Credit union · NCUA insured
Family First Federal Credit Union CD Rates
Family First Federal Credit Union’s best CD rate is 4.25% APY on a 5-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 17, 2026.
How Family First Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Rochester, NY, where Family First Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Family First Federal Credit Union
4.25%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $175
Certificate Accounts
Top rate
Genesee Regional Bank
4.75%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Family First Federal Credit Union CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo3.05%
- 16–30 months16–30 mo2.95%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.25%
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 Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificates
Up to 4.40%APY · 9 terms
Rates valid as of 10/17/2026. Fixed rate account. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsMinimum balance of $100,000 | 3.40% | — |
| 5 monthsJumbo 5 Month New Money Special. Jumbo certificates require a minimum deposit of $100,000 with at least $10,000 new money or a full-service checking account. New money is money not on deposit with Family First over the last 60 days. The checking account must be full-service for at least 60 days before it becomes eligible. Full service is defined as having a checking, savings, direct deposit, debit card and online banking with eStatements | 4.40% | — |
| 6–11 monthsMinimum balance of $100,000 | 3.30% | — |
| 12–17 monthsMinimum balance of $100,000 | 3.20% | — |
| 18–23 monthsMinimum balance of $100,000 | 3.10% | — |
| 24–35 monthsMinimum balance of $100,000 | 3.00% | — |
| 36–47 monthsMinimum balance of $100,000 | 2.90% | — |
| 48–59 monthsMinimum balance of $100,000 | 2.80% | — |
| 60 monthsMinimum balance of $100,000 | 2.70% | — |
Sources (2)
All captured Oct 17, 2026
Certificate Accounts
Up to 4.25%APY · 9 terms
Rates valid as of 10/17/2026. Fixed rate account. Early withdrawal penalties apply.
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3–5 months | 3.25% | — | 3.25% | $80 |
| 5 months5 Month New Money Special. Requires a minimum deposit of $10,000 with new money or a full-service checking account. New money is money not on deposit with Family First over the last 60 days. The checking account must be full-service for at least 60 days before it becomes eligible. Full service is defined as having a checking, savings, direct deposit, debit card and online banking with eStatements | — | 4.25% | 4.25% | $175 |
| 6–11 months | 3.15% | — | 3.15% | $156 |
| 12–17 months | 3.05% | — | 3.05% | $305 |
| 18–23 months | 2.95% | — | 2.95% | $446 |
| 24–35 months | 2.85% | — | 2.85% | $578 |
| 36–47 months | 2.75% | — | 2.75% | $848 |
| 48–59 months | 2.65% | — | 2.65% | $1,103 |
| 60 months | 2.55% | — | 2.55% | $1,342 |
Sources (2)
All captured Oct 17, 2026
Special-purpose accounts
Youth Certificate
4.10%APY · 1 term
Youth certificates must be opened in a Youth Account with a minimum deposit of $50 to earn APY. Additional funds may be deposited throughout the term of this CD, with deposits capped at $10,000. Upon maturity, the CD will automatically renew at the current market rate if not moved. Rates valid as of 10/17/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust be opened in a Youth Account. Additional deposits allowed during term capped at $10,000 | 4.10% | $410 |
Sources (1)
- home.familyfirstny.com/ira-cd-rates · captured Oct 17, 2026
Who can join Family First Federal Credit Union
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.
Membership information collected October 5, 2026.