ALERT: Family First has recently been made aware of a scam spoofing both our 585.586.8225 and 1.800.356.1101 phone numbers. Please exercise caution if you receive a phone call claiming to be from our Fraud Department. Learn more here.

All Family First branches and the call center will be closed on Monday, May 27 for Memorial Day. We hope you have a safe and enjoyable holiday.

Family First will be holding our Annual Meeting on Wednesday, March 24 at 8:30 AM at our Browncroft Office. Click this link to join us virtually through Microsoft Teams.  


Borrowing Done Right

Regardless what kind of loan you are looking for, we have all the tools to help you with your decision! At Family First FCY, we offer our members various types of loans with competitive rates and convenient payment options. We also refinance loans, so bring your high-interest loan to us to lower your rate and save money!

Loan applications are subject to membership eligibility requirements.

Our Loan Customers Include

  • Individuals
  • Families
  • Students
  • Businesses
  • Entrepreneurs
  • And More!

Our Loan Options

We have a variety of payment solutions to fit all financial situations: automatic loan payment options, on-line payment options and payment protection plans. Payments can be made with cash, check or electronic transaction. 

Personal Loans


Student Loans


Auto Loans

auto loan

Home Equity


Commercial Real Estate

business buildings


With the Family First Skip-A-Pay option, if you qualify, you’ll have one less bill to worry about this holiday season. It will ease your mind and your wallet, and Family First makes it simple.

Fill out the Skip A Pay Authorization Form, and either mail, fax, or drop it off at one of our convenient offices. If you have any questions about completing the form, feel free to call a member service representative at 585.586.8225.

For each approved application, a low $35 processing fee will automatically be deducted from your account. Please see the authorization form for complete details.

Insurance & Loan Protection

Guaranteed Asset Protection (GAP) –  In the case of an accident or theft when your vehicle is damaged beyond repair, Guaranteed Asset Protection will pay the loan amount difference after the insurance company’s settlement, giving you one less thing to worry about. We also now have a new Auto Deductible Reimbursement feature that is included with this product.

Mechanical Breakdown Protection -The Mechanical Breakdown Protection offers you a comprehensive extended warranty that protects you from the high cost of parts and labor if a breakdown occurs. 

This program includes rental reimbursement, 24-hour road-side assistance and towing reimbursement, and emergency travel expense when more than 100 miles from home. New and used vehicles up to 10 model years old with 100,000 miles or less are eligible for coverage. Repairs can be made at any pre-authorized mechanic repair facility and the plan pays the repair facility directly.

Payment Protection Plans – Family First offers affordable credit insurance that provides a safety net for your family in case of an untimely death or disability. With this insurance, you don’t have to worry about who will make your loan payments if you can’t.

Joining is Easy

Stop in and see what the Family First experience is all about

Convenience at your fingertips

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