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 26 for Memorial Day. We hope you have a safe and enjoyable holiday! 

Family First’s Home Banking and Mobile App are currently intermittently unavailable. Our vendor is aware of this and is working to remedy the situation. We apologize for any inconvenience this may cause. 

IRA & CD Rates

Greatest Rates Around

Discover why so many choose Family First

CD Specials

TermAPYMin. To Earn Dividend
Youth 12 Months*4.10%$50  (Allows additional deposits, capped at $10,000)
7 Months4.00%$500
13 Months3.85%$500
21 Months3.70%$500
Jumbo 7 Months4.15%$100,000**
Jumbo 13 Months4.00%$100,000**
Jumbo 21 Months3.85%$100,000**

*Youth certificates must be opened in a Youth Account with a minimum deposit of $50 to earn APY. Additional funds may be deposited throughout the term of this CD, with deposits capped at $10,000. Upon maturity, the CD will automatically renew at the current market rate if not moved. 

**Jumbo certificates require a minimum deposit of $100,000 with at least $10,000 new money. New money is money not on deposit with Family First over the last 60 days.

Certificate Rates

TermAPYMin. To Earn Dividend
3 – 5 Months0.15%$500
6 – 11 Months0.20%$500
12 – 17 Months0.25%$500
18 – 23 Months0.30%$500
24 – 35 Months0.35%$500
36 – 47 Months0.40%$500
48 – 59 Months0.45%$500
60 Months0.50%$500

Jumbo Certificates – Add 0.15% to any of the above CD rates with $100,000 minimum balance!**  Jumbo Certificates cannot be utilized on current CD specials. 

APY is annual percentage yield.

Rates and yields are set by the Credit Union Board of Directors and are subject to change without notice. Fees may reduce earnings on some accounts. The APY is based on the assumption that dividends remain on deposit until maturity. Federal regulations require a penalty for early withdrawal.

Rates are valid as of 05/21/2025.

More Ways We Can Help

Calculators

Our Savings Calculators help you discover the best way you can save for all the things you need and want.

Insights

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

Joining is Easy

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

Convenience at your fingertips

Joining is Easy

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

Convenience at your fingertips

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