Financial Products
Share Accounts (Savings)
A share account is the most basic of all Credit Union accounts and it is a required account for all members. When you join the Credit Union, you become an owner based upon your Credit Union share. This is why your savings account at a CU is called a Share account.
See our current Share rates.
Share-Draft Accounts (Checking)
A share-draft account is a Credit Union name for your checking account. This is an account which allows you to write drafts to others. These drafts (Checks) allow merchants or others to redeem your payment without your having to carry cash.
An additional benefit of your share-draft account is the ability to stop drafts when needed.
Since Share drafts largely include only transient amounts, there is no dividend earned on share-draft balances.
Christmas Club Accounts
An FFCU Christmas Club account allows you to specify a certain amount of money to be placed into a separate account for use at Christmas. It is especially useful when paired with direct deposit to place a set amount from each paycheck for use next Christmas.
See our current Christmas Club rates.
ATM / Debit Cards
Debit
An FFCU Debit card is truly the next generation of ATM card. The primary difference from the traditional card is the added functionality. A Debit card works just like your trusty ATM card with respect to Withdrawals of money at ATM locations worldwide, but a Debit card also allows you to write a check anywhere that accepts a credit card . . . Without actually having to carry a checkbook or write a check. By running your card through the scanner, MasterCard agrees to pay the bill and deduct the money from your account. If there is a problem, MasterCard loses out, not you, the cardholder.
Debit cards provide extra security beyond that of a check, federal law prohibits losses greater than $50 for instances of fraud or theft when reported promptly after discovery of the fraudulent transaction.
ATM
Family First's ATM cards offer the same reliability and no-fee service that you have known for years. Access over 800 no-fee Teller Machines across Michigan and withdraw money or make balance inquiries.
VISA
A Family First Credit Union VISA carries no annual fee, no hidden charges, and a low 8.9% APR on purchases, transfers, and cash advances.
Individual Retirement Accounts
Family First offers a wide selection of IRA products including the following:
- Traditional - The Traditional IRA offers tax-deferred growth until withdrawal.
- Education - The Education IRA also offers tax-deferred growth until withdrawal, but allows withdrawals for qualified education expenses. Also, funds can be transferred from one child's account to an account for another child in the family.
- Roth - This newer IRA form allows easy access to contributions when needed. Since post tax income is deposited instead of pre-tax income, there is no penalty for withdrawal.
For more complete differences between IRA forms, download our IRA comparison form here.
See our current IRA rates.
Certificates of Deposit
FFCU offers the following Certificate options:
- 12-month certificate of deposit for amounts of $500 and up.
- 24-month certificate of deposit for amounts of $5,000 and up.
- 36-month certificate of deposit for amounts of $10,000 and up.
See our current Certificate rates.
Loans - Check our current rates
- Automobile (New and Used) - Everyone needs a reliable car.
- Boat (New and Used)
- Home Improvement - Make the repairs that are needed to keep your house a home.
- Real Estate - Purchase that dream home you have been wanting.
- Home Equity - Use the equity in your home to get cash now.
- Education - FFCU education loans take the worry out of paying for school.
Renters Insurance
Did you know your personal property may not be covered by your landlord's insurance? Should a fire, forced-entry theft or other unexpected event occur, you'll be left with the high cost of replacing your computer and stereo equipment, televisions and other damaged or missing household items.
Renters Insurance protects your personal property and:
- Can cost less than 45 cents a day
- Offers up to $40,000 in personal property coverage
- Features up to $25,000 of coverage for personal liability claims
- Covers additional living expenses as the result of covered loss
- Brings valuable peace of mind
And, you can get a free, no-obligation quote online!
Don't wait until it's too late! It takes less than 5 minutes to apply online.
