At a glance
From its website, read 2 Nov 2026First Family Federal Credit Union is a credit union based in Henryetta, Oklahoma. Its website describes auto loans, small-dollar emergency loans, home mortgages and 2 other loan types. Consumer loan APRs stated on its site range from 5.24% to 10.95%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (918) 652-4407 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.firstfamilyfcu.com |
| Office (official list) | 402 E Main St, Henryetta, OK 74437 |
What their website says about applying
Call us today to find what loan works best for you!
sourceCall us at 918-652-4407 or apply now to get started!
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate: from 8.99% APR | As low as 8.99% APR | source |
| Loans (general) | Rate: 9.9% APR | offers a low-interest rate of 9.9% APR | source |
| Auto / vehicle loans | Rate: from 5.24% APR | As low as 5.24% APR | source |
| Personal / consumer loans | Rate: from 10.95% APR | As low as 10.95% APR | source |
| Auto / vehicle loans | Term: up to 6 yr | Up to 72 months* | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 21 Oct 2026 |
| RSSD ID | 663982 |
| Address | 402 E Main St, Henryetta, OK 74437 Directions (Google Maps) |
| Website | www.firstfamilyfcu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 6 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Service area and borrower eligibility were not stated on the pages fetched, and the business and real estate loan entries are only listed by name. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | First Family Federal Credit Union offers vehicle loans for its members. | source |
| Small-dollar / emergency loans | up to $1,000 | Borrow up to $1,000, cash in your account in 1 to 2 business days | source |
| Home mortgages | — | Manufactured Home Loans | source |
| Personal / consumer loans | — | First Family Federal Credit Union offers personal loans for its members. | source |
| Small-business loans | — | Business / Commerical Loans | source |
Loan sizes
Borrow up to $1,000, cash in your account in 1 to 2 business days, and easily manage your loan with the CashPlease online portal.
source
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply 24/7
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$2.8 million in 3 awards from the U.S. Treasury's CDFI Fund, 2020–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2021 | CDFI Rapid Response Program | $1,500,000 |
| 2020 | CDFI Program, Financial Assistance | $750,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as FIRST FAMILY (charter 11057). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $154.4 million (as of 30 Jun 2026) |
|---|---|
| Members | 19,340 (as of 30 Jun 2026) |
| Offices | 7 (as of 30 Jun 2026) |
Offices by state and county (7)
Oklahoma (7 offices)
- Atoka County (1): 117 S Mississippi Ave, Atoka 74525
- McIntosh County (1): 111 S Paul Carr Dr, Checotah 74426
- Okmulgee County (4): 315 W Main St, Henryetta 74437 (main office); 402 E Main St, Henryetta 74437; 1000 E 20th St, Okmulgee 74447; 1801 E 4th St, Okmulgee 74447
- Pittsburg County (1): 1095 S George Nigh Expy, Mcalester 74501
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by First Family Federal Credit Union (NCUA charter 11057, filed as “FIRST FAMILY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $113.7 million, 11,046 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 5.1% from $108.2 million on 30 Jun 2025 |
| Members | 19,340 (as of 30 Jun 2026); 18,360 (as of 30 Jun 2025) |
| Loans per member | $5,879 (total loans divided by members, 30 Jun 2026) |
| Total assets | $154.4 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $15.4 million | 13.5% |
| Used vehicle loans | $66.9 million | 58.9% |
| First-lien home mortgages (1-4 family) | $2.3 million | 2.0% |
| Commercial (business) loans | $1.4 million | 1.3% |
| Credit cards | $3.7 million | 3.2% |
| Other unsecured loans | $5.5 million | 4.9% |
| Leases and other secured loans | $18.4 million | 16.2% |
None reported on the 30 Jun 2026 report: other real estate loans (junior liens, other).
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $154.4 million | Larger than 46% of the 284 other certified credit unions nationwide (median $182.7 million). |
| Loans as a share of assets | 74% | Median of the same 284 credit unions: 69%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $108.2 million → $113.7 million (+5%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 149 → 149. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 46% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 149 → 149 of 283 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Henryetta and Oklahoma
- Arbuckle Federal Credit UnionCredit union · Ada, OKAuto / vehicle loans, Equipment loans, Home mortgages, Personal / consumer loansVerified
- Chickasaw Community BankBank or thrift · Oklahoma City, OK · Native CDFIHome mortgages, Small-business loansVerified
- Citizen Potawatomi Community Development CorporationLoan fund · Shawnee, OK · Native CDFIAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Local BankBank or thrift · Hulbert, OK · Native CDFIAgriculture / farm loans, Auto / vehicle loans, Equipment loans, Home mortgages…Verified
- MetaFund Corporation f.k.a. Oklahoma MetaFund CDCVenture capital fund · Edmond, OKEquipment loans, Small-business loansVerified
- Muskogee Federal Credit UnionCredit union · Muskogee, OKAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at First Family Federal Credit Union? Link to this page
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