First U.S. – Official Site of Better Than FREE Checking

First U.S. offices and branches will be closed on Tuesday, November 11th, in observance of Veterans Day.

Federal Employee Support: If you have been affected by the federal government shutdown, we’re here to help. Learn More

Better Than Free Checking
with eStatements

Confident money management
No unexpected fees

Relax, You’re Covered -
0% APR* for 6 Months.

Apply for the Platinum
Preferred Visa Credit Card.

Refinance Your Vehicle
& Choose Your Bonus!

0.50% APR* Discount
OR Cash Back up to $500¹.

Member owned and operated since 1936

Rates as of 11/07/2025
Home Equity Line	4.75% intro rate for 6 months (new HELOCs), then Prime + 0
View real estate loan rates

Rates as of 11/07/2025

APRs as low as 5.49%

90 day no-payment option

Finance up to 125% (new)
or 125% High KBB (used)

Rates as of 11/07/2025
Better Than FREE Checking	1.00% APY
Smart Start Savings	up to 4.00% APY
Certificate Special	3.85% APY
View all available savings rates