Family First
Family First

Beginning the week of June 6, the hours at our Henrietta Branch will be changing. Please click here for more information.

The Henrietta branch will be closed on Wednesday, July 13th. All other branches and call center remain open. We apologize for any inconvenience.

Home Rates

Greatest Rates Around

Discover why so many choose Family First

Term APR
Home Improvement – Secured 1 – 60 Months As low as 6.25%
61 – 120 Months As low as 7.25%
Pool and Hardscape Loans^ 1 – 60 Months As low as 5.50%
60 – 120 Months  As low as 5.75%
Home Equity: Closed End Fixed (1)(3) No Closing Costs
Up to 90% 1 – 60 Months As low as 4.99%
61 – 120 Months As low as 5.99%
Closed End 3/1 ARM (1) No Closing Costs
Up to 90% 180 Months 36 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 Costs 10 year draw period Rate may adjust quarterly
Maximum LTV: 80% 20 year repayment As low as Prime – 0.25%. Currently 5.25%
Home Equity Line of Credit (2)* No Closing Costs 10 year draw period Rate may adjust quarterly
Maximum LTV: 80.01% – 90% 20 year repayment As low as Prime + 0.00%. Currently 5.50%
New Mobile Home Down Payment Required 1 – 180 Months Prime + 3.5%
Used Mobile Home Call for Details 1 – 120 Months Prime + 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 7/28/22 listed in the Wall Street Journal is 5.50%. 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 March 17, 2022

More Ways We Can Help

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See first-hand how we can help turn your dreams into a reality at Family First.