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Welcome to Family Federal Credit Union

We’re a full-service financial institution, serving anyone who lives, works, worships or attends school in Wilmington. As a not-for-profit, member-owned cooperative, we’re dedicated to giving our members value. Instead of making profits for a small group of stockholders, we return our profits to our members in the form of competitive savings yields and lower loan rates.

Our mission

Provide financial services and financial literacy to the Harbor Area community.

Our Vision

To be the trusted financial institution to the Harbor Area.

100 members take savings challenge

Congratulations to the smart members who pledged to make weekly deposits for 52 weeks, increasing the deposit amount by $1 each week. By April 2015, they will each have saved $1,378!

And good luck to them as well, as everyone who completes the challenge will be entered in a drawing for two $50 iTunes Gift Cards. Plus, each month everyone who reaches their deposit goal can win a prize as well. Ines Geraldo won a cooler in our first drawing.

It's not too late to take the challenge; see our staff about making a one-time "catch-up" deposit.

Winners need not be present. Odds depend on number of entries.

Loan application fee

Effective June 30, 2014, Visa and consumer loan applications are subject to a $25 processing fee.

Sign up for eStatements to avoid $2 fee

Effective January 1, 2014, there is a $2 monthly fee for mailed paper statements. Avoid this fee by signing up for eStatements through eBanking.

Don’t tax my credit union

The nation’s banks want to eliminate competition by convincing Congress to tax credit unions. If they succeed, you’ll have no choice but to pay bank’s high rates and fees! Learn how you can help us fight back.

What will health insurance cost you?

The Affordable Care Act may help you get the health insurance coverage you and your family need at a reasonable cost. Use this easy and convenient calculator* to estimate your annual premiums based on your zip code.

Then you can compare the available insurance plans and even sign up at Covered California.

Share this information with friends and family
Just click here and enter your friend or relative’s email address to send them a link to this convenient calculator, as well as to the insurance exchanges for other states if they don’t live in California.

*Provided courtesy of the Kaiser Family Foundation, a non-profit organization dedicated to providing independent information on major health issues.

CEO honored as Unsung Hero

Family FCU President/CEO Lucia Moreno-Linares was named a recipient of an Unsung Hero Award presented by the California and Nevada Credit Union League. The award honors individuals within the credit union field who have made significant contributions to the community. Moreno-Linares said, "I appreciate this award greatly because it shows Family Federal Credit Union is carrying out the credit union spirit by helping improve the lives of people in our community."

CEO honored as Unsung Hero
L-R: Family FCU Board Vice Chairperson Raquel H Gutierrez; California and Nevada Credit Union Leagues’ EVP and COO Lucy Ito; Family FCU CEO and Unsung Hero Award recipient Lucia Moreno-Linares; Board President Luisa Valladolid; Board member Eliseo Sanchez; and Board Treasurer Florencio Rodriguez.

Friends Don’t Let Friends Pay Debit Card Fees

Because they know you, your friends and family don’t have to pay debit card fees. Just let them know they can open a Family Federal Credit Union account and get:

  • FREE Checking
  • FREE, Unlimited Debit Card Transactions
  • FREE use of 55,000 ATMs Nationwide

It’s easy. Just have them call 310/ 835-6132 — or visit our office — and tell us that you sent them. It’s the friendly, and right thing to do.

Apply Online

Ready to get your loan fast? Simply log-in to eBanking to apply anytime, anywhere for credit cards and vehicle, boat and personal loans. It's fast, convenient, safe, and secure.

We're turning 30

Thirty years of service

In 1983, Father Luis Valbuena’s parishioners in Wilmington were paying high interest rates on loans because many had poor or no credit histories. Unfortunately, the banks didn’t seem to want to serve them. So he helped get our credit union started so it would be responsive to members’ needs with low-cost financial services.

Thanks to community support and participation, Family Federal Credit Union was a success and now offers federally insured savings, free checking, vehicle, personal and home loans, debit and credit cards, online and phone banking, and free financial education classes. Watch our website and future newsletters for 30th anniversary celebrations.



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Special credit union discounts