PROTECT OUR COMMUNITY: CORONAVIRUS DISEASE (COVID-19)

For the latest updates, from The WHO on the Coronavirus (COVID-19), and how to keep you and your family safe, click here.

To stay up-to-date on the latest news in our area, click here to visit WSB-TV Atlanta Channel 2.

Family First Members,

We hope this message finds you well and tucked into your home while staying healthy.  We want to encourage all of you to stay in your homes unless you need to go to the grocery store or any other essential place.  Family First Credit Union is doing all that we can to protect our members, employees, and the community from the Coronavirus and would like to provide an update on the current status of the Credit Union.

• Stephen Smith, President and CEO of Family First Credit Union, has written a letter to our membership about important changes and updates that Family First Credit Union is doing in order to help our membership and employees stay safe while maintaining the highest level of service and integrity.  Click Here to read the letter from our President, Stephen Smith.


• Plexiglas has been installed in the front lobby at the Teller stations for the protection of both you and our employees.


• On March 19, 2020, due to the area wide school shutdowns and recommendations from the Centers for Disease Control, Family First Credit Union began temporarily closing our branches to membership except for the drive thru and lending access functions.  Our Call Center is available by phone during normal business hours and we have two drive thru lanes open at both branches to serve members.  Click here for our Contact Us information.  Lending remains open for all consumer Loans.  All loans are being disbursed by our online solution IMM esign which allows you to sign your loan package through email and have no need to visit the branch.  After signing, we will deposit the loan proceeds into your account.  If you do not have the ability to use IMM esign, you may make an appointment and visit either branch in order to complete the process.  We are strongly encouraging you to make every effort to sign electronically.  In the event that you must come in, we will be signing loans out at the Teller window behind the Plexiglas.  Our Member Service Representatives will be available to assist our members with questions about their savings and checking accounts via telephone.  We announced this temporary closure of full access to our branches to be for the next two weeks, however, it could be longer.  We will follow recommendations from the CDC.  This could stay in effect until the schools reopen.


• Family First is offering the following solutions to help provide relief to members that have suffered a loss of household wages, unexpected expenses, and safety preparedness due to the Coronavirus COVID-19:


• Disaster Relief Loan – Members can borrow up to $1,500.00 for a maximum term of 18 months. The rate is fixed at 6.90% regardless of credit score. The first payment date will be due in 90 days. Approval is based upon creditworthiness including credit history, debt ratio, length of employment, and more. 
• Skip-A-Payment Assistance – Members can apply to skip up to two consecutive payments on their consumer loans to help relieve paying bills during this difficult time. We will waive all skip payment fees due to the Coronavirus COVID-19 crisis.
• Loan Modification – If the “Disaster Relief Loan” or “Skip-A-Payment Assistance Program” does not help your current situation due to the Coronavirus COVID-19 crisis, management will consider a “Loan Modification” which may include payment deferrals or extensions of repayment terms. This will be on a case-by-case basis.
  
  
• We have MANY remote solutions for you in order to protect you during these difficult times.  Please click the links below to take advantage of these options…


• Drive Thru – After careful consideration, all drive thru locations will remain open during regular business hours.  Please know that we are aware of special exceptions during this time and will work tirelessly to meet your needs. 
• Call Center – Contact our Call Center Monday – Friday from 9am – 5pm and Saturday from 9am to 12pm at 404-768-4980 (Hapeville) or 770-667-8114 (Roswell).  Contact Us
• Audio Response System (24 Hour Express Line Teller) – Did you know that we have a 24-hour telephone response system, which is a major convenience during these times?  You can check your account balances and transactions at the touch of your phone keypad.  Express Line Teller
• Online Banking – During these trying times, Family First wants to make your convenience our priority.  You can remotely access account information 24 hours a day, just like with our Express Line Teller, but on your smart device. Click here for online banking.
• Bill Pay – Save your money that’s normally spent on checks and postage, Family First has FREE bill pay options!  Free Bill Pay
• Mobile Banking – You can view your account balances and perform account transfers directly from your mobile device. Mobile Banking
• Mobile Check Deposit – Do you have a check that needs to be deposited?  No worries, do it remotely from the safety of your own home with our convenient online mobile check deposit.  Mobile Check Deposit
• Allpoint Network – Did you know that you have over 55,000 FREE ATM machines within a 5-mile radius of your location?  This also includes all our branch and off-site locations. ATM Services
• Loans – Family First Credit Union is aware of the uncertain times that lie ahead.  We are here for you!  Visa Cards, Signature Loans, Auto Loans, HELOC’s…check us out! Loans


• Please understand that due to the recommendations of the CDC and local government, we are operating under a reduced number of employees working physically at the branches.  All other employees are diligently working from home to assist you with your phone calls.

Learn How to Spot Scammers
Unfortunately, scammers really attempt to take the utmost advantage in uncharted times. People will try to play on your fears of COVID-19 by offering fake products, creating fake charities or coaxing you to click fraudulent links and gaining access to your personal information.  Help protect yourself by remaining aware and following these tips:

• Be cautious of anyone attempting to prey on your emotions by using threatening messages.
• Take special note of emails containing links and never provide confidential information unless you initiated the conversation.
• Be mindful of attempts to impersonate your employer.
• Watch for bad grammar and misspellings in unsolicited emails and text messages.
• When in doubt, call back.  If someone calls you claiming to be from a financial institution or any person requesting your personal information, hang up and call the correct number for the institution to verify its legitimacy.

If you think you may have fallen victim to one of these scams, be sure to call Family First Credit Union as soon as possible at 404-768-4980 or 770-667-8114.  There is always someone standing by to help you.

Federally Insured
You don’t have to worry about the safety or accessibility of your funds at Family First Credit Unions. All deposits at federally insured credit unions are protected by the National Credit Union Share Insurance Fund, with deposits insured up to at least $250,000 per individual depositor.

Learn more about the National Credit Union Share Insurance Fund.

Family First Credit Union is committed to working with the members who have been affected by the Coronavirus and will do our best to help in anyway during this crisis.  We love serving our members and are dedicated to taking care of you in these difficult times of need.  Be safe and healthy!