ALERT: Family First has recently been made aware of a scam spoofing both our 585.586.8225 and 1.800.356.1101 phone numbers. Please exercise caution if you receive a phone call claiming to be from our Fraud Department. Learn more here.

All Family First branches and the call center will be closed on Wednesday, June 19 for Juneteenth. We hope you have a safe and enjoyable holiday.

The Penfield branch parking lot will have limited access due to sealing beginning Saturday, June 1 at 1:00 pm. It will be fully reopened the morning of Monday, June 3.


With the holidays rapidly approaching, you may be asking yourself questions like, “How am I going to make my car payment?” or “can I afford to pay my bills and buy gifts this year?” If you’re unsure how to get through the festivities of the holidays while also paying your bills on time, we have a solution that will put your mind (and your wallet!) at ease.

At Family First, we offer Skip-A-Pay to all qualifying members. For a small fee of $35 per application, you can skip one month’s payment by adding it to the end of your loan term.

Why take advantage of Skip-A-Pay?
Not only can Skip-A-Pay help relieve the financial burden often felt during the holiday season, but it can also help you avoid late fees while protecting your credit score. Did you know:

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

With one less bill to worry about, you can stress less this holiday season. To find out if you qualify for Skip-A-Pay, call or text Family First at 585.586.8225 to speak to one of our member service representatives today, email us at [email protected], or see eligibility details on the Skip A Pay Authorization Form. To apply for Skip-A-Pay, fill out the Skip A Pay Authorization From and either mail, fax, or drop it off at one of our convenient branch locations.

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

Members must complete one authorization form per eligible loan. You may skip one full payment after six monthly loan payments are made on the following loans only: Vehicle Loan, Personal /Debt Consolidation Loan, Miscellaneous or Share Secured Loan. All loans are limited to 1 Skip-A-Payment per year up to a maximum of 3 per life of the loan. Applications must be received at least five business days prior to the due date if your payment is made automatically or electronically. A processing fee of $35 will automatically be deducted from your account upon your application’s approval. Finance charges will continue to accrue daily. Deferring your next payment will result in your having to pay higher total finance charges than if you made your payments as originally scheduled. Members will be required to resume their regular monthly payments in the following month.

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