 At Family First Credit Union, we make it simple to achieve your financial goals with flexible savings accounts and CDs tailored to your needs. Create as many sub-accounts as you need, each with a personalized name to streamline budgeting for specific expenses. Enjoy the convenience of surcharge-free ATMs, nationwide shared branching, and free Direct Deposit services that let you securely manage and grow your savings with ease.
Ways to Save
Family First Certificates of Deposit (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. CDs are available for all account types.
Withdrawal restrictions apply.
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Bundle it with a Debit Reward$ or Pinnacle Plu$ checking account to unlock 5.00% APY* on Companion Savings balances up to $10,000 while enjoying cash back or dividends on your everyday purchases and checking balances. Spend confidently, save effortlessly.
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ANNUAL CONTRIBUTIONS
- The maximum annual contribution is $2,000 for the designated beneficiary
- Contributions can be made until the designated beneficiary turns 18 years of age
- Funds may come from multiple parties (parents, grandparents, etc.)
- The account is in the name of the designated beneficiary
- Funds can be rolled over to a designated family member under the age of 30 if not used by the original named beneficiary
- Earnings are taxed if funds are used for non-qualified educational expense
- Distributions are allowed for qualified expenses, such as:
- Tuition
- Academic Tutoring
- Books
- Room & Board (and supplies)
- Qualified schools include:
- Colleges &. Universities
- Vocational Schools
- Elementary & Secondary Schools (K-12)
- May be public, private, or religious schools
Use your HSA to pay for qualified health expenses, then easily track your spending online with our free online and mobile banking services. Take advantage of:
- No maintenance fees
- No minimum balances
- Free Tap-to-Pay HSA Debit Card
- Total control of your HSA funds
HOW DOES IT WORK?
On the final day of September, the balance you’ve acquired in your Holiday Club will be automatically transferred to your savings account. Just in time to start your holiday shopping!
See Investment Rates >
Withdrawal restrictions apply.
See Investment Rates >
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.
See Investment Rates >
We offer several types of IRAs, including:
- Roth IRAs
- Traditional IRAs
- Roth Conversions
- Simple IRAs
- SEP IRAs
- Coverdell ESAs
All Family First members ages under the age of 18 have the benefit of free account service. This means no relationship or paper statement fees!  With just $5, you can get your child started down the road to savings.
Learn more about Family First Youth Accounts >
Funds on deposit at Family First FCU are insured up to $250,000 by the NCUA.
Accessing Your Account
At Family First, it’s easier than ever to access funds from your account! We participate in a shared ATM and branching network that allows surcharge-free access to ATMs and allows you to handle your finances at other credit unions across the country… just one of the perks of being part of our Family.
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.Â
Save time, eliminate the chance of a lost of stolen check, and increase your savings by having your payroll funds directly deposited and disbursed among your accounts any way you like!
Don't Know Where to Start?
Calculators
Check out all our Savings Calculators to help you determine your goals!
Rates
Our rates are as good as they come.
