--- title: "Family First Credit Union: #1 Mortgage in Georgia" description: "Family First Credit Union has the lowest tracked 30-year fixed mortgage rate in Georgia (6.64% APR) among 6 credit unions we verify. Family First Credit Union rates today: 30 year fixed mortgage 6.64% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Family First Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/georgia/family-first" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Family First Credit Union: #1 Mortgage in Georgia ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 6.645% APR | 6.490% | — | Standard | Family First Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Family First Credit Union offers a 30-year fixed mortgage at 6.645% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/georgia/family-first) , verified from [Family First Credit Union's official website](https://ffcuga.org/) Best product position **#1 of 6** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **35 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Georgia markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.64% | #1 of 6 · lowest in Georgia | State market leader | 35 bp better than median | Published rate position by product as of November 12, 2026 This is the public snapshot. Claim Family First Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=family-first&state=georgia&code=GA&name=Family%20First%20Credit%20Union) Loading branch locator… ## About Family First Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 10.4K Assets $133.7M Founded 1930 Locations reported 4 NCUA charter 61831 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Delta Community** Atlanta (Technical Operations Center) · Atlanta · GA · 30354-3743 Branch in the same ZIP](https://rateapi.dev/credit-unions/georgia/delta-community) [**Southern Energy** Forest Park · Forest Park · GA · 30297 About 2.3 miles away](https://rateapi.dev/credit-unions/alabama/southern-energy) [**Ent** Atlanta · College Park · GA · 30337-5701 About 4.4 miles away](https://rateapi.dev/credit-unions/colorado/ent) [**Associated Credit Union** Associated Credit Union - Ft McPherson · Atlanta · GA · 30310 About 5.2 miles away](https://rateapi.dev/credit-unions/georgia/associated-credit-union) [**Credit Union of Atlanta** Credit Union of Atlanta · Atlanta · GA · 30310 About 5.4 miles away](https://rateapi.dev/credit-unions/georgia/credit-union-of-atlanta) [**Peach State** Glenwood · Atlanta · GA · 30316-2048 About 6.0 miles away](https://rateapi.dev/credit-unions/georgia/peach-state) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Family First Credit Union Membership eligibility from Family First Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Family First Credit Union's website. Check the membership page below to confirm whether you qualify. - Location fulton, carroll, cherokee, clayton, cobb, coweta, dekalb, douglas, fayette, forsyth, gwinnett — GA - Employer Fulton County School, Atlanta Public School, Customary Advisory, Sodexo, Safebuilt, CH2, Kelley Services, Action Awards, B&P Iron Co., Beck Atlanta, Builder's Steel Supply, Inc., Chick-fil-a (Hapeville Dwarf House only), Corrugated Gear & SVCS, Delmar Gardens, Earthgrains / Ralcorp, Ego North America, Estes Heating & Air, Estex Manufacturing Co., Flexocraft Inc., Geiger International / Brickel, General Paper Goods, International Truck & Engine / Navistar, JD’s Glassworks, Lathem Time Corp., MA Industries, McElroy Specialty Interiors, Inc., Metro Waterproofing, Murphy & Orr, Owens Packaging Co. of America, PPG IND, Pye Barker Supply Co., Quaker Oats / Gatorade, Royal Oak Enterprises, Rush Trucking, Stasco Mechanical Contractors, Steel, Inc., Suzannah’s Kitchen, Sweetheart Cup Co., Thomas Concrete, Weaver Transportation Co., William L. Bonnell Co., Inc. - School Atlanta Academy, Atlanta International School, Bridgeway Christian Academy, Cumberland Academy of Georgia, Fellowship Christian School, Fulton Academy of Science & Technology, High Meadows School, Landmark Christian School, Pace Academy, The Bedford School, The Lovett School, The Westminster Schools, Woodward Academy, Amana Academy, Chattahoochee Hills Charter, Kipp South Fulton Academy, Hapeville Charter Middle School, Hapeville Career Academy, The Main Street Academy, Skyview High School, RISE Grammar School, RISE Prep School, FAST Academy, Wesley International, Atlanta Speech School, Brandon Hall School, Lionheart School, North & South Metro Programs, Romar Academy, The Howard School, The Schenck School, Trinity School Verified from [Family First Credit Union's membership page](https://ffcuga.org/who-can-join.php) . Final membership determination is always made by the credit union. ## Membership rules for Family First Credit Union Geography 11 counties · Employers 45 · Schools 32 · Family 4 103 published paths to membership, last verified August 27, 2026, quoted from Family First Credit Union’s own published criteria. ### Geography 11 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Carroll County, GA - Cherokee County, GA - Clayton County, GA - Cobb County, GA - Coweta County, GA - Dekalb County, GA - Douglas County, GA - Fayette County, GA - Forsyth County, GA - Fulton County, GA - Gwinnett County, GA “All who live or work in Fulton County” > [source ↗](https://ffcuga.org/who-can-join.php) ### Employers 45 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Fulton County School “All Fulton County School employees (includes teachers, administration transportation, nutrition, maintenance, and resource officers)” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Fulton County School - Employee of Atlanta Public School “All Atlanta Public School employees (includes teachers, administration, transportation, nutrition, maintenance, and resource officers)” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Atlanta Public School - Employee of Customary Advisory “All Customary Advisory employees” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Customary Advisory - Contractor of Sodexo “Sodexo contracted employees at Atlanta Public Schools*” > [source ↗](https://ffcuga.org/who-can-join.php) - Contractor for Sodexo - Contractor of Safebuilt “Safebuilt contracted employees at Johns Creek Municipality*” > [source ↗](https://ffcuga.org/who-can-join.php) - Contractor for Safebuilt - Contractor of CH2 “CH2 contracted employees at Johns Creek Municipality*” > [source ↗](https://ffcuga.org/who-can-join.php) - Contractor for CH2 - Contractor of Kelley Services “Kelley Services contracted employees at Fulton County Schools*” > [source ↗](https://ffcuga.org/who-can-join.php) - Contractor for Kelley Services - Employee of Action Awards “Action Awards” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Action Awards - Employee of B&P Iron Co. “B&P Iron Co.” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of B&P Iron Co. - Employee of Beck Atlanta “Beck Atlanta” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Beck Atlanta - Employee of Builder's Steel Supply, Inc. “Builder's Steel Supply, Inc.” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Builder's Steel Supply, Inc. - Employee of Chick-fil-a (Hapeville Dwarf House only) “Chick-fil-a (Hapeville Dwarf House only)” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Chick-fil-a (Hapeville Dwarf House only) - Employee of Corrugated Gear & SVCS “Corrugated Gear & SVCS” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Corrugated Gear & SVCS - Employee of Delmar Gardens “Delmar Gardens” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Delmar Gardens - Employee of Earthgrains / Ralcorp “Earthgrains / Ralcorp” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Earthgrains / Ralcorp - Employee of Ego North America “Ego North America” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Ego North America - Employee of Estes Heating & Air “Estes Heating & Air” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Estes Heating & Air - Employee of Estex Manufacturing Co. “Estex Manufacturing Co.” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Estex Manufacturing Co. - Employee of Flexocraft Inc. “Flexocraft Inc.” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Flexocraft Inc. - Employee of Geiger International / Brickel “Geiger International / Brickel” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Geiger International / Brickel - Employee of General Paper Goods “General Paper Goods” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of General Paper Goods - Employee of International Truck & Engine / Navistar “International Truck & Engine / Navistar” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of International Truck & Engine / Navistar - Employee of JD’s Glassworks “JD’s Glassworks” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of JD’s Glassworks - Employee of Lathem Time Corp. “Lathem Time Corp.” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Lathem Time Corp. - Employee of MA Industries “MA Industries” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of MA Industries - Employee of McElroy Specialty Interiors, Inc. “McElroy Specialty Interiors, Inc.” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of McElroy Specialty Interiors, Inc. - Employee of Metro Waterproofing “Metro Waterproofing” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Metro Waterproofing - Employee of Murphy & Orr “Murphy & Orr” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Murphy & Orr - Employee of Owens Packaging Co. of America “Owens Packaging Co. of America” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Owens Packaging Co. of America - Employee of PPG IND “PPG IND” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of PPG IND - Employee of Pye Barker Supply Co. “Pye Barker Supply Co.” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Pye Barker Supply Co. - Employee of Quaker Oats / Gatorade “Quaker Oats / Gatorade” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Quaker Oats / Gatorade - Employee of Royal Oak Enterprises “Royal Oak Enterprises” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Royal Oak Enterprises - Employee of Rush Trucking “Rush Trucking” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Rush Trucking - Employee of Stasco Mechanical Contractors “Stasco Mechanical Contractors” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Stasco Mechanical Contractors - Employee of Steel, Inc. “Steel, Inc.” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Steel, Inc. - Employee of Suzannah’s Kitchen “Suzannah’s Kitchen” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Suzannah’s Kitchen - Employee of Sweetheart Cup Co. “Sweetheart Cup Co.” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Sweetheart Cup Co. - Employee of Thomas Concrete “Thomas Concrete” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Thomas Concrete - Employee of Weaver Transportation Co. “Weaver Transportation Co.” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Weaver Transportation Co. - Employee of William L. Bonnell Co., Inc. “William L. Bonnell Co., Inc.” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of William L. Bonnell Co., Inc. - Employee of Sodexo “Sodexo contracted employees at Atlanta Public Schools*” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Sodexo - Employee of Safebuilt “Safebuilt contracted employees at Johns Creek Municipality*” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Safebuilt - Employee of CH2 “CH2 contracted employees at Johns Creek Municipality*” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of CH2 - Employee of Kelley Services “Kelley Services contracted employees at Fulton County Schools*” > [source ↗](https://ffcuga.org/who-can-join.php) - Employee of Kelley Services ### Schools 32 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Atlanta Academy “Atlanta Academy” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Atlanta Academy - Student of Atlanta International School “Atlanta International School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Atlanta International School - Student of Bridgeway Christian Academy “Bridgeway Christian Academy” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Bridgeway Christian Academy - Student of Cumberland Academy of Georgia “Cumberland Academy of Georgia” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Cumberland Academy of Georgia - Student of Fellowship Christian School “Fellowship Christian School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Fellowship Christian School - Student of Fulton Academy of Science & Technology “Fulton Academy of Science & Technology” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Fulton Academy of Science & Technology - Student of High Meadows School “High Meadows School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at High Meadows School - Student of Landmark Christian School “Landmark Christian School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Landmark Christian School - Student of Pace Academy “Pace Academy” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Pace Academy - Student of The Bedford School “The Bedford School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at The Bedford School - Student of The Lovett School “The Lovett School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at The Lovett School - Student of The Westminster Schools “The Westminster Schools” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at The Westminster Schools - Student of Woodward Academy “Woodward Academy” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Woodward Academy - Student of Amana Academy “Amana Academy” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Amana Academy - Student of Chattahoochee Hills Charter “Chattahoochee Hills Charter” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Chattahoochee Hills Charter - Student of Kipp South Fulton Academy “Kipp South Fulton Academy” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Kipp South Fulton Academy - Student of Hapeville Charter Middle School “Hapeville Charter Middle School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Hapeville Charter Middle School - Student of Hapeville Career Academy “Hapeville Career Academy” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Hapeville Career Academy - Student of The Main Street Academy “The Main Street Academy” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at The Main Street Academy - Student of Skyview High School “Skyview High School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Skyview High School - Student of RISE Grammar School “RISE Grammar School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at RISE Grammar School - Student of RISE Prep School “RISE Prep School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at RISE Prep School - Student of FAST Academy “FAST Academy” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at FAST Academy - Student of Wesley International “Wesley International” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Wesley International - Student of Atlanta Speech School “Atlanta Speech School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Atlanta Speech School - Student of Brandon Hall School “Brandon Hall School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Brandon Hall School - Student of Lionheart School “Lionheart School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Lionheart School - Student of North & South Metro Programs “North & South Metro Programs” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at North & South Metro Programs - Student of Romar Academy “Romar Academy” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Romar Academy - Student of The Howard School “The Howard School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at The Howard School - Student of The Schenck School “The Schenck School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at The Schenck School - Student of Trinity School “Trinity School” > [source ↗](https://ffcuga.org/who-can-join.php) - Student at Trinity School ### Family 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member blood relative, adoption, marriage, household member “Family First Credit Union’s field of membership shall include persons related by blood, adoption, or marriage to or living in the same household with a person having a common bond” > [source ↗](https://ffcuga.org/who-can-join.php) - Family member (blood relative, adoption, marriage, household member) of a member - Family of a member immediate family “Once an approved member joins the credit union, their immediate family members are also eligible for membership.” > [source ↗](https://ffcuga.org/who-can-join.php) - Family member (immediate family) of a member - Family of a member relative, household member “Family First Credit Union’s field of membership shall include persons related by blood, adoption, or marriage to or living in the same household with a person having a common bond as well as persons and surviving spouses of persons who are no longer within the common bond but who were members of…” > [source ↗](https://ffcuga.org/who-can-join.php) - Family member (relative, household member) of a member - Family Of Deceased surviving spouse “Family First Credit Union’s field of membership shall include persons related by blood, adoption, or marriage to or living in the same household with a person having a common bond as well as persons and surviving spouses of persons who are no longer within the common bond but who were members of…” > [source ↗](https://ffcuga.org/who-can-join.php) - Family member (surviving spouse) of a deceased eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Family First Credit Union? Yes No ## Work at Family First Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Family First Credit Union ranks against Georgia peers. - See which AI assistants fetched Family First Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Georgia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=family-first&state=georgia&code=GA&name=Family%20First%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Family First Credit Union offer? Family First Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Family First Credit Union rates updated? RateAPI verifies Family First Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Family First Credit Union's rate data? Rate data is collected directly from Family First Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Family First Credit Union's mortgage rate? As of November 12, 2026, Family First Credit Union offers a 30-year fixed mortgage at 6.645% APR. ### Who can join Family First Credit Union? Family First Credit Union publishes its membership criteria on its own website. RateAPI tracks 103 published membership paths covering 11 counties, 45 employers and 32 schools for Family First Credit Union, each quoted from Family First Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Family First Credit Union's rates against national credit-union benchmarks. [More Georgia credit unions](https://rateapi.dev/credit-unions/georgia) [Georgia mortgage rate leaders](https://rateapi.dev/mortgage-rates/georgia) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://ffcuga.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Family First Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Georgia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Family First Credit Union curl "https://api.rateapi.dev/credit-unions/georgia /family-first " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Family First Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/georgia/family-first Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp