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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Family First Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Family First Credit Union's 4 month Youth CD rates are at 4.00%, 6 month CDs of Deposit rates are at 3.75%, 12 month CDs of Deposit rates are at 3.50%, 12 month Save to Win CD rates are at 3.50%, Traditional/Roth IRA CDs 12 month rates are at 3.50%. Family First Credit Union's savings rates are at 0.00%. Family First Credit Union's money market rates are at 0.10%. Family First Credit Union's Personal Loan Rates are at 10.99%. 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 14.34%. Rates were last updated on 04/19/2026. 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. Family First Credit Union
Saginaw Office 1011 N Michigan Ave
https://www.fam1st.com Saginaw, MI 48602 4326 
Family First Credit Union CD Rates
Family First Credit Union Savings Rates
Family First Credit Union Money Market Rates
Family First Credit Union Checking Rates
Family First Credit Union Mortgage Rates
Family First Credit Union Home Equity & HELOC
Family First Credit Union Auto Loan Rates
Family First Credit Union Credit Card Rates
Family First Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A- (93/100)
Texas Ratio
14.34%
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
Frequently Asked Questions About Family First Credit UnionIs Family First Credit Union a safe place to deposit money?Yes, Family First Credit Union is considered a safe financial institution. With a Texas Ratio of 14.343498283842%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Family First Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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