Family First
Family First

Fraud Alert: We have received reports that our 585.586.8225 phone number is being spoofed with people claiming to be our Fraud Department and requesting personal information. Please do not give these people any personal information. Click here to read more. 

All Family First branches and the call center will be closed on Monday, September 4 for Labor Day. Have a safe and enjoyable holiday!

The Henrietta branch will be undergoing renovations during the next couple weeks which may lead to some dust and debris in the branch. We apologize for any inconvenience this may cause.

Auto Rates

Greatest Rates Around

Discover why so many choose Family First

Model YearTermAPR with DiscountsNon-Discounted APR
2022 and Newer Models1 – 60 Month6.70%*7.45%
 61 – 66 Months6.70%*7.45%
 67 – 72 Months6.80%*7.55%
 73 – 84 Months7.20%*7.95%
 ($25,000 min)  
Used Cars   
2021 Models1 – 60 Months7.05%**7.55%
 61 – 66 Months7.05%**7.55%
 67 – 72 Months7.20%*7.70%
 73 – 84 Months7.65%*8.15%
2020 Models1 – 60 Months7.15%*7.65%
 61 – 66 Months7.20%*7.70%
 67 – 72 Months7.35%*7.85%
 73 – 78 Months7.75%*8.15%
2019 Models1 – 60 Months7.25%*7.75%
 61 – 66 Months7.40%*7.90%
 67 – 72 Months7.70%*8.20%
2018 Models1 – 60 Months7.50%*8.00%
 61 – 66 Months7.65%*8.15%
2017 Models1 – 60 Months


 61 – 66 Months7.80%*8.30%
2015 – 2016 Models1 – 60 Months7.75%*8.25%
2013 – 2014 Models1 – 48 Months7.95%*8.45%

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 09/23/2023.

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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