Focus First Federal Credit Union
 
 
 

Products and Services

Deposit Products

SAVINGS (Shares account)

You need only a minimum deposit of $5 to open a savings account at FFFCU! We pay one of the highest yields in the Rochester area.View our current rates. With a savings account from FFFCU, you have immediate access to your money when you need it and there is no minimum balance requirement. (Other than the $5 membership). You may also take advantage of our Holiday Savings Accounts which earn you the same great interest yield as our regular savings accounts. Your funds will be available beginning the first Monday in October for holiday spending.

SHARE CERTIFICATES (CDS)

With this flexible term savings account you will earn higher dividends than with our regular shares (savings) accounts. Currently we are offering 6,12, 24, and 36 month terms at very competitive rates. Our minimum deposits start at only $500 for this risk free investment.

CHECKING

Enjoy unlimited check writing without per-check charges, no minimum balance requirements, and no monthly maintenance fees. FFFCU will provide your first 50 checks at no charge! If you maintain an average daily balance of $1000 or more, you will also earn interest on your checking account at FFFCU!

VISA® DEBIT CARD

Enjoy access to your funds 24 hours a day, 7 days a week! Our card works like a check but acts like a VISA card. With a network of ATMs, in the Rochester area, you will have free access to your checking and savings accounts.

Worried about bounced checks? Apply for an overdraft line of credit and ease your mind! If you accidentally overdraw your checking account, FFFCU will automatically advance the necessary funds from your credit line. Your check will be paid without being returned, and there is no expense to you if you don’t use your line of credit.

If you choose not to apply for an overdraft line of credit, FFFCU offers yet another option to cover bounced checks. Our share transfer overdraft allows us to transfer funds from your savings account in the exact amount needed to pay your checks. Ask for details about this convenient option.

DIRECT DEPOSIT

Focus First Federal Credit Union offers Direct Deposit (payroll deduction) from virtually any payroll department or government office. Enjoy the ease and security of having your pension checks or Social Security deposited directly into your account at FFFCU. Your FFFCU loans can be automatically paid without the hassle of a monthly bill and you will have peace of mind knowing that the payments are made on time each month! The Focus First Federal Credit Union Routing and Transit number is 222382137. Your payroll department will need this number to process the payroll that you would like directed to your account(s).

 

Loan Products

At Focus First Federal Credit Union you’ll find competitive rates on a variety of loan products such as a Visa Platinum credit card, auto, recreational vehicle, personal, vacation, holiday, home equity, home improvement, and mortgages! If you arrange to pay your monthly loan payment using our direct deposit/auto-pay option, you will receive an additional .25% off the annual percentage rate! (Offer not valid on home equity lines of credit and overdraft lines of credit) View our current rates orapply online for a loan.

VISA PLATINUM CREDIT CARD

Whether you’re traveling the world or stopping by the grocery store, you need a card that’s dependable, fast  and convenient. Our VISA Platinum card is accepted at millions of locations worldwide and it’s designed to make your life easier.. no matter where life takes you!

AUTOMOBILE/RECREATIONAL VEHICLE LOANS

With an auto loan from FFFCU, you can finance a new or used car with flexible terms and affordable monthly payments. With our fast approval process, you could be driving a new car sooner than you think! We will also finance motorcycles, boats, and RV’s.

PERSONAL LOANS

A personal loan from FFFCU will help you pay for life’s unexpected challenges. Whatever your loan needs, be sure to ask a member service representative about the best way to finance your purchase.

VACATION AND HOLIDAY LOANS

Thinking of taking the trip of a lifetime or buying the perfect gift for that special person? Our vacation and holiday loans are for a term of 12 months with a $2000 limit. The holiday loan is offered from October 1st thru January 31st while the vacation loan is offered throughout the remainder of the year.

SHARE SECURED LOAN

This low interest loan is secured by your savings and is for our members who want to maintain a balance in their savings account yet need money for a variety of reasons. Reap the benefits of a loan while continuing to earn interest on your deposits.

OVERDRAFT LINE OF CREDIT

If you accidentally overdraw your checking account, FFFCU will automatically advance the necessary funds from your credit line (up to your available limit) to your checking account. Your check will be paid without being returned. There will be no expense to you if you don't use your line of credit.

HOME IMPROVEMENT LOAN

Home Improvement loans are available to those members who may not have equity built up in their homes and prefer a low interest, fixed rate product for their home inprovement needs.

 

Home Equity Products

HOME EQUITY LINE OF CREDIT

FFFCU offers three convenient options for borrowing against your home's equity. With our Home Equity Lines of Credit, you have easy access to your funds with no annual fee and no closing costs (if you keep the line of credit open for a minimum of two years). You can finance home remodeling, pay college tuition, take a vacation, or consolidate your high interest bills into one easy payment. Ask a member service representative about a program that will work best for you.

HOME EQUITY LOAN (Installment Loan, fixed rate)

A Home Equity Loan from FFFCU is a great way to use the equity in your home to get the money you want in a lump sum for home improvements, vacations, debt consolidation, college tuition, a new automobile and more! Enjoy the security of a fixed monthly payment.

 

Services

AUTOMATIC PAYMENT AND DIRECT DEPOSIT

For your convenience, FFFCU offers Direct Deposit (payroll deduction) from virtually any payroll department or government office. Your FFFCU loans can be automatically paid from your shares account every month by direct deposit and at the same time you will receive .25% off the annual percentage rate! (Offer not valid on Home Equity Lines of Credit and Overdraft Lines of Credit)

ONLINE ACCOUNT ACCESS

You can access your accounts 24 hours a day, 7 days a week from the comfort of your home or office. To sign up for this convenience click on the tab at the top of this page called "Online Account Access".

NOTARY SERVICES

Ask at our teller window for a member service representative who can assist you with your Notary needs.

 






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(Routing and Transit #222 382 137)

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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