Business Details
Your Trusted Partner for Financial Services in Rochester, NY
Focus First Federal Credit Union is a not-for-profit financial cooperative dedicated to providing members with equitable treatment, high-quality service, and competitive financial products. Established to promote thrift and financial education, we operate under a member-owned model, ensuring democratic control and prioritizing member needs. Our services include savings accounts, checking accounts, credit cards, personal and auto loans, home equity products, and mobile banking solutions. With a focus on community, we serve individuals within Monroe County, NY, and their immediate family members. Our board of directors and supervisory committee oversee financial safety, internal controls, and adherence to regulatory standards.We offer 24/7 ATM access, direct deposit, overdraft protection, and notary services to enhance convenience. Our commitment to transparency and member satisfaction is reflected in our competitive interest rates, fee-free transactions, and personalized financial guidance. Insured by the National Credit Union Administration, we ensure deposits are protected up to $250,000 per account. Through continuous innovation and community engagement, we strive to be the first choice for financial solutions in Rochester, NY.
Services
Savings Accounts
Checking Accounts
Auto Loans
Credit Cards
Home Equity Lines
Mobile Banking
Notary Services
Highlights and features
- We offer 24/7 surcharge-free ATM access across Monroe County.
- Our competitive rates include low APRs on auto loans and credit cards.
- Deposits are insured up to $250,000 by the National Credit Union Administration.
- We provide personalized financial guidance and community-focused services.
- Our mobile banking app enables convenient account management anytime, anywhere.
Services
Savings Accounts
Our savings accounts require a $5 minimum deposit and offer competitive interest rates. Members earn dividends while maintaining easy access to funds. Holiday Savings Accounts allow seasonal spending planning with the same high yields.
Auto Loans
We provide new and used auto loans with low APRs, flexible terms, and fast approval. Competitive rates apply for qualified borrowers, with options for motorcycles, boats, and RVs.
Credit Cards
Our Visa Platinum Credit Card offers 6.49% APR with global acceptance. Features include fraud protection, 24/7 access, and convenience for everyday purchases or travel.
Home Equity Lines
Home Equity Lines of Credit start at 2.49% APR with no closing costs. Funds can be used for remodeling, education, debt consolidation, or vacations, with flexible repayment terms.
Mobile Banking
Our mobile app enables balance checks, bill payments, check deposits, and account management. Available 24/7, it provides secure, on-the-go access to all financial services.
Questions
Who is eligible for membership?
Residents, workers, worshippers, volunteers, or students in Monroe County, NY, and their immediate family members qualify for membership.
What loan products do you offer?
We offer auto loans, personal loans, home equity lines, credit cards, and vacation/holiday loans with competitive interest rates.
Are my deposits insured?
Yes, deposits are insured up to $250,000 by the National Credit Union Administration, a U.S. government agency.
Can I access my accounts online?
Yes, our online and mobile banking platforms allow 24/7 account access for balance checks, bill payments, and check deposits.
Do you have 24/7 ATM access?
Yes, we offer surcharge-free ATM access at multiple locations across Monroe County with your Visa Debit card.
How do I apply for a loan?
Apply online through our secure portal or contact a member service representative for assistance with loan applications and approvals.
