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 Rates

Greatest Rates Around

Discover why so many choose Family First

Home Improvement – Secured 1 – 60 MonthsAs low as 6.50%
  61 – 120 MonthsAs low as 7.50%
Pool and Hardscape Loans^ 1 – 60 MonthsAs low as 5.75%
  60 – 120 Months As low as 6.00%
Home Equity: Closed End Fixed (1)(3)No Closing Costs  
Up to 90% 1 – 60 MonthsAs low as 5.74%
  61 – 120 MonthsAs low as 6.74%
Closed End 3/1 ARM (1)No Closing Costs  
Up to 90% 180 Months36 month intro rate as low as 5.49%
   After Intro Period: as low as Prime Rate +0.0%.
Home Equity Line of Credit (2)*No Closing Costs10 year draw periodRate may adjust quarterly
Maximum LTV: 80% 20 year repaymentAs low as Prime – 0.25%. Currently 6.75%
Home Equity Line of Credit (2)*No Closing Costs10 year draw periodRate may adjust quarterly
Maximum LTV: 80.01% – 90% 20 year repaymentAs low as Prime + 0.00%. Currently 7.00%
New Mobile HomeDown Payment Required1 – 180 MonthsPrime + 3.5%
Used Mobile HomeCall for Details1 – 120 MonthsPrime + 5.0%

Disclosure: Membership eligibility required. Loans subject to credit approval and application. Actual rates may vary. APR is Annual Percentage Rate.

*Intro rate valid as of 4/4/22. After 7 months, HELOC assigned rate will be applied. Offer is for a limited time and subject to change without notice. See disclosure for full details.

Prime rate as of 11/3/2022 listed in the Wall Street Journal is 7.00%. Family First FCU is an equal housing lender.

^Pool loans have the following stipulations: In-ground pools only (can include hardscape – concrete and fencing); minimum loan amount $10,000; maximum loan amount $70,000; A mortgage will be filed on the property –mortgage tax, recording fees and flood certification will be paid by CU, if the loan is paid off within the first 24 months of origination the fees will be paid back by the borrower (TRID rule apply – LE and CD need to be issued – there will be a 3 day rescission period before funds can be disbursed); Items needed at application include estimate from the contractor installing the pool, copy of deed (showing ownership of property), income verification may be requested.

(1) Home Equity Closed End, fixed or 3/1 ARM less than $15,000, member must pay closing costs.

(2) Home Equity closing costs must be paid back if loan is paid off and closed within the first 36 months. Home Equity line of credit has a 10 year draw period with a 20 year repayment period. Rates vary by loan to value.The rate will not exceed 14.95% APR. The floor rate is 3.95%

(3) Subject to credit eligibility.

Home Equity Line of Credit loans originating between 11/3/2008 and 7/31/2016 have a floor rate set at 4.00%. All new loans originated starting on 8/1/2016 will have a floor rate of 3.95%. 3/1 ARM rates have a ceiling of 6.00% higher than the rate at which they were opened.

Rates are valid as of October 12, 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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