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. 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.
For help with a lost or stolen Visa/Debit
Card or VISA Credit Card or suspected card fraud
after our regular business hours, please
call 1-800-423-7497 and choose option #3.
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).
MOBILE BANKING
Download our app from your Google or Apple
Play Store. You can get balances, pay bills,
deposit checks and more!
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 or apply
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.
CREDIT ASSIST LOAN
This loan is designed for people with little
or no credit history, poor credit history,
emergency need.
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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