Family First
Family First

ALERT: Family First has recently been made aware of a Spectrum Cable scam involving a “service install”. Please exercise caution if you receive a phone call from someone claiming to be Spectrum and offering these services.

All Family First branches and the call center will be closed on Thursday, November 24 for Thanksgiving and will be closing early at 3PM on Friday, November 25. Have a safe and enjoyable holiday!

The Family First Penfield Branch ATM is currently unavailable. We apologize for any inconvenience this may cause and are working to rectify the situation.


We all know that 2020 has been a stressful and unpredictable year. And now with the holiday season in full swing, you may be asking yourself questions like, “How am I going to make my car payment? Can I afford to pay my bills?”  


At Family First, we offer Skip-A-Pay to all qualifying members. If you find yourself in a situation where you are worried about whether you can afford to make your loan payment, for a small fee of $25 you can apply for Skip-A-Pay. This option allows you to skip one month’s payment by adding it onto the end of your loan. 


Why take advantage of Skip-A-Pay? 


This option is beneficial because you can avoid paying late fees and hurting your credit score by making a late payment. Did you know: 

  • Payment History makes up the largest part of your credit score at 35%
  • One late payment could reduce your score by more than 100 points 


Let us help you put your mind and wallet at ease this holiday season with one less bill to worry about! To see if you qualify, call or text Family First at 585.586.8225 to speak to one of our member service representatives today.


Worried about more than one bill? All of our branches are now staffed with Certified Financial Counselors. Contact us to schedule an appointment and find out how we can help you reach your financial goals! 

Fill out the Skip A Pay Authorization, and either mail, fax, or drop it off at one of our convenient offices. If you have any questions about completing the form, feel free to call a member service representative at 585.586.8225.

For each approved application, a low $25 processing fee will automatically be deducted from your account. Please see the authorization form for complete details.

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