Credit union · NCUA insured
Family First Credit Union Savings Rates
Top CarrotFamily First Credit Union’s best savings rate is 0.05% APY on $10,000, with its Adult Savings. Rates checked October 17, 2026.
How Family First Credit Union’s savings rates compare
Compared with banks and credit unions near Saginaw, MI, where Family First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Family First Credit Union
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Adult Savings
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Members First Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Family First Credit Union savings score
62
Savings score
Higher than 6% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.05%
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.
Adult Savings
0.05%APY
A $5.00 deposit is required to start savings and establish ownership. Dividends are paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.00% | — |
| $500 – $10,000 | 0.05% | $5 |
| Over $10,000 | 0.10% | — |
Special-purpose accounts
Youth Savings Account
1.00%APY
Requires minor date of birth, social security number, an adult joint owner until the minor reaches age 18, and a $5.00 deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
IRA Passbook Account
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $101 | 0.00% | — |
| $101 – $1,001 | 0.05% | — |
| $1,001 – $25,000 | 0.15% | $15 |
| $25,000 – $50,000 | 0.20% | — |
| $50,000 and up | 0.25% | — |
Sources (1)
- fam1st.com/savings-rates · captured Oct 5, 2026
Christmas Club
0.05%APY
Funds seamlessly transfer to Savings Account by October.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.05% | $5 |
Who can join Family First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone residing, working, worshiping, or attending school in Saginaw, Bay, Midland, or Genesee Counties is eligible for membership.
Family and household
- Relatives by blood, marriage, or foster children living in an existing member's household are eligible for membership.
Other ways
- Retirees aged 55 or older receiving a pension and living within Saginaw, Bay, Midland, or Genesee Counties are eligible for membership.
Membership information collected October 5, 2026.