What are the current interest rates at Focus First Federal Credit Union?

Current rates for Focus First Federal Credit Union include: Savings: 5.00%

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Focus First Federal Credit Union

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Focus First Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Focus First Federal 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 6, 2026

Focus First Federal Credit Union's savings rates are at 5.00%. MonitorBankRates evaluates the financial stability of Focus First Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.27%. Rates were last updated on 05/06/2026.

Focus First Federal 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 Focus First Federal Credit Union? Share your experience about Focus First Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Focus First Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.27%

Excellent Lower than avg

Focus First Federal Credit Union
main

2113 Chili Ave
Rochester, NY 14624

https://www.focusfirstfcu.org

Focus First Federal Credit Union Savings Rates

Product	Rate	APY	View More
Companion Savings	-	5.00%
Details 1% Unlimited Cash Back; 1.00% APY on Checking Balance; No Minimum Balance; No Monthly Relationship Fee Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

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.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Focus First Federal 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 Focus First Federal 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 Focus First Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Focus First Federal Credit Union

Website https://www.focusfirstfcu.org

Address 2113 Chili Ave, Rochester, NY 14624

Phone 585-458-9220

Fax 585-458-4771

President lloyd hogle

CEO Scott Neal

Full-Time Employees 3

Part-Time Employees 1

Branch Locations 1

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.27%

Return on Assets (ROA)

-1.5434%

Return on Equity (ROE)

-3.5325%

Non-Performing Loans Ratio (NPL)

0.64%

Total Assets

10,898,836

Total Amount of Shares and Deposits

6,134,769

Total Shares and Deposits < 1 Year

5,870,384

Total Shares and Deposits 1 3 Years

264,385

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

347,751

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

347,751

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

5,787,018

Total Interest Expense (Sum of items 6 8)

58,313

Share Certificates

137

Number of Accounts for Share Drafts

186

Number of Accounts for Regular Shares

704

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,872,237

Total Liabilities

6,137,156

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Focus First Federal Credit Union

How many branches does Focus First Federal Credit Union operate?

Focus First Federal 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 Focus First Federal Credit Union?

Yes, to access services at Focus First Federal 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, Focus First Federal 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, Focus First Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Focus First Federal Credit Union offer online and mobile banking?

Most modern institutions like Focus First Federal 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.focusfirstfcu.org.