Family First
Family First

ALERT: Family First has recently been made aware of a Spectrum Cable scam involving a “service install”. Please exercise caution if you receive a phone call from someone claiming to be Spectrum and offering these services.

All Family First branches and the call center will be closed on Thursday, November 24 for Thanksgiving and will be closing early at 3PM on Friday, November 25. Have a safe and enjoyable holiday!

The Family First Penfield Branch ATM is currently unavailable. We apologize for any inconvenience this may cause and are working to rectify the situation.

Auto Rates

Greatest Rates Around

Discover why so many choose Family First

Model YearTermAPR with DiscountsNon-Discounted APR
2021 and Newer Models1 – 60 Month5.70%*6.45%
 61 – 66 Months5.70%*6.45%
 67 – 72 Months5.80%*6.55%
 73 – 84 Months6.70%*7.45%
 ($25,000 min)  
Used Cars   
2020 Models1 – 60 Months6.05%**6.55%
 61 – 66 Months6.05%**6.55%
 67 – 72 Months6.20%*6.70%
 73 – 84 Months7.15%*7.65%
2019 Models1 – 60 Months6.15%*6.65%
 61 – 66 Months6.20%*6.70%
 67 – 72 Months6.35%*6.85%
 73 – 78 Months7.30%*7.80%
2018 Models1 – 60 Months6.25%*6.75%
 61 – 66 Months6.40%*6.90%
 67 – 72 Months6.70%*7.20%
2017 Models1 – 60 Months7.00%*7.50%
 61 – 66 Months7.15%*7.65%
2016 Models1 – 60 Months


 61 – 66 Months7.30%*7.80%
2014 – 2015 Models1 – 60 Months7.25%*7.75%
2012 – 2013 Models1 – 48 Months7.45%*7.95%

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 AND .25% discount for LTV (loan to value) of 80% or lower MSRP on above stated rate.

* *This rate includes a .50% special discount for having direct deposit or automatic payments.

Rates are valid as of 12/08/2022.

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.

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