Family First Credit Union Saginaw MI | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Family First, your trusted financial partner located at 3550 Tittabawassee Rd, Saginaw, MI 48604. Since our establishment in 1939, we have been dedicated to serving our community, ensuring that every member feels valued and supported. With a strong membership base of 5,589 individuals, we pride ourselves on our commitment to providing personalized banking solutions tailored to your needs. At Family First, we understand the importance of financial stability. That's why we manage a robust portfolio with total assets reaching an impressive $99,321,466. Our dedication to our members is reflected in our total deposits of $11,460,381, which helps us provide a range of services including auto loans, mortgage financing, and personal loans. Currently, we offer 4,111 loans and leases to help you achieve your financial goals. Led by our CEO, Janie Smith, and Board President, Maurice Patterson, our team of 31 employees is always ready to assist you with any questions or financial needs. Whether you're looking for assistance with your savings account or exploring loan options, we're here for you every step of the way. For those needing official correspondence, please note that while you can visit us at our branch location for your banking needs, all mail should be directed to the same address: 3550 Tittabawassee Rd, Saginaw, MI 48604. We invite you to discover the difference that a member-focused credit union can make in your life. Feel free to reach out at 989-746-7100 or visit us online at www.fam1st.com for more information about our services. Join us as we continue to strengthen our community together!

Branch History & Mission

Community Impact

Our dedication goes beyond transactions; it's about building relationships within our community. Through partnerships with local organizations and initiatives aimed at improving financial literacy among residents, we strive to make a positive impact on the lives of those we serve. As we look towards the future, we invite you to become part of the Family First journey. Experience firsthand the difference a member-focused credit union can make in your financial life. Join us today and let's grow together! For more information or assistance, feel free to reach out at 989-746-7100 during our operating hours: 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 9:00 a.m. to 6:00 p.m. We can't wait to welcome you into the Family First community!

Our Journey

From humble beginnings, Family First has evolved significantly since opening our doors on Tittabawassee Road. Initially serving a small group of members, we've expanded to support over 5,589 members today. With total assets reaching an impressive $99,321,466, we have established ourselves as a reliable partner for personal banking needs. Our location at 3550 Tittabawassee Rd is conveniently situated near local landmarks, making it easy for members to visit us for their banking requirements. While our branch address is where you can find us, please note that official correspondence should be directed to the same mailing address: 3550 Tittabawassee Rd, Saginaw, MI 48604.

Our Mission

Family First's mission is simple yet impactful: we aim to provide exceptional financial services while fostering a strong sense of community. We believe that financial education and support are essential for everyone. That's why we offer various services including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Our commitment extends beyond just banking; we actively participate in community outreach programs that promote financial literacy and well-being. In today's fast-paced world, we've embraced technology to enhance member experiences. Our digital offerings include online banking and mobile payments, ensuring you can manage your finances wherever you are. We also prioritize accessibility by adhering to ADA compliance standards so everyone feels welcome at Family First.

Branch Location & Accessibility

Accessibility Features

At Family First, we prioritize accessibility. Our branch is ADA compliant, featuring ramps and spacious pathways to ensure everyone can navigate comfortably. Ample parking is available right outside, making it easy for you to visit us without any hassle.

Operating Hours

We understand that your time is valuable. That's why we're here for you during convenient hours: on Mondays, Wednesdays, and Thursdays from 9:00 a.m. to 5:00 p.m.; Tuesdays from 10:00 a.m. to 5:00 p.m.; and Fridays from 9:00 a.m. to 6:00 p.m. Whether you need assistance with personal banking or are looking into auto loans or credit card options, our friendly staff is ready to help!

Services Offered

Our Kochville Office offers a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we have solutions for everyone. You can also take advantage of our ATM services and drive-thru banking for quick transactions like deposits and withdrawals. While members can visit us at 3550 Tittabawassee Rd, official correspondence should be sent to the same address. If you have any questions or need assistance before your visit, feel free to give us a call at 989-746-7100. We invite you to stop by the Family First Kochville Office today! Experience our welcoming atmosphere and let us help you achieve your financial goals. We look forward to serving you soon!

Member Eligibility

At Family First, we believe that everyone deserves a chance to thrive in a welcoming and supportive community. Becoming a member is an easy and rewarding process! To qualify, you simply need to live, work, worship, or attend school in the areas we serve. If you're unsure about your eligibility, feel free to reach out for more information at (989) 746-7100. We're here to help you every step of the way! Joining Family First means you'll have access to a range of fantastic financial services designed with you in mind, from checking accounts and savings options to auto loans and credit cards with rewards. For those interested in opening an account, the process is straightforward. Just visit us at our location on 3550 Tittabawassee Rd Saginaw Mi 48604 or check out our website for more details. You can also find comprehensive information about eligibility requirements at . We can't wait to welcome you into our family!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $48 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Success

Imagine being able to accept payments easily while managing your cash flow effectively. Our merchant services do just that. Whether you're a local café or a retail shop, our tools simplify transactions so you can focus on what matters most serving your customers. Ready to take your business to the next level? Visit us at 3550 Tittabawassee Rd Saginaw Mi 48604 or call us at (989) 746-7100 to learn more about how we can support your journey!

Comprehensive List Of Services

Business Banking

For business owners, Family First provides robust business banking solutions, including merchant services and business loans. We understand that running a business requires reliable financial support; that's why we strive to be your trusted partner in success.

Convenient Banking Access

We also emphasize convenience with our ATM services that allow for quick cash withdrawals and balance checks anytime you need them. If you prefer face-to-face interactions, enjoy basic drive-thru banking where deposits, withdrawals, and simple transactions can be handled without leaving your car. In today's fast-paced world, having access to digital banking features is crucial. That's why we offer online and mobile banking services that let you manage your accounts from anywhere at any time whether at home or on the go.

Credit and Loans

If you're facing debt or need extra cash for unexpected expenses, consider our personal loans and debt consolidation services. These options can give you the breathing room you need while managing your finances effectively. Additionally, our credit cards with rewards allow you to earn benefits on your everyday purchases perfect for those who love to maximize their spending power.

Get Started Today!

At Family First, we're committed to meeting the financial needs of our members with personalized service and flexible solutions. If you're ready to explore how we can help enhance your financial journey, give us a call at 989-746-7100 or visit us today! Together, let's build a brighter financial future.

Home Financing

For those dreaming of homeownership, our mortgage loans and refinancing options can assist in making that dream a reality. Our experienced team will guide you through the mortgage process, ensuring you feel confident in your choices.

Personal Banking Solutions

Starting with personal banking, we offer various checking and savings accounts designed to help you manage your money effectively. Imagine easily keeping track of your spending and saving goals through our user-friendly online and mobile banking platforms. With features like e-statements and mobile payments, accessing your funds has never been easier. When it comes time to purchase a vehicle, our auto loans and vehicle financing options are here to support you every step of the way. We understand that buying a car is a significant investment, so we provide competitive rates to help make it more affordable.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills without stepping foot into a branch. Need to send money to a friend? Our person-to-person transfers make it quick and hassle-free. Plus, with electronic signature authorization, signing documents is as easy as a few clicks no more printing or mailing paperwork. For those who prefer managing their finances on the go, our mobile application is here to help. You can access all the features of online banking right from your smartphone. Enjoy the added benefit of mobile payments, letting you pay for purchases directly from your device without fumbling for cash or cards.

Stay Organized and Informed

We also offer e-statements that keep your financial documents organized and accessible. You'll receive notifications when new statements are available, ensuring you're always up-to-date without the clutter of paper. At Family First, we prioritize your security while providing user-friendly tools that make banking simpler. Our commitment to accessibility means you can manage your accounts with ease and confidence. Embrace the convenience of digital banking with us today!

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 dedicated to maintaining a strong financial foundation, which allows us to provide reliable services and support to our community. 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 supports members' financial goals across various sectors with $9,447,032 in used auto loans and a total of $49,236,541 in loans and leases. Our net income of $380,061 reflects our operational efficiency, enabling 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 and committed team. Total Share Accounts stand at an impressive 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 3550 Tittabawassee Rd Saginaw Mi 48604 or call 989-746-7100 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

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. We provide flexible terms and competitive rates to make your car-buying experience smooth and affordable.

Credit Lines and Other Financing Options

In addition to auto and mortgage loans, we provide credit lines totaling $18,000,000 to assist with various personal financing needs. Whether it's for unexpected expenses or planned projects, our credit lines can be a helpful resource. At Family First, we are committed to providing personalized service and support throughout your borrowing journey. If you're interested in refinancing or would like to learn more about eligibility options for our loan products, don't hesitate to reach out. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. We're here to help you every step of the way as you navigate your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,549,062, make buying or refinancing simple. We help guide you through the process so you can focus on settling into your new home.

Unsecured 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 is perfect for those who want to maintain financial flexibility while making everyday purchases.

Loan Aggregator

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Family First