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Family First Federal Credit Union offers traditional banking services including checking, savings, loans, and credit cards to its members with rates starting as low as 3.99% APR on auto loans.
Data compiled from public sources
Family First Federal Credit Union is an established financial cooperative that has served its membership for at least 70 years, as evidenced by their recent 70th Annual Membership Meeting. As a credit union, the organization operates on a member-owned cooperative model rather than as a for-profit institution, which typically translates to rate claims to verify and member-focused policies.
The credit union provides a comprehensive suite of consumer banking services including multiple checking and savings account options (Preferred Checking, Select Checking, Plus Checking, Basics Checking, and Share Accounts), certificates of deposit, and a full range of loan products. Their lending offerings span auto loans (new and used vehicles, recreational vehicles) with rates as low as 3.99% APR, mortgages with flexible terms, home equity loans, personal loans starting at 8.49% APR, credit cards at 12.90% APR, and secured loan options. They also offer ancillary services like free e-bill pay, free debit cards, ATM access, phone banking, wire transfers, money orders, and US savings bonds.
Family First distinguishes itself through its credit union structure, which typically means members have voting rights and access to member-exclusive rates and products. The organization emphasizes accessibility with multiple account tiers to serve different financial profiles and provides free digital banking tools including online banking, mobile app access, and phone banking services. Their competitive auto loan rates and flexible mortgage messaging suggest an emphasis on major life purchases.
The primary limitation is the lack of detailed information about membership eligibility requirements, which is standard for credit unions but not transparently presented on their homepage. Additionally, while rates are mentioned for select products, the full rate schedules and specific terms are not visible without accessing their rates page or contacting the institution directly. The website provides limited transparency regarding minimum deposits, account fees beyond a referenced fee schedule, or qualification requirements for their lowest advertised rates.
This is state-level context for Credit Unions consumers in Great Falls, MT. It does not confirm that Family First or this specific location is licensed.
State regulator
Montana Division of Banking and Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Family First offers 19 services including Preferred Checking accounts, Select Checking accounts, Plus Checking accounts, Basics Checking accounts, Share Savings accounts, and 14 more.
Family First has profile signals associated with Credit union members seeking competitive auto financing and mortgages, Consumers wanting multiple checking account tiers based on their balance and activity level, Individuals valuing free digital banking tools and member-owned financial institution benefits, Borrowers looking for flexible home loan and home equity options.
Key strengths: Auto loan rates as low as 3.99% APR for new and used vehicles; Multiple checking account options (6 varieties) to match different member needs and balances; Free digital banking services including e-bill pay, debit cards, phone banking, and mobile app. Areas to consider: Membership eligibility criteria not clearly stated on homepage, creating potential barriers to access; Credit card APR of 12.90% is relatively high compared to many national card issuers.
In the Credit Unions category, comparable providers include Altana, Badlands, Bitterroot Community. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Family First Federal Credit Union is profile signals for existing or eligible members seeking rate claims to verify on auto loans and mortgages within a member-owned cooperative structure. The main caveat is that membership eligibility is not clearly defined on their website, and prospective members should verify they qualify before applying.
Altana Federal Credit Union is a member-owned financial institution offering checking, savings, loans, and financial counseling services to the Billings, Montana community.
Profile signals: Billings-area residents seeking personalized, community-focused banking, Parents wanting to teach children financial habits through the Zing! youth savings program
Badlands Federal Credit Union is a member-owned, not-for-profit credit union serving Dawson, Prairie, and Wibaux Counties in Montana since 1941.
Profile signals: Residents of Dawson, Prairie, or Wibaux Counties, Montana seeking community-focused financial services, Employees or volunteers working in organizations headquartered within the three-county service area
Bitterroot Community Federal Credit Union is a member-owned financial institution serving the Bitterroot Valley area with personal banking services, online access, and mobile banking.
Profile signals: Bitterroot Valley and southwestern Montana residents seeking community-focused banking, Members prioritizing member-owned cooperative banking model over corporate financial institutions
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