Family First Credit Union (MI)

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CURRENT TOP RATE

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.40%	5-year CD	3.00% - American Express National Bank 60 Month CD
0.75%	1-year CD	2.55% - Goldman Sachs Bank USA High-yield 12 Month CD
0.10%	Savings	1.90% - American Express National Bank High Yield Savings Account

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Overview / Commentary

800-580-0330

1011 N Michigan Ave
Saginaw, MI 48602-4326

Family First Credit Union (MI) is headquartered in Saginaw and is the 116^th largest credit union in the state of Michigan. It is also the 1,852^nd largest credit union in the nation. It was established in 1939 and as of June of 2018, it had grown to 26 employees and 6,471 members at 3 locations. Family First Credit Union (MI)'s CD rates are 11% 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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Related Posts

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2008

12/8 - 4.50% 24-Month CD Family First Credit Union in Michigan

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Health

B

Data as of Q2 2018

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 Chartered	1939
Employees	26
Primary Regulator

Profit Margin
Return on Assets - YTD	0.04%
Return on Equity - YTD	0.41%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$79.1MM$79.7MM
Loans	Q2 2018vs Q2 2017	$49.3MM$47.9MM
Deposits	Q2 2018vs Q2 2017	$71.2MM$70.1MM
Equity Capital	Q2 2018vs Q2 2017	$6.9MM$7.1MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$524.00K$548.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$318.00K$326.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

Rates

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Money Market
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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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%^*	$100k^*	-	Money Market w/ Active Checking Account & Direct Deposit
OTHER TIERS: 0.05% → Up to $1k \| 0.20% → $1k - $25k \| 0.25% → $25k - $50k \| 0.30% → $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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.40%	$1k	-	60 Month CD
2.25%	$1k	-	48 Month CD
2.25%	$1k	-	18 Month CD Special
2.10%	$1k	-	36 Month CD
2.00%	$100	-	4 Month Youth CD
1.80%	$1k	-	24 Month CD
1.00%	$1k	-	12 Month CD
0.75%	$25	-	12 Month Save to Win CD
0.35%	$500	-	6 Month CD
0.25%	$500	-	3 Month CD

Family First Credit Union (MI) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.40%	$1k	-	60-Month IRA
2.25%	$1k	-	48-Month IRA
2.10%	$1k	-	36-Month IRA
1.80%	$1k	-	24-Month IRA
1.00%	$1k	-	12-Month IRA

Locations

Family First Credit Union (MI) Locations
Branch Office	6900 Midland Rd	Freeland, MI 48623-8759
Branch Office	1011 N Michigan Ave	Saginaw, MI 48602-4326
Branch Office	3550 Tittabawassee Rd	Saginaw, MI 48604-9428

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