Overview / Commentary
1011 N Michigan Ave
Saginaw, MI 48602-4326

Family First Credit Union (MI) is headquartered in Saginaw and is the 117th largest credit union in the state of Michigan. It is also the 1,879th largest credit union in the nation. It was established in 1939 and as of December of 2018, it had grown to 28 employees and 6,407 members at 3 locations. Family First Credit Union (MI)'s CD rates are 79% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Family First Credit Union of Michigan is open to the residents, church members, registered students, retirees 55+ receiving income compensation, and the people that maintain employment in these eligible counties: Saginaw, Bay, Midland, and Genesee as well as the family and/or household members of these eligible people.
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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

NCUA #61909
Year Chartered1939
Primary Regulator
Profit Margin
Return on Assets - YTD0.01%
Return on Equity - YTD0.16%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$75.6MM$81.1MM
LoansQ4 2018vs Q4 2017$48.7MM$50.2MM
DepositsQ4 2018vs Q4 2017$67.7MM$71.8MM
Equity CapitalQ4 2018vs Q4 2017$7.0MM$7.0MM
Loan Loss AllowanceQ4 2018vs Q4 2017$510.00K$559.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$478.00K$425.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* 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

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

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

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

2.90%$1k-60 Month CD
2.75%$1k-42 Months CD Special
2.60%$1k-48 Month CD
2.40%$1k-36 Month CD
2.25%$1k-18 Month CD Special
2.15%$1k-24 Month CD
2.00%$100-4 Month Youth CD
1.61%$1k-12 Month CD
1.25%$500-6 Month CD
1.00%$25-12 Month Save to Win CD
0.60%$500-3 Month CD

Family First Credit Union (MI) IRA Rates

2.90%$1k-60-Month IRA
2.60%$1k-48-Month IRA
2.40%$1k-36-Month IRA
2.15%$1k-24-Month IRA
1.61%$1k-12-Month IRA

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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