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Family First Credit Union (MI)


Overview / Commentary
www.fam1st.com
800-580-0330
1011 N Michigan Ave
Saginaw, MI 48602-4326

Family First Credit Union (MI) is headquartered in Saginaw and is the 119th largest credit union in the state of Michigan. It is also the 1,887th largest credit union in the nation. It was established in 1939 and as of September of 2019, it had grown to 25 employees and 6,324 members at 3 locations. Family First Credit Union (MI)'s CD rates are 83% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Family First Credit Union offers membership to anyone who lives, works, worships or attends school in the Michigan counties of Bay, Genesee, Midland, or Saginaw. Anyone related by blood, marriage, or a foster child living in the household of a current member also qualifies for membership
See current membership details

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Health
A

Data as of Q3 2019

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Family First Credit Union (MI) has a relatively low asset base.

Health Grade Components

Overall
NCUA #61909
Year Chartered1939
Employees25
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD1.33%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$76.3MM$77.2MM
LoansQ3 2019vs Q3 2018$47.1MM$49.6MM
DepositsQ3 2019vs Q3 2018$68.3MM$69.3MM
Equity CapitalQ3 2019vs Q3 2018$7.2MM$6.9MM
Loan Loss AllowanceQ3 2019vs Q3 2018$478.00K$515.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$249.00K$408.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Family First Credit Union (MI); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Family First Credit Union (MI) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%--Coverdell ESA Share
0.25%*$50k*-IRA Passbook Account
OTHER TIERS: 0.05% → $101 - $1k | 0.15% → $1k - $25k | 0.20% → $25k - $50k
0.10%$5-Youth Savings
0.10%*$10k*-Adult Savings
OTHER TIERS: 0.05% → $500 - $10k
0.05%--Christmas Club

Family First Credit Union (MI) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$100k*-Money Market w/ Active Checking Account & Direct Deposit
OTHER TIERS: 0.15% → Up to $1k | 0.30% → $1k - $25k | 0.35% → $25k - $50k | 0.40% → $50k - $100k
0.15%*$100k*-Money Market w/o Active Checking Account & Direct Deposit
OTHER TIERS: 0.05% → $1k - $50k | 0.10% → $50k - $100k

Family First Credit Union (MI) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$50k*-Business Checking
OTHER TIERS: 0.05% → $10k - $25k | 0.10% → $25k - $50k
0.15%*$50k*-Premium Checking
OTHER TIERS: 0.05% → $2.5k - $25k | 0.10% → $25k - $50k
0.05%$2.5k-Basic Checking

Family First Credit Union (MI) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-36 Month CD
2.00%$1k-48 Month CD
2.00%$1k-60 Month CD
2.00%$100-4 Month Youth CD
1.85%$1k-24 Month CD
1.75%$1k-18 Month CD
1.65%$1k-12 Month CD
1.50%$25-12 Month Save to Win CD
1.25%$500-6 Month CD
0.60%$500-3 Month CD

Family First Credit Union (MI) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-36-Month IRA
2.00%$1k-48-Month IRA
2.00%$1k-60-Month IRA
1.85%$1k-24-Month IRA
1.65%$1k-12-Month IRA
Locations


Family First Credit Union (MI) Locations
Branch Office6900 Midland RdFreeland, MI 48623-8759
Branch Office1011 N Michigan AveSaginaw, MI 48602-4326
Branch Office3550 Tittabawassee RdSaginaw, MI 48604-9428

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