FOCUS FIRST

Headquarters

1546 LYELL AVENUE
Rochester, NY 14606
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Focus First is an NCUA insured institution located in Rochester, NY. It was founded in 1955 and has approximately $14.01 millions in assets.

NCUA Insured Yes
Charter Number # # 10220
Date Established 1955
Assets $14.01 million
Loans $6.01 million
Deposits $7.91 million
Capital $6.09 million
 

Deposit Rates - December 2, 2020

Your Current Location: Virginia, VA 20146

We do not yet have rates for Focus First

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Advertiser Disclosure

Loan Rates - December 2, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for FOCUS FIRST

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
2.551% 2.500% 0.63 $1,685 $988 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.557% 2.500% 0.50 $1,890 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to FOCUS FIRST
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Focus First branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Focus First Locations


Financial Details

Focus First Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Focus First. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Focus First U.S. Average
1.97% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Focus First had $101,959 in non-current loans and $18,830 in owned assets. To cover these potential losses it had $6,093,521 in net worth and $42,509 in loans loss reserves. That gives it a Texas Ratio of 1.97%.

Net Worth
Focus First U.S. Average
43.49% 13.61%

Focus First FCU has a net worth of 43.49% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Focus First

Branches and Savings

What is Focus First?

A federal credit union, registered with the NCUA under certificate #10220.
Learn more about credit unions here.

Is Focus First FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Focus First?

Please see Field of Membership information above for information on who is eligible to join.

What are Focus First's share account and share certificate rates?

Focus First's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Focus First?

Focus First has total capital of $6.09 million. Full information on Focus First's financial position is located above.

Who owns Focus First?

Credit Unions are owned by their members.

Where are Focus First branches located?

See branch locations nearby.

Are Focus First ATMs Open 24/7?

Do Focus First ATMs accept cash deposits?

Can Focus First customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Focus First have a mobile app?

Does Focus First have mobile deposit?

Does Focus First have quick pay?

How can Focus First transfer money to other banks or credit unions?

Does Focus First report to credit bureaus?

Does Focus First use Chexsystems?

Does Focus First use Equifax?

What is Focus First's toll free phone number?

What is Focus First's ACH Routing Number?

What is Focus First's SWIFT code?

Where can I find Focus First's wire transfer form?

What is the Focus First address for deposits?

What Products Does Focus First Offer

Does Focus First offer mortgages?

Compare mortgage rates here.

Does Focus First offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Focus First offer auto and RV loans?

Compare auto loan rates here.

Does Focus First offer student loans or personal loans?

Compare personal loan rates here.

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