Family First
Family First
Family First
Family First

Certificates of Deposit are currently not appearing in Home Banking and our Mobile App. Our vendor is aware of this and is working to fix the issue. We apologize for any inconvenience this may cause.

Hours Changes: Beginning the week of Jan. 4, 2021, the Penfield Branch and the Call Center will be closing at 5:00 pm on Fridays and the Henrietta Branch will be closed on Saturdays.

Attention: Online banking may be temporarily unavailable on Dec. 4th, 2020 due to scheduled maintenance. We apologize for any inconvenience.

For immediate assistance, please call or text us at 585.586.8225

Auto Rates

Greatest Rates Around

Discover why so many choose Family First

Model YearTermAPR with DiscountsNon-Discounted APR
2019 and Newer Models1 – 60 Months2.75%**3.50%
 61 – 66 Months2.75%**3.50%
 67 – 72 Months2.99%**3.74%
 73 – 84 Months4.15%**4.90%
 ($25,000 min)  
Used Cars   
2018 Models1 – 60 Months2.60%**3.35%
 61 – 66 Months2.80%**3.55%
 67 – 72 Months3.05%**3.85%
2017 Models1 – 60 Months2.85%*3.35%
 61 – 66 Months3.10%*3.60%
 67 – 72 Months3.25%*3.75%
2016 Models1 – 60 Months3.20%*3.70%
 61 – 66 Months3.35%*3.85%
2015 Models1 – 60 Months4.20%*4.70%
2014 & Older1 – 48 Months4.80%*5.30%


Membership eligibility required. Loans subject to credit approval and application. These are “as low as” rates. Actual rates may vary. APR is Annual Percentage Rate.

* This rate includes a .50% special discount for having direct deposit or automatic payments. Your auto loan rate will be determined by your credit score, model year of vehicle, and term of loan.

** This rate includes a .50% special discount for having direct deposit or automatic payments AND .25% discount for LTV (loan to value) of 80% or lower MSRP on above stated rate.

Rates are valid as of 12/05/2020.

More Ways We Can Help

Our Savings Calculators help you discover the best way you can save for all the things you need and want.

See first-hand how we can help turn your dreams into a reality at Family First.