Personal Savings Accounts

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Regular Share Account

A minimum $10 deposit is all you need to open a Savings Account. This establishes your ownership with Family First Credit Union and makes all of our products and services available to you. Dividends are paid quarterly.

Enjoy easy access to your account 24/7 by: ATM, Netbranch-Online Account Access, CheckFree-Online Bill Payment, or by calling Teller 24.

Direct Deposit of your payroll or Social Security to your Family First Credit Union account can make saving or paying off a loan even easier. Our routing & transit number: 272484674 and your FFCU account number is all you need to get started.

Certificate of Deposit (CD)

Certificates offer a higher rate of return and are available in terms from 3 to 60 months. Access to funds is limited to maturity to withdrawal without penalty. Minimum investment: $500 for 3, 6, 12 month terms. Minimum investment: $1,000 for 18, 24, 36, 48, 60 month terms

Save to Win Certificate of Deposit (CD)

The Save to Win Account is a share certificate designed as an affordable way to help build up your savings, with an interesting way to do it. You can add to your Save to Win CD at any time! For every $25 in month-over-month balance increase, you will receive one entry for a chance to win monthly and quarterly prizes; up to 10 entries per month / 30 entries per quarter.

Want to learn more about Save to Win? Click here for program disclosure and prize entry rules.

Youth Certificate of Deposit (YCD)

This is a great savings option for your younger kids. Kids have plenty of time to save and allow their money to work for them. Minimum investment: $100/$2,000 maximum. Limit one Youth CD per account. For eligible members 23 years and younger.

Money Market Account

Our Money Market Account begins earning interest on balances over $1,000. Our MMA rates are tiered, earn higher dividends for higher balances. Earn even more when you have a Money Market Account with Direct Deposit and active Checking Account with Family First CU. You still have easy access to your Money Market funds when you need them.

Individual Retirement Account (IRA)

Family First offers both an IRA Savings Account and Traditional and Roth IRA CDs for your retirement planning needs. IRA savings are insured separate from your regular savings up to $250,000 by the National Credit Union Administration, (NCUA).

Coverdell Educational Savings Account (ESA)

This savings account is used specifically for saving for education expenses. Earnings grow tax-deferred and distributions are tax-free if the money is used to pay for qualified education expenses. Contributions cannot exceed $2,000 per year/per child.

Christmas Club

Be prepared for next Christmas by joining our Christmas Club. Make a deposit when you have the extra money or by using payroll deduction and have a set amount transfer to your Christmas Club with each direct deposit of your paycheck.

Christmas Club funds are transferred to your Savings Account in October so you can get a head start on your holiday shopping.