Why We're Unique

Local, local, local – Does being local matter?  You bet!  With personalized service from our local mortgage staff and local decision making all the way to processing, closing and the use of local appraisers & attorney’s, Family First FCU is committed to our local roots.  This all means, YOU deal locally with people in your community – with people that care.

Competitively low rates available for purchase or refinancing – At Family First FCU you have access to a wide array of loan options, including closing costs assistance at competitively low interest rates.

Options – Whether you qualify for a USDA loan or want the assistance that a down-payment assistance loan can give you on a SONYMA loan, Family First provides options!  VA, USDA Rural Development, FHA, SONYMA and Conventional loans are all available to give you the options you need.

Free Pre-approval to increase buying power – With a no cost, pre-approval at Family First FCU, you can have the peace of mind that your Pre-approval means that your credit, income and assets have ALL been reviewed.  This puts you in the best possible position to negotiate the home of your dreams with the knowledge that you are well on your way in the mortgage process.

Entitlement – You’ll receive copies of both your appraisal and credit report. The credit report is delivered when you meet with your Mortgage Officer, and the appraisal is sent to you via email.

Closing – Experience flexibility and convenience when it's time to close your new home loan. Purchase transactions can close at any one of our branch locations while refinance transactions can close at any branch, our attorneys’ office or in the comfort of your home! 

Escrow Waiver – With 20% equity in your home, you can choose whether or not to have an escrow account for taxes and home insurance, at no cost.

Auto Pay, Direct Deposit – Although Family First is a local credit union, we offer the services of larger financial institutions. Direct Deposit, automatic Bill Pay, and Free On-line Banking are just a few of the many financial services we have available to our members.