Family First
Family First

We are currently experiencing issues with our call center phone system and some calls may not connect. Our vendor is working on this issue. We apologize for any inconvenience.  

The Penfield ATM is being serviced and is temporarily unavailable. We apologize for the inconvenience.

We have been informed that some debit and credit card authorizations are currently being rejected. Our card processor has been informed and is working to rectify the situation. We apologize for any inconvenience this may cause.

Other Rates

Greatest Rates Around

Discover why so many choose Family First

 TermAPR
Personal Loans1 – 36 MonthsAs low as 8.24%
 36 – 60 MonthsAs low as 9.20%
Debt Consolidation1 – 36 MonthsAs low as 9.24%
 37 – 60 MonthsAs low as 10.20%
Pool and Hardscape Loans^1 – 60 MonthsAs low as 6.75%
 60 – 120 MonthsAs low as 7.00%
Misc. Secured1 – 36 MonthsAs low as 8.15%
 37 – 60 MonthsAs low as 8.75%
 60 – 84 MonthsAs low as 9.75%
New Boats, RV, Motorhomes1 – 60 MonthsAs Low as 6.65%
 61 – 120 MonthsAs Low as 7.20%
Used Boats, RV, Motorhomes1 – 60 MonthsAs Low as 7.20%
 61 – 120 MonthsAs Low as 8.20%
Share Secured1 – 144 MonthsDividend Rate + 2%
Rate may adjust quarterly  
Certificate Secured1 – 144 MonthsDividend Rate + 2%
Rate adjusted at certificate maturity  
MoneyLine (Line of Credit) 15.90%

APR is annual percentage rate.

^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.

Rates are valid as of 06/05/2023.

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.

You are now leaving https://home.familyfirstny.com/

By accessing this link you will be leaving the Family First Federal Credit Union’s website and entering a website hosted by another party. Family First Federal Credit Union is not responsible for its products, services, or overall website content. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Family First Federal Credit Union. If you choose to conduct business there, you will be conducting business with another party’s website.