Business Details
Your Trusted Partner for Financial Solutions in Rochester, NY
At Focus First Federal Credit Union, we are committed to being the premier financial institution for our members' needs. Established to promote thrift and provide accessible credit, our not-for-profit cooperative is democratically controlled by our membership. We offer a comprehensive range of financial products, including savings accounts, loans, and credit services, all at competitive rates. Our board of directors and supervisory committee ensure financial safety and soundness while maintaining strict compliance with federal regulations. With deposits insured by the National Credit Union Administration up to $250,000, we provide security and trust for our members.Our field of membership extends to Monroe County, NY residents and their families, fostering community connections. Through direct deposit options, mobile banking, and 24/7 ATM access, we combine convenience with personalized service. Our team prioritizes financial education and transparent practices to empower informed decision-making. With decades of service to the Rochester area, we maintain a steadfast commitment to quality, equal treatment, and member satisfaction. This dedication positions us as a reliable partner for all financial needs, from everyday banking to major life investments.
Services
Savings Accounts
Auto Loans
Credit Cards
Home Equity Loans
Mobile Banking
Direct Deposit
Notary Services
Overdraft Protection
Holiday Savings
RV Financing
Highlights and features
- 24/7 access to surcharge-free ATMs across Rochester
- Competitive rates on auto, home equity, and personal loans
- FDIC-insured deposits up to $250,000 per account
- Community-focused membership with local eligibility criteria
- Convenient mobile banking and online loan applications
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Savings Accounts
Our savings accounts require just $5 to open and offer immediate access to funds with no minimum balance requirements. Holiday Savings Accounts earn the same competitive rate while helping members plan seasonal spending. Deposits are insured by NCUA up to $250,000, providing security while maintaining liquidity for everyday needs or emergencies.
Auto Loans
We provide competitive financing for new and used vehicles, including cars, motorcycles, boats, and RVs. Terms up to 72 months for new vehicles and 60 months for recent used models start at 5.34% APR. Our fast approval process helps members drive away in their new vehicle quickly while maintaining affordable monthly payments.
Credit Cards
The Visa Platinum Credit Card offers global acceptance and competitive rates starting at 6.49% APR. This card provides purchase protection and convenience for everyday transactions, with rewards programs and security features designed for both in-person and online shopping experiences across millions of merchant locations.
Home Equity Loans
We offer fixed-rate home equity loans and lines of credit starting at 2.49% APR. These products allow members to finance home improvements, education expenses, or debt consolidation with no annual fees. Lines of credit require maintaining open status for two years to avoid closing costs, providing flexible access to home equity funds.
Mobile Banking
Our mobile app enables 24/7 account management through Apple and Google Play stores. Features include balance checks, bill payments, mobile check deposits, and transaction alerts. This secure platform integrates with all account types, offering convenience while maintaining FDIC-insured protection for digital banking activities.
Questions
How can I become a member of Focus First Federal Credit Union?
Membership is open to anyone living, working, or attending school in Monroe County, NY, plus family members of existing members.
What loan products do you offer?
We provide auto loans, home equity loans, personal loans, credit cards, and specialty financing for RVs, boats, and vacations with competitive rates.
Are my deposits insured?
Yes, all deposits are insured by the National Credit Union Administration up to $250,000 per account.
Do you have 24/7 access to accounts?
Yes, through our mobile app and surcharge-free ATM network available 24 hours daily across the Rochester area.
Can I apply for loans online?
Yes, we offer convenient online loan applications for most products with fast approval processes.
What special programs do you offer for children?
Our Dinosaver Kids Club teaches financial literacy with $5 minimum deposits and rewards for regular savings habits.
