Family First Credit Union Saginaw MI | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Family First, your trusted financial partner located at 1011 N Michigan Ave, Saginaw, MI 48602. Since our establishment in 1939, we have been dedicated to serving our members and the community with integrity and commitment. With a robust membership of 5,589 individuals, we take pride in offering personalized banking solutions tailored to meet your needs. At Family First, we understand that financial decisions can be daunting. That's why we're here to provide guidance every step of the way. Our total assets amount to an impressive $99,321,466, reflecting our stability and growth in the community. We offer a variety of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking options. Currently, our total deposits stand at $11,460,381, which showcases the trust our members place in us. Under the leadership of our CEO Janie Smith and Board President Maurice Patterson, we are committed to transparency and member satisfaction. Our team of 31 employees is always ready to assist you with your banking needs. With a net worth of $9,375,246 and cash readily available totaling $1,800,153, you can feel secure knowing your finances are in capable hands. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 1011 N Michigan Ave, Saginaw, MI 48602-4326. If you have any questions or need assistance, don't hesitate to reach out via phone at (989) 759-1686. Join us as we continue to grow together your financial journey starts here! Visit our website at Family First or stop by today; we're excited to help you achieve your financial goals!

Branch History & Mission

Join Us

As we continue this journey together into the future, we invite you to become part of the Family First community. Experience firsthand how our dedication to service can help you achieve your financial goals while making a positive impact right here in Saginaw. Together, let's build a brighter tomorrow! Visit us today or learn more about what we offer by checking out our website at Family First.

Mission-Driven Impact

At Family First, our mission goes beyond simply offering financial products. We believe in empowering individuals and families within our community. Our services include personal banking accounts, auto loans, mortgage refinancing, and business banking solutions tailored to support local enterprises. We also understand the importance of giving back. Through various outreach programs and partnerships with local organizations, we aim to uplift those around us by supporting education initiatives and community events. By working together with residents and businesses alike, we can create a stronger Saginaw for everyone. While members can visit us at 1011 N Michigan Ave Saginaw Mi 48602, official correspondence should be sent to 1011 N Michigan Ave, Saginaw, MI 48602-4326 for your convenience. If you have any questions or need assistance, feel free to reach out at (989) 759-1686.

Our Evolution

Located at 1011 N Michigan Ave in Saginaw, MI 48602, Family First has always been more than just a credit union; we are a community partner. Over the years, we have adapted to meet the changing needs of our members while staying true to our core values. As technology has advanced, so too have our services. We now offer online banking, mobile payments, and even personal loans all designed to make managing your finances easier. Our commitment to accessibility is evident in our operating hours. We are open Monday through Thursday from 9:00 a.m. to 5:00 p.m., Tuesday from 10:00 a.m. to 5:00 p.m., and Friday from 8:30 a.m. to 6:00 p.m., ensuring that you can reach us when you need us most. With an ATM on-site and drive-thru banking available, we strive to provide convenient options for all our members.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

You'll find us nestled near local favorites like the Saginaw Valley State University and the bustling downtown area. This prime location makes it easy for you to visit us while running errands or enjoying a day out. We take pride in providing ample parking options right outside our doors, ensuring that your visit is as smooth as possible. Our branch is fully ADA compliant, featuring ramps and accessible entrances so everyone can enjoy our services without hassle.

Operating Hours

At Family First, we value your time. Our lobby hours are designed to fit your busy schedule: we're open Monday, Wednesday, and Thursday from 9:00 a.m. to 5:00 p.m., Tuesday from 10:00 a.m. to 5:00 p.m., and Friday from 8:30 a.m. to 6:00 p.m. With extended hours on Fridays, we hope to accommodate those who might need a little extra time during the week.

Services Offered

Inside our welcoming space, you'll discover a range of services tailored just for you from personal banking options like checking and savings accounts to loans for vehicles and mortgages. We also offer convenient online and mobile banking services so you can manage your finances from anywhere. Need cash? Enjoy easy access to our ATM or utilize our drive-thru service for quick transactions like deposits and withdrawals. If you're looking for friendly service and reliable banking solutions, we invite you to visit us at Family First! Feel free to call us at 989-759-1686 if you have any questions or need assistance before your visit. We look forward to serving you!

Member Eligibility

At Family First, we believe that becoming a member is like joining a supportive family where your financial well-being matters. If you're looking to be part of something special, you'll be pleased to know that our membership is open to a variety of individuals! To join us at our Saginaw branch located at 1011 N Michigan Ave, Saginaw, MI 48602, you simply need to meet certain eligibility criteria. Typically, this includes being a resident of the local community or having family members who are already members. You can find more details about the specific requirements by visiting our website at . Joining Family First comes with fantastic benefits, such as personalized service and access to a wide range of financial products tailored just for you. Plus, opening an account is easy! If you're ready to take the next step or have any questions, don't hesitate to reach out to us at 989-759-1686. We're here to help you every step of the way on your financial journey!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $48 in non-member commercial loans, providing flexible financing solutions. Imagine needing funds to purchase new equipment or hire additional staff. Our commercial loans can help turn those plans into reality, giving you the financial boost to reach your goals.

Merchant Services

In addition to loans, we offer comprehensive merchant services that streamline transactions for your business. This means faster payment processing and improved cash flow essential tools for any thriving enterprise. Picture a busy Saturday at your store; with our reliable services, customers can check out smoothly, allowing you to focus on what matters most: serving them well. Located at 1011 N Michigan Ave Saginaw, MI 48602, we invite you to discover how Family First can partner with you in achieving your business aspirations. For more information or assistance, feel free to reach us at (989) 759-1686.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

We know that sometimes you need cash on the go. Our branch offers basic ATM access for withdrawals and balance checks, ensuring you have quick access to your funds when you need them most. Plus, with drive-thru banking available for simple transactions like deposits and withdrawals, we prioritize making banking convenient for our busy members. At Family First in Saginaw, MI, we're committed to being more than just a financial institution; we're your partner in achieving financial well-being. We invite you to visit us at our branch or explore our services further online at Family First. Experience how we can assist you today!

Business Banking

For our entrepreneurial members, Family First provides comprehensive business banking services. From merchant services that simplify payment processing to business loans that help you expand your operations, we're here to support your venture's growth and success.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we have invested in robust online and mobile banking solutions. You can access your accounts anytime, anywhere whether you want to check balances, transfer funds between accounts, or make payments from the comfort of your home. With features like person-to-person payment options and mobile payments, managing your finances has never been easier.

Home Financing

Buying a home is one of the most significant investments you'll ever make. That's why we offer mortgage loans and refinancing solutions that fit your lifestyle and budget. Our knowledgeable team will guide you through the process, ensuring you feel confident every step of the way.

Personal Banking

We understand that personal banking is about more than just transactions; it's about building relationships and securing your financial future. Our checking and savings accounts are designed to help you manage your money effectively while earning rewards on your spending with our credit cards. If you're looking to purchase a vehicle or refinance an existing loan, our auto loans and vehicle financing options come with competitive rates to ensure you get the best deal possible. Additionally, we offer personal loans for debt consolidation or unexpected expenses to give you peace of mind.

Digital & Online Banking

Convenience and Accessibility

For those who prefer using their mobile devices for payments, we offer a mobile payments feature that allows you to make transactions easily wherever you are. Our services are designed to fit into your lifestyle, giving you real-time account management right at your fingertips. Whether it's checking an account balance or making a quick payment, our user-friendly digital banking experience means you can handle everything you need without stepping foot in a branch. At Family First, we're committed to providing accessible banking solutions that keep up with your busy life!

Key Services

With our online banking services, you can check balances, transfer funds, and pay bills from the comfort of your home. If you're someone who enjoys keeping up with your finances on the go, our mobile application lets you manage your accounts right from your smartphone. You can also use features like person-to-person transfers to send money quickly to friends or family without any hassle. Security is our top priority. We utilize electronic signature authorization to ensure that all your transactions are safe and secure. Plus, with e-statements available, you can say goodbye to paper clutter while keeping track of your financial activity effortlessly.

Financial Strength

At Family First, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial strength reflects our commitment to serving you well. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $9,375,246, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $941 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $22,428,650 in share certificates and $5,606,250 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $8,646,010 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $947 in used auto loans and $49,236,541 in total loans and leases, we support your financial goals across various sectors. Our operational efficiency is reflected in our $380,061, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 27 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 10,892, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Family First is your trusted partner. Visit us at 1011 N Michigan Ave Saginaw Mi 48602 or call (989) 759-1686 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $12,559,539 in used vehicle loans and $4,008,729 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used vehicle, we can help you secure financing that fits your budget.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,985,075 in loans helping members manage their finances effectively. This option provides you with additional purchasing power and can be beneficial for both everyday expenses and unexpected costs.

Credit Lines

For those looking for additional flexibility in managing their cash flow, we provide credit lines totaling $18,000,000. This service offers peace of mind knowing that funds are available when needed. If you're interested in exploring refinancing options or checking your eligibility for any of our loan products, don't hesitate to reach out. Our friendly staff is ready to assist you with all your questions. For more information or to discuss your loan needs directly, give us a call at (989) 759-1686 during our operating hours: Monday, Wednesday, Thursday from 9:00 a.m. to 5:00 p.m., Tuesday from 10:00 a.m. to 5:00 p.m., and Friday from 8:30 a.m. to 6:00 p.m. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,549,062, ensuring that you have the support needed for this significant investment. Our team is here to guide you through every step of the mortgage process.

Loan Aggregator

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Family First