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Family First

1011 N MICHIGAN AVE, Saginaw, MI 48602
NCUA Insured4.0 (51 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1939

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1011 N MICHIGAN AVE

Saginaw, MI 48602

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(989) 759-1686

Service Area

This credit union is located in Saginaw and serves members in the MI area. Currently serving 5,386 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.89%

Used Auto Loan

8.78%

Personal Loan

14.59%

Credit Card APR

8.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%
Awakon— Used Auto Loan

Onaway, MI

3.99%
International Uaw— Personal Loan

Detroit, MI

5.50%
Circle— Credit Card APR

Niles, MI

4.80%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

4.0

51 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Shannon Cramer

Shannon Cramer

4 months ago

I've been turned away twice for inconveniences. The first time was because I had just moved to Saginaw and dispite having a copy of my lease it wasn't the current address on my license 🙄 The second time was because they didn't have enough staff.

Lacie R

Lacie R

11 months ago

The staff is extremely rude and very petty. If I didn't have a truck loan with them I would never bank here!! I DO NOT recommend this credit union!! They wanted to put my account in delinquency over $.10! And when I called them to take care of it so my truck didn't get repoed they wanted to charge me a $5 fee on top of it. Horrible credit union!

Paul St Louis

Paul St Louis

7 months ago

Appreciate their emphasis on helping young people become financially literate and successful. Looking forward to their continued development and growth

Helengggttg y vr Davis

Helengggttg y vr Davis

9 months ago

I HAVE BEEN WITH THIS CREDIT UNION FOR DECADES AND IN THE PAST FEW YEARS WITH THE NAME CHANGE, NEW WORKERS AND POLICY THEY ABSOLUTELY SUCK. THEY ACT LIKE IT'S THERE MONEY THEY'RE LENDING YOU. AND IF I WORK AND MY PAYCHECK GOES THERE WEEKLY, YOU SEE WHAT I MAKE AND GET IT FIRST IT SHOULD NEVER BE AN ISSUE WITH ME BORROWING MONEY. YEPP THEY JUST LOST MY SERVICE.

Tamie Wiltse Balderrama

Tamie Wiltse Balderrama

2 years ago

I've been a member here since 1996. They have the best tellers the most helpful and knowledgeable people imaginable! I really do love my credit union!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).