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Family First
Family First

Certificates of Deposit are currently not appearing in Home Banking and our Mobile App. Our vendor is aware of this and is working to fix the issue. We apologize for any inconvenience this may cause.

Hours Changes: Beginning the week of Jan. 4, 2021, the Penfield Branch and the Call Center will be closing at 5:00 pm on Fridays and the Henrietta Branch will be closed on Saturdays.

Attention: Online banking may be temporarily unavailable on Dec. 4th, 2020 due to scheduled maintenance. We apologize for any inconvenience.

For immediate assistance, please call or text us at 585.586.8225

Other Rates

Greatest Rates Around

Discover why so many choose Family First

 TermAPR
Personal Loans1 – 36 MonthsAs low as 6.99%
 36 – 60 MonthsAs low as 7.95%
Debt Consolidation1 – 36 MonthsAs low as 7.99%
 37 – 60 MonthsAs low as 8.95%
Pool and Hardscape Loans^1 – 60 MonthsAs low as 5.50%
 60 – 120 MonthsAs low as 5.75%
Misc. Secured1 – 36 MonthsAs low as 6.90%
 37 – 60 MonthsAs low as 7.50%
 60 – 84 MonthsAs low as 8.50%
New Boats, RV, Motorhomes1 – 60 MonthsAs Low as 7.40%
 61 – 120 MonthsAs Low as 7.95%
Used Boats, RV, Motorhomes1 – 60 MonthsAs Low as 7.95%
 61 – 120 MonthsAs Low as 8.95%
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 12/05/2020.

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