Family First Credit Union

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A short history of Family First CU

Since its inception in 1939 the Family First Credit Union has been serving its members in the SAGINAW, Michigan area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Frances Gibelyou, the Family First CU has grown its membership to over 6,962 with assets of more than $79,729,798. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (989) 759-1686 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in SAGINAW, MI.

General Information For Family First CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 61909
Address 1011 N MICHIGAN AVE 
State Michigan 
Zip-Code 48602
Phone Number (989) 759-1686
Fax Number (989) 752-4992
Email Address:
CEO/President Frances Gibelyou
Members 6,962 
Full-Time Employees 19 
Part-Time Employees
Number of Branch Offices
Total Assets 79,729,798 

Compare Family First Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Saginaw County Employees CU Saginaw County Employees Credit Union 1700 Court St 48602 (989) 793-9188 No 0.60
Generations Family CU VA Hospital 1500 Weiss St 48605 (989) 793-1970 No 1.52
Team One CU SAGINAW MAIN 520 HAYDEN ST 48606 (989) 754-6575 No 1.96
Saginaw Medical CU STATE ST OFFICE 4550 STATE ST 48608 (989) 791-7070 No 2.23
Wanigas CU Bagley Main Office 1837 Bagley St 48601 (989) 759-5780 No 2.26

Family First Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Family First Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 8.90 3.60 5.40 3.90 7.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 151 221 371 126 431
Rank Among All Michigan Credit Unions 22 67 91 25 84

Family First Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.10 0.30 1.10 1.20
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 129 97 152 133
Rank Among All Michigan Credit Unions 13 16 17 28 19
Family First Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.9005901,463,582
All Other Unsecured Loans/Lines of Credit 13.1001,0821,908,353
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.6002565,450,482
Used Vehicle Loans 5.4001,60217,823,053
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.90030417,004,684
Total Other Real Estate Loans/Lines of Credit 7.00038488,217
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.8003633,736,881
TOTAL LOANS & LEASES 4,23547,875,252

Family First Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 4562,2003251,400
    b. 15 Years or less 2139,704,50610886,054
    a. > 15 years 282,466,18800
    b. 15 Years or less 574,074,43800
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 147,412147,412
Adjustable Rate > 1 yr 1149,9401149,940


Closed-End Fixed Rate 38488,2173111,100
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 34217,492,901181,445,906


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Family First Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes