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Family First Credit Union

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Family First Credit Union Rates & Review July 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: July 16, 2026

You can compare Family First Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.35%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 0.05%. Savings rates are at 0.00% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.51%. All these rates can be compared to Family First Credit Union rates. 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 13.11%. Rates were last updated on 07/16/2026.

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: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.11%

Excellent Higher than avg

Family First Credit Union
Saginaw Office

1011 N Michigan Ave
Saginaw, MI 48602 4326

https://www.fam1st.com

Current Rate Availability

We do not have Family First Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

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.fam1st.com

Address 1011 N Michigan Ave, Saginaw, MI 48602 4326

Phone 989-759-1686

Fax 989-752-4992

President Maurice Patterson

CEO Janie Smith

Full-Time Employees 23

Part-Time Employees 7

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 (93/100)

Texas Ratio

13.11%

Return on Assets (ROA)

0.4284%

Return on Equity (ROE)

4.5384%

Non-Performing Loans Ratio (NPL)

2.99%

Total Assets

101,543,542

Total Amount of Shares and Deposits

92,473,640

Total Shares and Deposits < 1 Year

89,809,905

Total Shares and Deposits 1 3 Years

2,016,590

Total Shares and Deposits > 3 Years

647,143

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

28,526,913

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

28,526,913

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

63,946,727

Total Interest Expense (Sum of items 6 8)

677,308

Share Certificates

850

Number of Accounts for Share Drafts

3,015

IRA KEOGH Accounts

220

Number of Accounts for Regular Shares

6,170

Money Market Shares

122

Net Income (unless the amount is already included in Undivided Earnings)

435,048

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

12,097,251

Total Liabilities

92,206,227

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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</a>

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

Customer Reviews

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Total Reviews

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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.fam1st.com.