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.

Home Equity Loans

The Best Option for a Home Equity Loan

Let your home’s equity work for you. Our home equity loan allows you to take a second mortgage out on your home and use the funds for almost any purpose. Your home equity loan can be for an amount up to 90% of your home’s equity depending on the type, with terms of up to 20 years.

Home Equity Loans

Whichever Home Equity Loan product you choose, there are some powerful benefits. Home Equity Loans can be used as a long-term loan or short-term loan and for any purpose, including:

  • Financing a wedding
  • Purchasing a new car
  • Paying for college
  • Making home improvements
  • Paying off higher rate debts

Home equity loans are one of the lowest cost resources you have as a homeowner. Talk to Family First today about how a Home Equity Loan can benefit you.

Loan applications are subject to membership eligibility requirements.

Looking to Make Home Improvements?

Making improvements to your home is always a good investment.

Not only does it increase the value of your home, but it makes your home look and feel better. These loans are available for the purpose of making permanent improvements to the interior or exterior of your home. They can be secured with real property at a fixed rate and are a great option when property equity is limited. Loan decisions are usually made within 24 hours.

Our Home Improvement Loan Offerings

Minimum Loan Amount $5,000
Maximum Loan Amount 90% of your home’s value*, plus 50% of the improvement costs, less the current first mortgage balance
Term Up to 10 years

*The home’s value is determined by making an on-line assessment. Alternatively, the member can pay for an appraisal to determine the home’s value after improvements are completed.

**Exceptions may be granted by the Loan Officer in cases where it is in the best interest of the member and the Credit Union to make the loan; helping the member to make required repairs to the home.

Joining is Easy

We’re proud to offer some of the most competitive mortgage rates in town

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

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