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Advertiser Disclosure
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 First Family Federal Credit Union Rates & Review October 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.
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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 and Verified: October 9, 2026
First Family Federal Credit Union's top rates as of October 9, 2026 are 4.00% APY on its CD (CD) - 1 Year JUMBO, 2.00% APY on money market accounts, personal loans from 8.99% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other First Family Federal Credit Union CD rates include CD (CD) - 2 Year JUMBO at 3.90%, CD (CD) - 3 Year JUMBO at 3.90%, and CD (CD) - 6 Month JUMBO at 3.90%. MonitorBankRates evaluates the financial stability of First Family Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.69%. Rates last updated and verified on 10/09/2026. First Family 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 First Family Federal Credit Union? Share your experience about First Family Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Family Federal Credit Union. First Family Federal Credit Union
Corporate office 315 W Main St
https://www.firstfamilyfcu.com Henryetta, OK 74437  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. First Family Federal Credit Union CD Rates
First Family Federal Credit Union Money Market Rates
First Family Federal Credit Union RV, Boat and Powersport Loan Rates
First Family Federal Credit Union Credit Card Rates
First Family Federal Credit Union Personal Loan Rates
First Family Federal Credit Union Other Rates
Financial Health HistoryFirst Family Federal Credit Union’s Texas Ratio fell from 6.64% in Q3 2023 to 3.69% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Family 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 First Family 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 First Family Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Family Federal Credit Union
Website
https://www.firstfamilyfcu.com
Address
315 W Main St,
Henryetta, OK 74437
Phone
918-652-4407
Fax
President
Tony Gustin
CEO
David Dykes, Jr.
Full-Time Employees
63
Part-Time Employees
10
Branch Locations
6
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.69%
Return on Assets (ROA)
0.2589%
Return on Equity (ROE)
2.2252%
Non-Performing Loans Ratio (NPL)
0.62%
Total Assets
154,392,579
Total Amount of Shares and Deposits
135,459,729
Total Shares and Deposits < 1 Year
130,905,316
Total Shares and Deposits 1 3 Years
4,554,413
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,591,353
Total Uninsured Shares and Deposits > $250K (F+J)
1,591,353
Total Insured Shares and Deposits > $250K (item 17 less item K)
133,868,376
Total Interest Expense (Sum of items 6 8)
1,048,473
Share Certificates
1,518
Number of Accounts for Share Drafts
10,459
IRA KEOGH Accounts
197
Number of Accounts for Regular Shares
19,447
All other shares
14
Non Member Deposits
1
Money Market Shares
337
Net Income (unless the amount is already included in Undivided Earnings)
311,293
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,645,448
Total Liabilities
137,273,861
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for First Family Federal Credit Union
Frequently Asked Questions About First Family Federal Credit UnionHow many branches does First Family Federal Credit Union operate?First Family 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 First Family Federal Credit Union?Yes, to access services at First Family 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, First Family 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, First Family Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Family Federal Credit Union offer online and mobile banking?Most modern institutions like First Family 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.firstfamilyfcu.com. Current First Family Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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