Credit union · NCUA insured
Family First Federal Credit Union Credit Card Rates
Family First Federal Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 17, 2026.
How Family First Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Rochester, NY, where Family First Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Family First Federal Credit Union
10.90%APR
Visa Platinum
Lowest rate
Canandaigua FCU
7.99%APR
2nd-lowest rate
Gates Chili Federal Credit Union
8.99%APR
Family First Federal Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Family First Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Classic
Membership eligibility required. Subject to credit approval and application, as well as Prime Rate. Credit limits from $500 – $12,000. Starter credit card options. No annual fee, no balance transfer fee, no cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.40% | None | Rates as low as 12.40% APR. Actual rates may vary. Subject to credit approval and application, as well as Prime Rate. |
Sources (2)
All captured Oct 17, 2026
Visa Platinum
Membership eligibility required. Subject to credit approval and application, as well as Prime Rate. Credit limits from $5,000 – $25,000. Robust rewards program. No annual fee, no balance transfer fee, no cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Rates as low as 10.90% APR. Actual rates may vary. Subject to credit approval and application, as well as Prime Rate. |
Sources (2)
All 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This may be incomplete or out of date, so check with the credit union before you apply.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.