What are the current interest rates at Family First Credit Union?

Current rates for Family First Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.25%, 24-Month CD: 3.25%, 60-Month CD: 3.25%, Savings: 1.00%, MMA: 0.75%

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Family First Credit Union Rates & Review October 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 and Verified: October 13, 2026

Family First Credit Union's top rates as of October 13, 2026 are 4.00% APY on its 4 Month Youth CD, 1.00% APY on savings, 0.75% APY on money market accounts, 0.20% APY on checking, 6.74% on its Mortgages - 10 Year Fixed, personal loans from 11.50% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other Family First Credit Union CD rates include 6 Month CDs of Deposit at 4.00%, 12 Month CDs of Deposit at 3.50%, and 12 Month Save to Win CD at 3.50%. Other Family First Credit Union mortgage rates include Mortgages - 15 Year Fixed at 6.74%, Mortgages - 20 Year Fixed at 7.10%, and Mortgages - 25 Year Fixed at 7.20%. 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 11.67%. Rates last updated and verified on 10/13/2026.

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 Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.67%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Family First Credit Union
Saginaw Office

1011 N Michigan Ave
Saginaw, MI 48602-4326

https://www.fam1st.com

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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.

Family First Credit Union CD Rates

Product	Rate	APY	Term
4 Month Youth CD	-	4.00%	4 Months
Min Deposit $100 Details Min./Max. Deposit $100/$2,000 (Max. Age 23 yrs.) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
6 Month Certificates of Deposit	-	4.00%	6 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
12 Month Certificates of Deposit	-	3.50%	12 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
12 Month Save to Win CD	-	3.50%	12 Months
Min Deposit $25 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
12 Month Traditional/Roth IRA CDs	-	3.50%	12 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
12 Month Youth Save to Win CD	-	3.50%	12 Months
Min Deposit $10 Details Max. Age 18 yrs. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
18 Month Certificates of Deposit	-	3.25%	18 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
24 Month Certificates of Deposit	-	3.25%	24 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
24 Month Traditional/Roth IRA CDs	-	3.25%	24 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
36 Month Certificates of Deposit	-	3.25%	36 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
36 Month Traditional/Roth IRA CDs	-	3.25%	36 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
48 Month Certificates of Deposit	-	3.25%	48 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
48 Month Traditional/Roth IRA CDs	-	3.25%	48 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
60 Month Certificates of Deposit	-	3.25%	60 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
60 Month Traditional/Roth IRA CDs	-	3.25%	60 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
3 Month Certificates of Deposit	-	0.50%	3 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%

Family First Credit Union Savings Rates

Product	Rate	APY
Youth Savings Account	-	1.00%
Min Balance $0 Details Balance: $0 & Up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Adult Savings	-	0.10%
Min Balance $10,000 Details Balance: $10,000.01 & Up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Adult Savings	-	0.05%
Min Balance $500 Details Balance: $500 - $10,000 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Christmas Club	-	0.05%
Min Balance $1 Details Balance: $1.00 & Up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%

Family First Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	-	0.25%
Min Balance $10,000 Details Balance: $10,000.01 & Up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Business Savings	-	0.15%
Min Balance $500 Details Balance: $500 - $10,000 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%

Family First Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	-	0.75%
Min Balance $200,000 Details Balance: $200,000 and up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Money Market Account	-	0.55%
Min Balance $100,000 Details Balance: $100,000 & Up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Money Market Account	-	0.45%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Money Market Account	-	0.35%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Money Market Account	-	0.25%
Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Money Market Account	-	0.10%
Min Balance $0 Details Balance: $0 - $999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%

Family First Credit Union Checking Rates

Product	Rate	APY
Premium Checking	-	0.20%
Min Balance $50,000 Details Balance: $50,000 & over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Premium Checking	-	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49.999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Premium Checking	-	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Premium Checking	-	0.05%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%

Family First Credit Union Business Checking Rates

Product	Rate	APY
Business Checking With Interest	-	0.15%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Business Checking With Interest	-	0.15%
Min Balance $100,000 Details Balance: $100,000 & over Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Business Checking With Interest	-	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Business Checking With Interest	-	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%

Family First Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgages - 10 Year Fixed	-	-	6.74%	10 years
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.74% ▲ 0.50 pts · high 6.74% / low 6.24% Oct 2, 20266.74%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Mortgages - 15 Year Fixed	-	-	6.74%	15 years
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.74% ▲ 0.50 pts · high 6.74% / low 6.24% Oct 2, 20266.74%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Mortgages - 20 Year Fixed	-	-	7.10%	20 years
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.60% → 7.10% ▲ 0.50 pts · high 7.10% / low 6.60% Oct 2, 20267.10%▲ from 6.60% Sep 14, 20266.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Mortgages - 25 Year Fixed	-	-	7.20%	25 years
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.70% → 7.20% ▲ 0.50 pts · high 7.20% / low 6.70% Oct 2, 20267.20%▲ from 6.70% Sep 14, 20266.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Mortgages - 30 Year Fixed	-	-	7.20%	30 years
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.70% → 7.20% ▲ 0.50 pts · high 7.20% / low 6.70% Oct 2, 20267.20%▲ from 6.70% Sep 14, 20266.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
New Motorcycle, Boat/Watercraft & RV Loans - 10 Year Fixed	-	-	7.74%	10 Year
Details As Low As; APR as low as; Minimum loan $50,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
New Motorcycle, Boat/Watercraft & RV Loans - 15 Year Fixed	-	-	8.55%	15 Year
Details As Low As; APR as low as; Minimum loan $65,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.55% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%

Family First Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans - 5 Year Fixed	-	-	6.99%	5 Year
Details APR as low as Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Home Equity Loans - 10 Year Fixed	-	-	7.25%	10 Year
Details As Low As; APR as low as Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Home Equity Loans - 15 Year Fixed	-	-	7.25%	15 Year
Details As Low As; APR as low as Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Home Equity Loans - 20 Year Fixed	-	-	8.00%	20 Year
Details As Low As; APR as low as Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%

Family First Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto - 2026-2024 with less than 25,000 miles	-	-	4.99%	Up to 36 Months
Details As Low As; Effective Date: Tuesday, October 13th, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 13, 20264.99%▲ from 4.74% Sep 18, 20264.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
New Auto - 2026-2024 with less than 25,000 miles	-	-	4.99%	Up to 48 Months
Details As Low As; Effective Date: Tuesday, October 13th, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 13, 20264.99%▲ from 4.74% Sep 18, 20264.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
New Auto - 2026-2024 with less than 25,000 miles	-	-	4.99%	Up to 60 Months
Details As Low As; Effective Date: Tuesday, October 13th, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 13, 20264.99%▲ from 4.74% Sep 18, 20264.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Used Auto 1-5 Model Year Old (2025-2021)	-	-	4.99%	Up to 36 Months
Details As Low As; Effective Date: Tuesday, October 13th, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 13, 20264.99%▲ from 4.74% Sep 18, 20264.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Used Auto 1-5 Model Year Old (2025-2021)	-	-	4.99%	Up to 48 Months
Details As Low As; Effective Date: Tuesday, October 13th, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 13, 20264.99%▲ from 4.74% Sep 18, 20264.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Used Auto 1-5 Model Year Old (2025-2021)	-	-	4.99%	Up to 60 Months
Details As Low As; Effective Date: Tuesday, October 13th, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 13, 20264.99%▲ from 4.74% Sep 18, 20264.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
New Auto - 2026-2024 with less than 25,000 miles	-	-	5.25%	Up to 72 Months
Details As Low As; Effective Date: Tuesday, October 13th, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 5.25% ▲ 0.26 pts · high 5.25% / low 4.99% Oct 13, 20265.25%▲ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
New Auto - 2026-2024 with less than 25,000 miles	-	-	5.25%	Up to 84 Months
Details As Low As; Effective Date: Tuesday, October 13th, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 5.25% ▲ 0.26 pts · high 5.25% / low 4.99% Oct 13, 20265.25%▲ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Used Auto 5+ Model Year & Older (2020 & older)	-	-	5.49%	Up to 36 Months
Details As Low As; Effective Date: Tuesday, October 13th, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Used Auto 5+ Model Year & Older (2020 & older)	-	-	5.49%	Up to 48 Months
Details As Low As; Effective Date: Tuesday, October 13th, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Used Auto 5+ Model Year & Older (2020 & older)	-	-	5.49%	Up to 60 Months
Details As Low As; Effective Date: Tuesday, October 13th, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Used Auto 1-5 Model Year Old (2025-2021)	-	-	5.75%	Up to 72 Months
Details As Low As; Effective Date: Tuesday, October 13th, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.75% ▲ 0.51 pts · high 5.75% / low 5.24% Oct 13, 20265.75%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%

Family First Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle, Boat/Watercraft & RV Loans - 36-59 Months	-	6.50%	36-59 months
Details As Low As; APR as low as; Used/New: New Motorcycle, Boat/Watercraft & RV Loans Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Used Motorcycle, Boat/Watercraft & RV Loans - 36-59 Months	-	6.74%	36-59 months
Details As Low As; APR as low as Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
New Motorcycle, Boat/Watercraft & RV Loans - 60-84 Months	-	6.90%	60-84 months
Details As Low As; APR as low as; Used/New: New Motorcycle, Boat/Watercraft & RV Loans Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.90% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Used Motorcycle, Boat/Watercraft & RV Loans - 60-84 Months	-	7.24%	60-84 months
Details As Low As; APR as low as Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
New ATVs Loan	-	7.50%	Up to 60 Months
Details As Low As; Motorcycle/ATV loan Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
New Motorcycle, Boat/Watercraft & RV Loans - 10 Year Fixed	-	7.74%	10 Year
Details As Low As; APR as low as; Minimum loan $50,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Used ATVs Loan	-	7.74%	Up to 60 Months
Details As Low As; Motorcycle/ATV loan Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
New ATVs Loan	-	7.75%	84 Months
Details Term: 84 Months (for new only); As Low As; Motorcycle/ATV loan Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Used Motorcycle, Boat/Watercraft & RV Loans - 10 Year Fixed	-	8.00%	10 Year
Details As Low As; APR as low as; Minimum loan $50,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
New Motorcycle, Boat/Watercraft & RV Loans - 15 Year Fixed	-	8.55%	15 Year
Details As Low As; APR as low as; Minimum loan $65,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.55% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Used Motorcycle, Boat/Watercraft & RV Loans - 15 Year Fixed	-	8.74%	15 Year
Details As Low As; APR as low as; Minimum loan $65,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%

Family First Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	8.90%
Details APR as low as; Regular APR not stated on page Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%

Family First Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans	11.50%
Details As Low As; APR as low as Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 11.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%

Family First Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
12 Year Balloon - amortized 15/30 Loan	-	-	6.75%	12 years
Details As Low As; Balloon loan amortized over 15/30 years Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
5 Year Balloon - amortized 15/30 Loan	-	-	6.25%	5 years
Details As Low As; Balloon loan amortized over 15/30 years Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
7 Year Balloon - amortized 15/30 Loan	-	-	6.25%	7 years
Details As Low As; Balloon loan amortized over 15/30 years Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
9 Year Balloon - amortized 15/30 Loan	-	-	6.25%	9 years
Details As Low As; Balloon loan amortized over 15/30 years Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Credit Builder Loans (12 to 24 mos)	-	-	11.50%	12 to 24 months
Details As Low As; APR as low as Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Emergency Loan	-	-	18.00%
Details As Low As; + Fees; Other Loans Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Quick Cash (No Credit Check) Loan	-	-	18.00%	11 Month
Details As Low As; No Credit Check; APR as low as Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Certificate of Deposit - 12 Months	-	-	3.50%	12 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Certificate of Deposit - 18 Months	-	-	3.25%	18 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Certificate of Deposit - 24 Months	-	-	3.25%	24 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Certificate of Deposit - 3 Months	-	-	0.50%	3 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Certificate of Deposit - 36 Months	-	-	3.25%	36 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Certificate of Deposit - 48 Months	-	-	3.25%	48 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Certificate of Deposit - 6 Months	-	-	4.00%	6 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Certificate of Deposit - 60 Months	-	-	3.25%	60 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
IRA Passbook Account	-	-	0.05%
Min Balance $101 Details Balance: $101.00 - $1,000.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
IRA Passbook Account	-	-	0.15%
Min Balance $1,001 Details Balance: $1001.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
IRA Passbook Account	-	-	0.20%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
IRA Passbook Account	-	-	0.25%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Save to Win CD - 12 Months	-	-	3.50%	12 Months
Min Deposit $25 Details Save to Win CD Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Traditional/Roth IRA CDs - 12 Months	-	-	3.50%	12 Months
Min Deposit $1,000 Details IRA certificate; Minimum Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Traditional/Roth IRA CDs - 24 Months	-	-	3.25%	24 Months
Min Deposit $1,000 Details IRA certificate; Minimum Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Traditional/Roth IRA CDs - 36 Months	-	-	3.25%	36 Months
Min Deposit $1,000 Details IRA certificate; Minimum Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Traditional/Roth IRA CDs - 48 Months	-	-	3.25%	48 Months
Min Deposit $1,000 Details IRA certificate; Minimum Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Traditional/Roth IRA CDs - 60 Months	-	-	3.25%	60 Months
Min Deposit $1,000 Details IRA certificate; Minimum Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Youth CD - 4 Months	-	-	4.00%	4 Months
Min Deposit $100 Details Youth CD - Min./Max. Deposit $100/$2,000; Max. Age 23 yrs. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%
Youth Save to Win CD - 12 Months	-	-	3.50%	12 Months
Min Deposit $10 Details Youth Save to Win CD; Max. Age 18 yrs. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.67%

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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Financial Health History

Family First Credit Union’s Texas Ratio rose from 10.21% in Q3 2023 to 11.67% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$97M	11.67%	5.0	A
March 31, 2026	$101M	9.27%	5.0	A
December 31, 2025	$100M	12.08%	5.0	A
September 30, 2025	$102M	13.11%	5.0	A
June 30, 2025	$104M	10.67%	5.0	A
March 31, 2025	$106M	7.65%	5.0	A
December 31, 2024	$101M	12.63%	5.0	A
September 30, 2024	$99M	11.55%	5.0	A
June 30, 2024	$100M	8.03%	5.0	A
March 31, 2024	$100M	10.55%	5.0	A
December 31, 2023	$95M	8.70%	5.0	A
September 30, 2023	$94M	10.21%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 22

Part-Time Employees 5

Branch Locations 4

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 (94/100)

Texas Ratio

11.67%

Return on Assets (ROA)

0.1256%

Return on Equity (ROE)

1.2591%

Non-Performing Loans Ratio (NPL)

2.62%

Total Assets

96,758,805

Total Amount of Shares and Deposits

88,355,566

Total Shares and Deposits < 1 Year

85,344,774

Total Shares and Deposits 1 3 Years

2,118,252

Total Shares and Deposits > 3 Years

892,539

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

22,474,683

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

22,474,683

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

65,880,883

Total Interest Expense (Sum of items 6 8)

478,980

Share Certificates

921

Number of Accounts for Share Drafts

3,088

IRA KEOGH Accounts

221

Number of Accounts for Regular Shares

6,347

Money Market Shares

121

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

121,556

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)

7,509,298

Total Liabilities

87,390,766

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Family First Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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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

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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.

Current Family First Credit Union Rates

12-Month CD3.50%
18-Month CD3.25%
24-Month CD3.25%
60-Month CD3.25%
Savings1.00%
MMA0.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Family First Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

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Family First Credit Union Texas Ratio

Family First Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Family First Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Family First Credit Union

How many branches does Family First Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Family First Credit Union offer online and mobile banking?

Current Family First Credit Union Rates

Compare to Other Credit Unions