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Benefits of Membership

Family First Credit Union membership is open to anyone that lives, works, worships or attends school in Saginaw, Bay, Midland, or Genesee Counties. This includes anyone related by blood, marriage or a foster child living in the household of a member. Membership is open to any retiree age 55 or older, receiving a pension and residing within the boundaries of Saginaw, Bay, Midland, or Genesee Counties, Michigan.

Your Credit Union - The money works for you conveniently and confidentially

A credit union is a member-owned, democratically controlled consumer financial cooperative - each member is an owner, saver and a potential borrower. Credit unions are non-profit organizations founded under the concept of people-helping-people - credit unions cooperate within their structures and with each other. By members pooling their money to purchase shares, low cost loans are made to fellow members. In turn, as these loans are repaid, the interest received is used to pay dividends to the shareholders. All earnings, above expenses and reserves, are returned to you, the member. The more you participate the more you share the benefits. Today, more than 84 million people in the United States are members and part owners of their own financial institutions - their credit union (MCUL - 2003).

Once a member - Always a member

After joining the credit union, you are a member for life. Whether you change jobs, move out of the area, retire, transfer or leave the field of membership, you may still retain your membership.

Mission Statement

Family First Credit Union is dedicated to providing a full range of financial services to our members in a prompt, friendly and courteous manner.

Vision Statement

Family First Credit Union will be the preferred financial institution to our members and potential members by offering financial products and services for their lifetime. We will provide outstanding, responsive and professional service to our members. Our commitment is to be actively involved in our community as well as in the credit union movement and we believe in its philosophy.

Core Values

Philosophy - We are a non-profit organization that believes in the credit union philosophy of “Members Helping Members”.

Ethical and Legal Behavior – We conduct business in a manner that requires excellence in integrity, trust, privacy, confidentiality, accountability and mutual respect.

Member Service – We provide our valued members the highest level of professional service and respect – our members come first.

Teamwork – We work together to achieve common goals and measure, evaluate and recognize our successes.

Staff Development - We provide guidance and motivation to our staff through education, information, communication and policy development.

Adaptive to Change – We are an ever-learning organization that pursues innovation and change to meet future challenges.

Organizational Growth – We will provide future growth opportunities through performance and planning initiatives.

Community Service – We dedicate our time and resources to causes that make a difference in our community.


In order to open an account, add a signor, or make a loan: Federal law now requires Family First Credit Union to obtain and retain information for verifying the identification of the account creator.

In addition, as of 10/01/2002 FFCU will be requiring valid authorized photo identification (i.e. Driver's license, State ID card, or passport) in order to open any FFCU account.

If you have any questions about this, or the USA PATRIOT Act disclosures, or if you would like to read the underlying federal law, please refer to 31 CFR 103.121 (b). or call:

Family First Credit Union