Family First
Family First

ALERT: Family First has recently been made aware of a Spectrum Cable scam involving a “service install”. Please exercise caution if you receive a phone call from someone claiming to be Spectrum and offering these services.

All Family First branches and the call center will be closed on Thursday, November 24 for Thanksgiving and will be closing early at 3PM on Friday, November 25. Have a safe and enjoyable holiday!

The Family First Penfield Branch ATM is currently unavailable. We apologize for any inconvenience this may cause and are working to rectify the situation.

Personal Loans

A Simpler Way to Borrow.

We simplify the loan process for you. Family First FCU offers our members various types of loans with competitive rates and convenient payment options. We also refinance loans, so bring your high-interest loan to us to lower your rate and save money.

Pool - Hardscape Loans

girl playing in pool

With this loan, Family First can provide you with a great rate and easy terms for your new pool or hardscape! This loan is for in-ground pools only and can include hardscape, concrete and fencing. Hardscape includes patios, decks, gazebos, outdoor kitchens, firepits and more!

  • The loan amount has to be a minimum of $10,000
  • Up to 120 months for your term
  • Rate as low as 5.75% APR (see loan rates page for details)
  • A mortgage will be filed on the property. Mortgage tax, recording fees and flood certification will be paid by Family First. If the loan is paid off within the first 24 months, the fees will be paid back to the credit union by the borrower.

Get excited to spend the summer in your new pool!

Loan applications are subject to membership eligibility requirements.

Our Personal Loans Help You Get One Step Ahead

Need a vacation? Want to buy new furniture? Family First can help with a quick and convenient personal loan.

Personal Loans have a fixed rate and do not require security. They are secured with your signature and can be used for almost any purpose. Our flexible terms ensure the payments will fit into your budget.

The minimum personal loan amount is $1,500 and Family First has both short term loans and longer term loans up to 60 months. Loan decisions are usually made within 24 hours.

Talk to Family First today about your personal loan needs

Consolidate your debt to lower your payments.

Do your credit card interest rates keep going up? Want the convenience of one low monthly payment? 

Family First has debt consolidation loans, which combine two or more outstanding debts into one loan, making it easier to pay and keep track of. These loans have fixed rates and loan decisions are usually made within 24 hours. Terms of up to 60 months are available. 

Talk to a friendly Financial Service Representative about how one monthly fixed payment can simplify your financial life.

Loan applications are subject to membership eligibility requirements.

Not convinced?

Joining is Easy

heart with a house inside of it

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

Convenience at your fingertips

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