All Family First offices and the call center will be closed on Monday, November 11 for Veterans Day.

About Us

A Look into Family First

Our name really says it all. With our member-driven approach, we not only strive to ensure our member’s needs are exceeded but also rewarded.

When you trust your finances with Family First Credit Union you can sleep soundly knowing you’re not just gaining a new financial institution, but integrity and the highest level of service when it comes to all your banking needs.

Our Commitment

When it comes to your finances, we know that your needs change, and unexpected events may come up along the way. We pride ourselves on evolving with our members and providing financial solutions for every step of their journey.

Our Promise to You

From low-interest rates for loans, to competitive high-yield checking accounts, our products are designed with you top of mind. We’re here for you every step of the way, and look forward to celebrating life’s most memorable moments with you!

What Sets Us Apart from the Rest

Breadth of Services

We offer it all. From checking accounts to loans to mortgages, we have you covered every step of the way. We know banking, mortgages, and loans so you don’t have to.

Personal & Local Feel

You can view us as your neighbor and trusted advisor. We work with all our members to come up with customized individual plans and unique solutions to best match their needs.

Competitive Rates

At Family First CU we offer competitive rates on savings products, loans and mortgage. Unlike a bank, we don’t have stockholders – it’s our members who receive the benefits of our success through better rates.

Looking Back Across Our Family Tree

We’ve spent half of a century focused on one thing: people helping people reach their financial goals.

Rooted in Education

Penfield Central Federal Credit Union opened its doors in February 1969 in the home of Penfield teacher Dick Dennison. Embracing the concept of “people helping people”, PCFCU was chartered to serve employees of the Penfield Central School District and their families.

Our first few years saw transactions taking place in our President’s homes, most notably during the mid- 1970’s in former President/CEO Len Szumiloski’s den. Proudly the credit union remains a family tradition with many of the relationships formed in that den still strong today.

Branching Out

In 1983, BOCES (Board of Cooperative Educational Services) Federal Credit Union merged with PCFCU, giving their members access to additional products and services. To reflect our new field of membership, the name was changed to Penfield Federal Credit Union (PFCU) in 1984.

Keeping with our educational roots, in 2008 we opened a student branch at Bishop Kearney High School to promote financial literacy to the students. The credit union had another merger, welcoming Henrietta Credit Union to the family in 2012 and adopted their branch in Henrietta for members.

Our Growth Continues

In 2002, the credit union saw a major change in the field of membership as we converted to the current community charter. With a member base that extended far beyond Penfield, it was decided to create a name that was not descriptive of one area but based on our philosophy to put the "Family First."

Today, after completing over 50 years of service to our members we maintain the same values of family, integrity, relationships, service and trust, that this credit union was founded on.

Meet the People That Put You First

We are proudly governed by our members!

A distinct feature of Family First is our elected volunteers. All members of the Board of Directors and appointed committees serve without pay, donating many hours of their time and expertise for the benefit of the membership.

Board of Directors

The seven-member Board of Directors of Family First is responsible for the overall direction and control of the credit union. To contact the Board of Directors, please e-mail boardchairman@familyfirstny.com.

Current Board of Directors

  • Ryan Payment, Chairman of the Board
  • Barbara Moehle, Vice Chair of the Board
  • Tom Combs, Secretary/Treasurer
  • James Costello, Board Member
  • Donna Dedee, Board Member
  • Hugh Franklin, Board Member
  • Mark Sancouci, Board Member

Supervisory Committee

The function of the Supervisory Committee is to monitor the safety and soundness of the credit union. To contact the Supervisory Committee, please e-mail supervisory@familyfirstny.com.

Current Supervisory Members

  • Hugh Franklin, Chairman
  • Ken Dell
  • Greg Evershed
  • Brian Short

Our Recent Annual Reports

Family First FCU produces an Annual Report every year that allows us to communicate to our members about the credit union’s financial standing, messages from our Board Chairman and CEO and a review of the successes of the previous year. Click below to view past Annual Reports