Credit union · NCUA insured
Family First Federal Credit Union Savings Rates
Family First Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its MoneyBuilder. Rates checked October 16, 2026.
How Family First Federal Credit Union’s savings 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
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Companion Savings Account
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
3rd-highest rate
Canandaigua National Bank
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
Family First Federal Credit Union savings score
63
Savings score
Higher than 9% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Family First Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Companion Savings Account
5.00%APY
Available to Debit Rewards Checking and Pinnacle account holders only. When paired with Debit Rewards Checking or Pinnacle Plu$ Checking and respective monthly checking requirements are met (12 debit card transactions, $250 direct deposit/deposit, and eStatements enrollment), balances up to $10,000 earn 5.00% APY. If monthly requirements are not met or on balances of $10,000.01 and above, the entire balance earns the current Regular Share APY (0.03%). Dividends are compounded daily and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Earns 5.00% APY on balances up to $10,000 when linked checking account monthly qualifications (12 debit transactions, $250 deposit/direct deposit, and eStatements) are met. Minimum $25 to earn dividend. No monthly fee. | 5.00% | $500 | Earns 5.00% APY on balances up to $10,000 when linked checking account monthly qualifications (12 debit transactions, $250 deposit/direct deposit, and eStatements) are met. Minimum $25 to earn dividend. No monthly fee. |
| Over $10,000Balances of $10,000.01 and above earn the current Regular Share APY of 0.03%. Also applies to entire balance if monthly checking qualifications are not met. | 0.03% | — | Balances of $10,000.01 and above earn the current Regular Share APY of 0.03%. Also applies to entire balance if monthly checking qualifications are not met. |
Premier Savings Account
4.00%APY
Available to new members only (must not have had an account for at least 180 days). Variable rate account where dividend rate and APY may change at any time without notice. The 4.00% APY rate is an introductory rate applied to balances until 12/31/2026, when the rate will adjust to 3.00%.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 and upRequires a minimum balance of $25,000 to earn dividend. Introductory 4.00% APY applies until 12/31/2026. Available to new members only.$25,000 and up | 4.00% | — | Requires a minimum balance of $25,000 to earn dividend. Introductory 4.00% APY applies until 12/31/2026. Available to new members only. |
Sources (1)
- home.familyfirstny.com/savings-rates · captured Oct 16, 2026
MoneyBuilder
0.10%APY
Tiered interest rate savings account. Variable rate account where dividend rate and APY may change weekly. Dividends compounded daily and credited monthly on ledger balance. No minimum opening balance, but balances below Tier 1 ($1,500) do not earn dividends. Maximum of 6 preauthorized/automatic transfers per statement period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 – $9,999Tier 1: Balance of $1,500 to $9,999 required to earn dividend. | 0.05% | — | Tier 1: Balance of $1,500 to $9,999 required to earn dividend. |
| $10,000 – $49,999Tier 2: Balance of $10,000 to $49,999 required to earn dividend. | 0.10% | $10 | Tier 2: Balance of $10,000 to $49,999 required to earn dividend. |
| $50,000 and upTier 3: Balance of $50,000 or more required to earn dividend. | 0.15% | — | Tier 3: Balance of $50,000 or more required to earn dividend. |
Sources (1)
- home.familyfirstny.com/savings-rates · captured Oct 16, 2026
Regular Share
0.03%APY
Par value of a regular share is $5.00. Variable rate account; dividend rate and APY may change quarterly. Dividends compounded daily and credited quarterly on ledger balance. Transaction limitation of up to 6 transfers per statement period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to open is $5.00. Minimum balance to obtain disclosed APY is $25.00.$25 and up | 0.03% | $3 | Minimum balance to open is $5.00. Minimum balance to obtain disclosed APY is $25.00. |
Sources (1)
- home.familyfirstny.com/savings-rates · captured Oct 6, 2026
Special-purpose accounts
HSA MoneyMarket Gold
0.10%APY
Tiered savings account for higher balance deposits. Available for Business, HSA, and IRA accounts. During any statement period, no more than 3 transfers may be made by preauthorized/automatic transfer or telephone order. Accounts falling below $10,000 do not earn dividends.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $10,000 – $99,999Tier 1: Balance of $10,000 to $99,999 required to earn dividend. · $10,000 to open | 0.10% | $10,000 | $10 | Tier 1: Balance of $10,000 to $99,999 required to earn dividend. |
| $100,000 – $499,999Tier 2: Balance of $100,000 to $499,999 required to earn dividend. · Unknown to open | 0.15% | Unknown | — | Tier 2: Balance of $100,000 to $499,999 required to earn dividend. |
| $500,000 and upTier 3: Balance of $500,000 or more required to earn dividend. · Unknown to open | 0.20% | Unknown | — | Tier 3: Balance of $500,000 or more required to earn dividend. |
Sources (1)
- home.familyfirstny.com/savings-rates · captured Oct 16, 2026
HSA MoneyBuilder
0.10%APY
Tiered savings account for Health Savings Accounts. Funds are not subject to maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 – $9,999Tier 1: Balance of $1,500 to $9,999 required to earn dividend. | 0.05% | — | Tier 1: Balance of $1,500 to $9,999 required to earn dividend. |
| $10,000 – $49,999Tier 2: Balance of $10,000 to $49,999 required to earn dividend. | 0.10% | $10 | Tier 2: Balance of $10,000 to $49,999 required to earn dividend. |
| $50,000 and upTier 3: Balance of $50,000 or more required to earn dividend. | 0.15% | — | Tier 3: Balance of $50,000 or more required to earn dividend. |
Sources (1)
- home.familyfirstny.com/savings-rates · captured Oct 16, 2026
Retirement (IRA) MoneyBuilder
0.10%APY
Part of a qualified individual retirement or Keogh plan. Checks and electronic transactions are not permitted; limited to manual distributions.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 – $9,999Tier 1: Balance of $1,500 to $9,999 required to earn dividend. | 0.05% | — | Tier 1: Balance of $1,500 to $9,999 required to earn dividend. |
| $10,000 – $49,999Tier 2: Balance of $10,000 to $49,999 required to earn dividend. | 0.10% | $10 | Tier 2: Balance of $10,000 to $49,999 required to earn dividend. |
| $50,000 and upTier 3: Balance of $50,000 or more required to earn dividend. | 0.15% | — | Tier 3: Balance of $50,000 or more required to earn dividend. |
Sources (1)
- home.familyfirstny.com/savings-rates · captured Oct 16, 2026
HSA Share
0.03%APY
Designed for individuals covered under an HSA-qualified High Deductible Health Plan (HDHP). No maintenance fees or minimum opening balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn disclosed APY is $25.00. No maintenance fees.$25 and up | 0.03% | $3 | Minimum balance to earn disclosed APY is $25.00. No maintenance fees. |
Sources (2)
All captured Oct 6, 2026
Holiday Club Share
0.03%APY
Account matures annually on September 30th, when acquired funds are automatically transferred to the regular share account. No withdrawals permitted prior to maturity date; early withdrawal results in forfeiture of all dividends earned or seven days' dividends, whichever is greater. Dividends compounded daily and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to open is $0. Minimum balance to earn disclosed APY is $25.00.$25 and up | 0.03% | $3 | Minimum balance to open is $0. Minimum balance to earn disclosed APY is $25.00. |
Sources (1)
- home.familyfirstny.com/savings-rates · captured Oct 6, 2026
IRA Share
0.03%APY
Retirement savings account available for Traditional, Roth, and other IRA plans. Variable rate account; dividend rate and APY may change quarterly. Dividends compounded daily and credited quarterly. No maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to open is $0. Minimum balance to obtain disclosed APY is $25.00. Free from maintenance fees.$25 and up | 0.03% | $3 | Minimum balance to open is $0. Minimum balance to obtain disclosed APY is $25.00. Free from maintenance fees. |
Sources (1)
- home.familyfirstny.com/savings-rates · captured Oct 6, 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.