Credit union · NCUA insured
Family First Federal Credit Union
A $340.2M credit union headquartered in Rochester, NY, with 15,381 members and 5 branches in New York. Best rates: CDs 4.25% and savings 0.10% APY.
Family First Federal Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#16 of 32 in Rochester, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Family First Federal Credit Union
Chartered in 1969 to serve employees of Penfield Central School District and their families, Family First Federal Credit Union is a member-owned financial institution.
Originally Penfield Central Credit Union, it merged with BOCES FCU, converted to a community charter, and later merged with Henrietta Credit Union and Focus First Federal Credit Union.
The credit union serves individuals and entities across Genesee, Livingston, Monroe, and Orleans counties, as well as the Wayne County towns of Macedon, Walworth, and Ontario.
- Headquarters
- 2520 Browncroft Blvd, Rochester, NY 14625
- NCUA charter
- 19304
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work (or regularly conduct business in), worship, or attend school in the New York counties of Genesee, Livingston, Monroe, and Orleans or the towns of Macedon, Walworth, or Ontario in Wayne County, New York are eligible to join.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent or grandchild, including step and adoptive relationships of each) of eligible members are eligible to join.
- Individuals living in the household of eligible members are eligible for membership.
Other ways
- Businesses and other legal entities located in Genesee, Livingston, Monroe, and Orleans counties or the towns of Macedon, Walworth, or Ontario in Wayne County, New York are eligible for membership.
Cost to join
- A minimum membership share balance of $5 is required for ownership and membership in Family First FCU.
Branches
5 branches in New York
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New York
5 branches
- Penfield BranchMain office2520 Browncroft Blvd, Rochester, NY 14625Directions
- East Rochester / Perinton Branch375 Fairport Rd, East Rochester, NY 14445Directions
- Greece Branch1110 Long Pond Rd, Rochester, NY 14626Directions
- Henrietta Branch1225 Jefferson Rd Ste A21, Rochester, NY 14623Directions
- Webster Branch850 Ridge Rd, Webster, NY 14580Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.99% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.59% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.51% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $111 | $76 | — |
- CapitalNet worth ratio11.99%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.59%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.51%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$111Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Family First Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.