First family federal credit union online banking

FFCU's online banking system, Virtual Branch Next, is convenient and an easy way to handle your finances from home, work or while traveling. All you need is a cell phone or computer with an internet connection. The best part? Virtual Branch Next allows you to check your balances, make loan and FFCU VISA credit card payments, verify that drafts and debits have cleared, review account and loan history, view items pending in the ACH Warehouse deposits (direct deposit) and transfer money between your FFCU share accounts. Now you can even manage your finances easier with eAlerts to remind you of loan due dates, low balance alerts, cleared checks and authorized hold on your account. Virtual Branch Next is totally free to our members! There are no monthly fees or hidden costs. It is also available to you 24 hours a day, 7 days a week, 365 days a year. For the protection of your account information, you must have an email address on file to sign up for Virtual Branch Next. If you do not have an email address on file, please call us at 989-759-1686 to set up your email prior to signing up for online banking. 

If you are a first time user of Virtual Branch Next please click "enroll now" from the link below or our home page.  You logon ID for your first time login is your member number (account number) - please note it must be six digits (accounts such as 24455 would be 024455).  Your first time password will be the LAST FOUR of your Social Security number.

Please reach out to us at 989-759-1686 with any questions about accessing your account online!

Sign In Today!

Phone Teller 24

No internet access? We’ve got you covered! Our Phone Teller 24 system is a menu run system which allows you to do different types of transactions on your account, such as checking your account balance, checks that have cleared your account, transfer money and make loan and FFCU credit card payments. Call any office today to sign up for Teller 24.

First time logging into to Teller 24 since October 1st?  Your password for first time login will be the LAST FOUR of your social security number.  

Secure and convenient way for members of First Family FCU to manage accounts anytime, from anywhere.

Features include:
- Check account balances.
- Transfer money.
- Deposit checks.
- Setup text alerts.

Personal Checking Accounts: FREE with enrollment of e-statements. Effective January 31, 2017, all members whose Checking Account statements that are NOT sent via email will be charged a fee of $2.00 per month. Fee does not apply to members over the age of 60.

• Click Here to Order Checks.
• Business Checking Accounts: Monthly fee of $5.00.
• Members ages 60 years old or over will receive one free box of checks per year.
• If funds are available in your savings, those funds will automatically transfer, for a $1.00 fee, to prevent a return check.
• Overdraft protection available to those who qualify.
• Free Check Cards available. ($10.00 fee for re-order)
•  If your FFFCU Visa Check Card is lost or stolen, please call 918.652.4407. For assistance after hours, please call 1.888.263.3370.
• View Debit Card Styles below.

Start Checking Account

American Flag

World Map

Regal

Blue Ripple

Jade

Savings

Whether you are opening your child’s first account or planning for retirement, First Family Federal Credit Union has the right savings account for you. We offer:

• ACH Deposits
• Payroll Deduction
• Direct deposit
• Share certificates with attractive rates
• Regular shares with a low $5 minimum balance
• Each member account insured to $250,000.00 by Administrator, NCUA

Account TypeSavingsMoney MarketCDIRAGuaranteed ReturnYesYesYesYesLiquidity of FundsHighMediumVariesLowPenalty for WithdrawalSix Free per QuarterThree Free per MonthYesYesTerm of InvestmentNoneNoneMonths or YearsYesAdvantagesInstant Access to FundsBetter Interest Rate than Regular
Savings & Funds are Fairly AccessibleBest Return & Numerous
Choices of Term LengthDepending on IRA
Type, Either Contributions or Withdrawals are Tax
ExemptDisadvantagesLow Interest Rate$1,000 Minimum Balance Required to avoid Monthly ChargesRequires Minimum Investment Deposit, Ties up Funds for the Term of the CD; Early Withdrawal PenaltiesFunds May be Tied up for Long Periods; Penalty for Early Withdrawal

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More Details

CD's

For long term saving with a higher interest rate, consider a CD (Certificate of Deposit).

•  Accrues interest

•  6 months, 12 months, 24 months and 36 months terms available

• Minimum $1000 deposit required.

TermRateAPY*6 Months3.00%3.042%
1 Year3.25%3.299%2 Year3.50%3.557%3 Year4.00%4.074%

** $1000.00 minimum. A penalty for “early” withdrawal may be imposed. The penalty will be “no less than” 120 days dividends, whether dividends are earned or not earned. Rates effective March 12, 2020.