products. Rates subject to change.
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