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.

All Family First branches and the Call Center will be closed on Monday, October 10 for Columbus Day. Have a safe and enjoyable holiday.

ALERT: Family First has recently been made aware of a scam spoofing our 585.586.8225 phone number. Please exercise caution if you receive a phone call claiming to be from our Fraud Department. Learn More…


Individual Retirement Accounts

Have you started planning for retirement? Feel more secure with a Family First IRA. You can start saving now with our flexible plans that have no maintenance fees or commission costs. Your retirement money is safe at Family First because it is not subject to market fluctuations and your retirement account is insured separately up to $250,000.

Which IRA is right for you?

Both Traditional and Roth IRAs offer attractive financial benefits, so which one best fits your needs? If you are unsure, consider this:

A Roth IRA is great if you don’t need a tax break right now. It’s a more flexible investment because you can withdraw regular contributions at any time, tax-free and penalty-free. The Roth IRA also offers flexibility during retirement because it does not require that you start taking distributions at age 70 ½.

A Traditional IRA is an excellent choice if you want a tax deduction now or if you anticipate being taxed at a significantly lower rate in retirement.  Earnings build tax-free until withdrawn and then are subject to income tax based on your taxation rate at the time of withdrawal. 

With either IRA option you can save your money in smart investment options at Family First.  Family First offers risk-free IRA Savings, IRA Certificates and an IRA MoneyBuilder Account.  The best part is the sooner you start saving, the more you’ll enjoy retirement.

Ways to Save

IRA MoneyBuilder Account
You can choose to invest your IRA funds into an IRA MoneyBuilder and benefit from the higher tiered rates this account offers. It works the same way – the more you save the more you’ll earn in dividends. Set up direct deposit and your funds will automatically be contributed to the current year IRA. A $1500 minimum opening balance is required.

IRA Certificates
IRA Certificates are a secure way to save for your retirement. Family First offers Traditional or Roth IRA Certificate options with a variety of terms from 3 to 60 months. Competitive dividend rates are compounded daily and reinvested. Minimum opening deposit of $500 required.

Joining is easy

Convenience at your fingertips

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