Credit union · NCUA insured
Family First Credit Union Savings Rates
Top CarrotFamily First Credit Union’s best savings rate is 1.35% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Family First Credit Union’s savings rates compare
Compared with banks and credit unions near Atlanta, GA, where Family First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Family First Credit Union
1.35%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $135
Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
Family First Credit Union savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0001.35%
- $100,000 balance$100,0002.25%
- QualifiedQualified1.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Family First Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.35%APY
Minimum deposit of $2,500.00 required to open. Subject to restrictions such as six (6) transactions per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 1.00% | — |
| $10,000 – $25,000 | 1.35% | $135 |
| $25,000 – $50,000 | 1.50% | — |
| $50,000 – $100,000 | 1.75% | — |
| $100,000 and up | 2.25% | — |
Share Savings Account
0.45%APY
Requires credit union membership, a $5.00 minimum deposit to open, maintaining a $5.00 balance to remain a member, and demonstrating regular activity to keep the account open. Includes 1 free withdrawal per month; additional withdrawals incur a $4.00 excessive withdrawal charge.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $250 | 0.25% | — |
| $250 – $5,000 | 0.35% | — |
| Over $5,000 | 0.45% | $45 |
Special-purpose accounts
Individual Retirement Accounts (IRA Savings)
0.75%APY
Traditional IRA and Roth IRA savings options available. Available to eligible members for retirement savings. Insured up to $250,000 by NCUA separately from regular accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates subject to change monthly. | 0.75% | $75 | Rates subject to change monthly. |
| $100,000 and upRates subject to change monthly. | 0.85% | — | Rates subject to change monthly. |
Christmas Club Account
0.45%APY
Must be a member of Family First Credit Union. No fees or service charges associated with account. A $10.00 fee applies if money is withdrawn before the disbursement period in October. Balance/funds are transferred to member savings account in October/mid-October. Dividends posted quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.45% | $45 |
Sources (3)
All captured Sep 18, 2026
Share Minor Savings Account
0.45%APY
For children ages 13–17 related to adults in FFCU membership. Adult must be joint owner on the account, present a copy of minor's social security card, and provide $5.00 minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250Available for minors under 18 years of age.Up to $250 | 0.45% | — | Available for minors under 18 years of age. |
Ten Month Club Account
0.45%APY
Must be a member of Family First Credit Union. For members paid 10 months out of a year. No fees or service charges associated with account. A $10.00 fee applies if money is withdrawn before the disbursement period. First half of available funds deposited/disbursed mid-July and remainder mid-August into savings account. Dividends posted quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.45% | $45 |
Sources (3)
All captured Sep 18, 2026
Vacation Club Account
0.45%APY
Must be a member of Family First Credit Union. No fees or service charges associated with account. A $10.00 fee applies if money is withdrawn before the disbursement period in May. Balance/funds are transferred to member savings account in May/mid-May. Dividends posted quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.45% | $45 |
Sources (3)
All captured Sep 18, 2026
Who can join Family First Credit Union
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