Family First
Family First
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

Visa Credit

Find The Right Visa Credit Card For You

The Family First VISA Credit card has two levels – Platinum and Classic. Both provide low rates for you to use  whether you are shopping around the corner or around the world. Our Platinum card also offers Rewards! points that you can use towards travel rebates, gift cards and cash.

Stuff your stocking with 0% interest on your new VISA Credit Card!

Open up a new Family First VISA Classic or Platinum Credit Card today and pay 0.00% APR on everything you purchase until June 28, 2021.

Transfer over another high interest credit card balance and the same offer applies – 0.00% interest until June 28, 2021 and no balance transfer fees. 

Click here for the full details and disclosures for this offer.


VISA Classic Credit Card

Use your Family First VISA Classic Credit Card whether you are shopping around the corner or around the world.  The VISA Classic features credit limits up to $12,000.  Your interest rate on the VISA Classic is based on your credit score and prime rate, ranging from 8.65% APR* to 18.00% APR.

  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • Personal auto rental collision damage waiver

No Fee VISA Platinum Credit Cards

Live the Platinum life! Reward yourself with a Family First VISA Platinum Credit Card and get low rates, no annual fees and points for cash back, merchandise, and gift cards. Save money by paying off the balances you maintain on higher rate credit cards. Simply use your VISA access checks or complete a balance transfer request form today.

  • Earn Rewards Points with every purchase to get cash back or use towards some of your favorite brands for travel, entertainment, and everyday needs! Click here to visit the Rewards! page.
  • A rate as low as 7.15% APR*
  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • Personal auto rental collision damage waiver
  • Want a picture of your pet on your card? Your kids? Your favorite sports team? Make it happen with Design It! photocards.

*Your APR is based on your creditworthiness and will vary with the market based on Prime Rate

Let's Work Together to Keep You and Your Card Safe

During a time when fraud is growing by double digits year-over-year, having the right tools in place to protect our members is a necessity for Family First. Our eGuard Secure Fraud solution will provide our members with an added layer of defense to mitigate fraud. eGuard provides a better cardholder experience and only challenges or declines cardholders when the system detects suspected fraudulent activity. Cardholders are automatically enrolled in the eGuard service and will have access to the following benefits:

  • An extra layer of security for online transactions.
  • Increased confidence in the safety of your online purchases.
  • When required, a simple easy-to-use interface.

To report a lost or stolen Debit or Credit Card, or fraudulent card activity, call immediately:

800.528.2273 (When the credit union is closed)
800.356.1101 (During credit union business hours)

woman using her cell phone


All Visa Credit cards are eligible for fraud protection through the MobiMoney App – if you misplace your card (or spend too much) easily deactivate your card temporarily right from the app on your phone. Reactivate when you are ready.

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