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Family First Credit Union

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Family First Credit Union Rates & Review May 2026

Q: Is a member application needed to join Family First Credit Union?

Yes, to access services at Family First Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Family First Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 18, 2026

Family First Credit Union's Personal Loan Rates are at 10.90%. MonitorBankRates evaluates the financial stability of Family First Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.38%. Rates were last updated on 05/18/2026.

Family First Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Family First Credit Union? Share your experience about Family First Credit Union by leaving a review below, or read customer reviews before you decide to use Family First Credit Union.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.38%

Excellent Higher than avg

Family First Credit Union
Family First Credit Union

3604 Atlanta Ave
Hapeville, GA 30354

https://www.ffcuga.org

Family First Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Vacation Unsecured Loan	-	-	10.90%
Details As Low As Last Updated 05/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%

Family First Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
HELOC Loans	-	-	6.75%
Details As Low As; all rates based on creditworthiness Last Updated 05/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%

Family First Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loans	-	-	4.15%
Details As Low As; all rates based on creditworthiness Last Updated 05/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Used Auto Loan	-	-	4.50%
No additional details. Last Updated 05/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%

Family First Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Cards	-	8.90%
Details As Low As; all rates based on creditworthiness Last Updated 05/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
VISA® Platinum Credit Card	-	8.90%
No additional details. Last Updated 05/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%

Family First Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loans	-	10.90%
Details As Low As; all rates based on creditworthiness Last Updated 05/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%
Personal Unsecured Loan	-	10.90%
Details As Low As Last Updated 05/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.38%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Family First Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Family First Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Family First Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Family First Credit Union

Website https://www.ffcuga.org

Address 3604 Atlanta Ave, Hapeville, GA 30354

Phone 404-768-4980

Fax 404-768-5496

President Brenda Bridge Ward

CEO Stephen Smith

Full-Time Employees 32

Part-Time Employees 5

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.38%

Return on Assets (ROA)

0.1501%

Return on Equity (ROE)

1.1122%

Non-Performing Loans Ratio (NPL)

2.21%

Total Assets

133,607,853

Total Amount of Shares and Deposits

115,324,568

Total Shares and Deposits < 1 Year

114,346,749

Total Shares and Deposits 1 3 Years

977,819

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

4,243,196

Total Uninsured Shares and Deposits > $250K (F+J)

4,243,196

Total Insured Shares and Deposits > $250K (item 17 less item K)

111,081,372

Total Interest Expense (Sum of items 6 8)

1,097,304

Share Certificates

731

Number of Accounts for Share Drafts

5,415

IRA KEOGH Accounts

282

Number of Accounts for Regular Shares

12,590

Money Market Shares

259

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

9,416,611

Total Liabilities

116,660,828

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Family First Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Family First Credit Union

Frequently Asked Questions About Family First Credit Union

How many branches does Family First Credit Union operate?

Family First Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Family First Credit Union?

Yes, to access services at Family First Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Family First Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Family First Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Family First Credit Union offer online and mobile banking?

Most modern institutions like Family First Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ffcuga.org.