As you begin this college year, here are some tips to help you achieve financial independence.

Starting a new college semester means ensuring your finances are in order for a smooth year ahead. At Family First, we provide the student banking tools you need to manage your money efficiently and securely, so you can focus on your studies and college experiences.

Stay Connected with Your Finances Anytime, Anywhere!

Our free Online Banking and Mobile Banking App bring all your banking needs right to your fingertips. With Family First, you can:

• Check your account balances in real-time
• Pay bills online effortlessly
• Transfer money instantly
• Deposit checks remotely through your mobile device
• Set up custom alerts and notifications to stay on top of your finances
• Add your debit and credit cards to your mobile wallet for easy transactions
• Get help from our AI chatbot, Molly, or chat live with one of our representatives
• Download our app today and take control of your finances with ease!

Build and Establish Credit

When you turn 18, you can apply for credit cards and auto loans, but a lack of credit history can make lenders hesitant. At Family First, we offer products designed for new borrowers to help you build credit and gain banking experience efficiently.

If you’re just starting out, a secured credit card is a low-risk option for building credit. With Family First’s Secured VISA Classic, you can use your funds as collateral, making it easy to begin establishing credit. After 6-8 months of on-time payments, you’ll be eligible to upgrade to our standard VISA Classic, and the hold on your funds will be lifted—transforming your card into a regular credit card and marking your successful credit-building journey.

Learn more and apply for a card online!

Explore Shared Branching Options

If you’re traveling away from home for school, you can access your funds through Family First’s Shared Branching network. This nationwide credit union and ATM network allows you to manage your accounts and avoid ATM fees while you’re on the go. Use our Family First Mobile App or visit www.co-opsharedbranch.org to find locations near you by zip code.

Consider a Certificate of Deposit (CD) for Savings

Family First offers Certificates of Deposit (CDs) as a risk-free way to grow your savings with guaranteed returns. Our current CD special features a 4.50% APY (annual percentage yield) for 6 months. While you focus on your studies, your savings will grow with interest, and in just half a year, you’ll see a return on your investment.

Learn more about our current CD special!

With Family First, you can start your college journey with confidence and financial security. We’re here to support you every step of the way. Best of luck on your college journey!