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We are aware of fraudulent text messages notifying Family First members that there has been “a new email address added to your account from an unrecognized IP address”. If you receive a text like this, do not respond. If you respond, you will receive a call from a fraudster posing as a Family First employee. Do not give them any information. If you have received this communication, please contact us at 585.586.8225.

All Family First Branches and the Call Center will be closed on Monday, February 16 for Presidents Day. 

Beginning at 5:00 p.m. on Friday, February 13, Family First’s mortgage lending software will begin migrating to a new system. This is an internal upgrade and will not affect your mortgage or your payment schedule.

During the migration, any mortgage payments you make will be received and processed as usual. However, payments may not immediately appear in Online Banking or the Mobile App. The upgrade is expected to be completed by Tuesday, February 17, at which time all recent payments will be visible.

Financial Resolutions for the New Year

A new year is a natural time to reset priorities. While many resolutions focus on health or career goals, financial resolutions for the new year can have a lasting impact on your sense of security and confidence. 

Financial literacy isn’t about doing everything perfectly. It’s about understanding your options and making informed decisions. As you look ahead to 2026, the following resolutions offer a practical way to get your finances in check. 

1. Start an IRA to Build Retirement Savings 

Take control of your long-term financial future by opening an Individual Retirement Account (IRA). 

  • Learn the difference between Traditional and Roth IRAs
  • Choose an option that aligns with your income and tax situation 
  • Set up automatic contributions, even if they start small
  • Review contribution limits and adjust as your finances change

Starting an IRA builds financial literacy by helping you understand how retirement savings work and how early action can support future goals. 

2. Strengthen Your Savings by Understanding CD Rates

Make your savings work harder by learning how different savings tools operate. 

  • Review current CD rates in 2026
  • Decide whether a short or long term CD fits your goals
  • Compare CDs to other savings options for flexibility and access
  • Use CDs for money you don’t plan to spend right away 

Understanding CD rates allows you to make informed decisions instead of leaving savings idle. 

3. Review Auto Loan Rates and Borrow Smarter 

Reduce unnecessary interest costs by taking a closer look at your auto financing. 

  • Check your current auto loan interest rate
  • Compare rates if you’re planning to buy a vehicle in 2026
  • Explore refinancing options if rates or your credit have improved
  • Understand how loan terms affect total repayment costs

Financial literacy around borrowing helps you manage debt with intention and avoid paying more than necessary.

4. Use Financial Literacy Resources to Stay Consistent 

Support your financial resolutions by continuing to learn throughout the year.

  • Use budgeting tools to track spending and savings
  • Explore educational articles and calculators 
  • Revisit your goals every few months to measure your progress
  • Ask questions and seek guidance when needed 

Consistent learning helps you stay confident as your financial situation evolves. 

Build Lasting Financial Resolutions 

Strong financial resolutions for the new year focus on clarity and progress, not quick fixes. By starting an IRA, understanding savings and CD rates, reviewing auto loan options, and utilizing educational resources, you’re creating a solid financial foundation for 2026. 

Ready to take the next step? Reach out to us today!

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