Fraud Alert: We have received reports that our 585.586.8225 phone number is being spoofed with people claiming to be our Fraud Department and requesting personal information. Please do not give these people any personal information. Click here to read more. 

All Family First branches and the call center will be closed on Thursday, November 23 for Thanksgiving and closing early at 3:00 pm on Friday, November 24. Have a safe and enjoyable holiday!

The Henrietta branch will be undergoing renovations during the next couple weeks which may lead to some dust and debris in the branch. We apologize for any inconvenience this may cause.

Savings & CD's

Save Like Never Before

Nobody has ever said, “Man, I wish I had saved less money!”

No matter what your dreams are, regardless of your goals, it likely will take some money to fund them. We want to help you make them come true.

Family First Savings Accounts

We have what you are looking for to reach all your goals. At Family First you have the option to create as many sub-accounts as needed, each with their own name, to make budgeting for specific things as easy and streamlined as you want it to be.

  • Youth Savings Accounts
  • Money Market Accounts
  • Educational Savings Accounts
  • Health Savings Accounts
  • Retirement Accounts

Rest assured that your deposits are also fully insured by the NCUA, which is “backed by the full faith and credit of the United States of America”, up to $250,000.

Saving Made Simple

Certificates of Deposit

Family First CDs offer a risk-free investment vehicle with which to build your savings. Lock up your money with a competitive rate at the term that works for you. It's guaranteed! Withdrawal restrictions apply.

Direct Deposit

Direct Deposit is a free service that allows you to have your paycheck, government check, pension or annuity automatically deposited into your Family First CU account. Whether you are working in Monroe County or another country, save time, eliminate the chance of a lost or stolen check and increase your savings by having your payroll funds directly deposited and disbursed among your accounts anyway you like. Now that is saving made simple.


Our MoneyBuilder Account is a savings account with tiered interest rates based upon your balance – the more you save, the more you earn in dividends. This account is a great way to earn higher rates on your savings without locking them up for any length of time - plus, there is no minimum opening balance. Some withdrawal restrictions apply.

Money Market Gold

The Money Market Gold Account is the perfect fit for members who maintain a higher balance and would like to receive higher dividends but don’t want to commit the funds to a fixed term. The minimum balance to open and earn dividends on a Money Market Gold Account is $10,000. As you continue to save you will automatically be moved up in the tiers and earn higher dividends. Withdrawal restrictions apply.

Educational Savings Accounts

The Coverdell Educational Savings Account (ESA) allows you to set up an account to help save for your children’s future educational expenses. These accounts can be set up for anyone under the age of 18 and the funds saved in an ESA can be used for elementary, secondary or post-secondary education expenses. The ESA allows you to make annual after-tax contributions to a specially designated investment account for a designated beneficiary. Although the contributions are non-deductible, the account grows free of federal income taxes and qualified withdrawals are tax-free.

Holiday Club

A Holiday Club Account is an easy and convenient way to save for your holiday shopping. By making small consistent deposits into your Holiday Club, when it comes time to go shopping, you can get everything you need with the peace of mind that you have saved enough money.
On the last day of September the balance will be automatically transferred to your savings account, just in time to start your holiday shopping.

Health Savings Account (HSA)

Want more control over your medical expenses? Have you recently had to change to a High Deductible Health Plan (HDHP)? Consider a Health Savings Account (HSA) to help you save for future medical expenses. A Family First HSA is a no-fee, tax exempt account established exclusively for the purpose of paying medical expenses when you have a High Deductible Health Plan.

Retirement Accounts

Have you started planning for retirement? Feel more secure with a Family First IRA. Start saving now with Family First’s 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.

Don’t Know Where to Start?

Check out all our Savings Calculators to help you determine your goals!

Our rates are as good as they come.

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