We are aware that some of our Family First VISA card holders who are signed up for eStatements received a paper statement for the month of January. These members should have received their January VISA eStatements also and will not receive a paper statement fee. We’re working with our vendor to ensure this doesn’t happen in the future. We apologize for this error. 

All Family First branches and the call center will be closing early at 1:00 PM on Monday, April 8 due to the full solar eclipse happening that afternoon. We hope you enjoy the eclipse!  

Family First Debit and Credit Cards are currently experiencing an issue where transactions are not going through. We are working to resolve this and apologize for the inconvenience.

Adjustable Rate Mortgages

Adjustable-Rate Mortgages (ARMs) are great for our Members who are not looking to stay in a property long or anticipate significant growth in income!

The way an ARM works is you have a set, low fixed rate for a certain period of time, like 3, 5 or 7 years, then for the remainder of the loan the interest rate would adjust annually depending on the market. Properties that qualify for our Adjustable-Rate Mortgage are primary residences and second homes.  Family First offers the intermediate 5 Year ARM which is specifically designed to meet the needs of these members.  Prepayments made to principal go a long way to reducing your payments after your initial adjustment period.  Ask our Mortgage Team if this loan type can meet your needs on that new house or refinance.

Some Adjustable Rate Mortgages require Mortgage Insurance Premiums.  Here at Family First FCU, we offer several options including a “Piggyback Loan”.  Let us explain and find the best solution that demonstrates benefits and draw backs from a loan with PMI.

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