☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
First Financial Credit Union

iAdvertiser Disclosure

First Financial Credit Union Rates & Review November 2026

Q: What are the current interest rates at First Financial Credit Union?

Current rates for First Financial Credit Union include: 12-Month CD: 3.76%, 18-Month CD: 3.92%, 24-Month CD: 4.07%, 60-Month CD: 3.56%, Savings: 0.70%, MMA: 2.27%

Q: What CD terms does First Financial Credit Union offer?

First Financial Credit Union CD rates are 3.76% APY for a 12 month CD, 3.92% APY for an 18 month CD, 4.07% APY for a 2 year CD, 4.07% APY for a 30 month CD and 3.56% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with First Financial Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

First Financial Credit Union's 24 Month 1st CDs rates are at 4.07%, 24 Month Term CDs (TSC) rates are at 4.07%, 30 Month 1st CDs rates are at 4.07%, 30 Month Term CDs (TSC) rates are at 4.07%, 18 Month 1st CDs rates are at 3.92%. First Financial Credit Union's savings rates are at 0.70%. First Financial Credit Union's money market rates are at 2.27%. First Financial Credit Union's checking rates are as high as 5.05%. First Financial Credit Union's Personal Loan Rates are as low as 10.49%. First Financial Credit Union's Credit Card Rates are at 6.90%. First Financial Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of First Financial Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.54%. Rates last updated and verified on 10/30/2026.

First Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Financial Credit Union? Share your experience about First Financial Credit Union by leaving a review below, or read customer reviews before you decide to use First Financial Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.54%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

First Financial Credit Union
Renaissance / Main Office

4914 Union Way NE
Albuquerque, NM 87107

https://www.ffnm.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

First Financial Credit Union CD Rates

Product	Rate	APY	Term
24 Month Term Share/IRA Jumbo Certificate	4.10%	4.18%	24 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 4.18% ▲ 0.88 pts · high 4.18% / low 3.30% Oct 26, 20264.18%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
30 Month Term Share/IRA Jumbo Certificate	4.10%	4.18%	30 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.09% → 4.18% ▲ 1.09 pts · high 4.18% / low 3.09% Oct 26, 20264.18%▲ from 3.09% Sep 14, 20263.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
24 Month 1st Certificates	4.00%	4.07%	24 Month
Min Deposit $250 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 4.07% ▲ 0.87 pts · high 4.07% / low 3.20% Oct 30, 20264.07%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
24 Month Kirby Kid Certificates	4.00%	4.07%	24 Month
Min Deposit $500 Details Available to members enrolled in the Kirby Kids program (ages 12 & under) Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 4.07% ▲ 0.87 pts · high 4.07% / low 3.20% Oct 30, 20264.07%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
24 Month Term Share Certificates (TSC)	4.00%	4.07%	24 months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 4.07% ▲ 0.87 pts · high 4.07% / low 3.20% Oct 30, 20264.07%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
30 Month 1st Certificates	4.00%	4.07%	30 Month
Min Deposit $250 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 2.99% → 4.07% ▲ 1.08 pts · high 4.07% / low 2.99% Oct 30, 20264.07%▲ from 2.99% Sep 18, 20262.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
30 Month Kirby Kid Certificates	4.00%	4.07%	30 Month
Min Deposit $500 Details Available to members enrolled in the Kirby Kids program (ages 12 & under) Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 2.99% → 4.07% ▲ 1.08 pts · high 4.07% / low 2.99% Oct 30, 20264.07%▲ from 2.99% Sep 18, 20262.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
30 Month Term Share Certificates (TSC)	4.00%	4.07%	30 months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 2.99% → 4.07% ▲ 1.08 pts · high 4.07% / low 2.99% Oct 30, 20264.07%▲ from 2.99% Sep 18, 20262.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
18 Month Term Share/IRA Jumbo Certificate	3.95%	4.02%	18 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 4.02% ▲ 0.72 pts · high 4.02% / low 3.30% Oct 26, 20264.02%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
18 Month 1st Certificates	3.85%	3.92%	18 Month
Min Deposit $250 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 3.92% ▲ 0.72 pts · high 3.92% / low 3.20% Oct 30, 20263.92%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
18 Month Kirby Kid Certificates	3.85%	3.92%	18 Month
Min Deposit $500 Details Available to members enrolled in the Kirby Kids program (ages 12 & under) Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 3.92% ▲ 0.72 pts · high 3.92% / low 3.20% Oct 30, 20263.92%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
18 Month Term Share Certificates (TSC)	3.85%	3.92%	18 months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 3.92% ▲ 0.72 pts · high 3.92% / low 3.20% Oct 30, 20263.92%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
36 Month Term Share/IRA Jumbo Certificate	3.85%	3.92%	36 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.09% → 3.92% ▲ 0.83 pts · high 3.92% / low 3.09% Oct 26, 20263.92%▲ from 3.09% Sep 14, 20263.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
12 Month Term Share/IRA Jumbo Certificate	3.80%	3.87%	12 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.87% ▲ 0.47 pts · high 3.87% / low 3.40% Oct 26, 20263.87%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
36 Month 1st Certificates	3.75%	3.82%	36 Month
Min Deposit $250 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 2.99% → 3.82% ▲ 0.83 pts · high 3.82% / low 2.99% Oct 30, 20263.82%▲ from 2.99% Sep 18, 20262.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
36 Month Kirby Kid Certificates	3.75%	3.82%	36 Month
Min Deposit $500 Details Available to members enrolled in the Kirby Kids program (ages 12 & under) Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 2.99% → 3.82% ▲ 0.83 pts · high 3.82% / low 2.99% Oct 30, 20263.82%▲ from 2.99% Sep 18, 20262.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
36 Month Term Share Certificates (TSC)	3.75%	3.82%	36 months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 2.99% → 3.82% ▲ 0.83 pts · high 3.82% / low 2.99% Oct 30, 20263.82%▲ from 2.99% Sep 18, 20262.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
6 Month Term Share/IRA Jumbo Certificate	3.75%	3.82%	6 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.82% ▲ 0.68 pts · high 3.82% / low 3.14% Oct 26, 20263.82%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
12 Month 1st Certificates	3.70%	3.76%	12 Month
Min Deposit $250 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.76% ▲ 0.46 pts · high 3.76% / low 3.30% Oct 30, 20263.76%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
12 Month Kirby Kid Certificates	3.70%	3.76%	12 Month
Min Deposit $500 Details Available to members enrolled in the Kirby Kids program (ages 12 & under) Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.76% ▲ 0.46 pts · high 3.76% / low 3.30% Oct 30, 20263.76%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
12 Month Term Share Certificates (TSC)	3.70%	3.76%	12 months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.76% ▲ 0.46 pts · high 3.76% / low 3.30% Oct 30, 20263.76%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
6 Month Kirby Kid Certificates	3.65%	3.74%	6 Month
Min Deposit $500 Details Available to members enrolled in the Kirby Kids program (ages 12 & under) Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.74% ▲ 0.70 pts · high 3.74% / low 3.04% Oct 30, 20263.74%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
6 Month 1st Certificates	3.65%	3.71%	6 Month
Min Deposit $250 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.71% ▲ 0.67 pts · high 3.71% / low 3.04% Oct 30, 20263.71%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
6 Month Term Share Certificates (TSC)	3.65%	3.71%	6 months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.71% ▲ 0.67 pts · high 3.71% / low 3.04% Oct 30, 20263.71%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
48 Month Term Share/IRA Jumbo Certificate	3.60%	3.66%	48 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.66% ▲ 0.52 pts · high 3.66% / low 3.14% Oct 26, 20263.66%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
60 Month Term Share/IRA Jumbo Certificate	3.60%	3.66%	60 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.66% ▲ 0.52 pts · high 3.66% / low 3.14% Oct 26, 20263.66%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
6 Month 1st Certificates	3.65%	3.65%	6 Month
Min Deposit $250 Details Available to members ages 13 through 24 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.65% ▲ 0.61 pts · high 3.65% / low 3.04% Oct 30, 20263.65%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
48 Month 1st Certificates	3.50%	3.56%	48 Month
Min Deposit $250 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04% Oct 30, 20263.56%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
48 Month Kirby Kid Certificates	3.50%	3.56%	48 Month
Min Deposit $500 Details Available to members enrolled in the Kirby Kids program (ages 12 & under) Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04% Oct 30, 20263.56%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
48 Month Term Share Certificates (TSC)	3.50%	3.56%	48 months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04% Oct 30, 20263.56%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
60 Month 1st Certificates	3.50%	3.56%	60 Month
Min Deposit $250 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04% Oct 30, 20263.56%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
60 Month Kirby Kid Certificates	3.50%	3.56%	60 Month
Min Deposit $500 Details Available to members enrolled in the Kirby Kids program (ages 12 & under) Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04% Oct 30, 20263.56%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
60 Month Term Share Certificates (TSC)	3.50%	3.56%	60 months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04% Oct 30, 20263.56%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
3 Month Term Share/IRA Jumbo Certificate	3.35%	3.40%	3 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.40% ▲ 0.26 pts · high 3.40% / low 3.14% Oct 26, 20263.40%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
3 Month 1st Certificates	3.25%	3.30%	3 Month
Min Deposit $250 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04% Oct 30, 20263.30%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
3 Month Kirby Kid Certificates	3.25%	3.30%	3 Month
Min Deposit $500 Details Available to members enrolled in the Kirby Kids program (ages 12 & under) Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04% Oct 30, 20263.30%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
3 Month Term Share Certificates (TSC)	3.25%	3.30%	3 months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04% Oct 30, 20263.30%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%

First Financial Credit Union Savings Rates

Product	Rate	APY
IDA Savings Account	0.70%	0.70%
Min Balance $0 Details Balance: All balances Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Christmas Club	0.50%	0.50%
Min Balance $0 Details Balance: All balances Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Vacation Club	0.50%	0.50%
Min Balance $0 Details Balance: All balances Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
IRA Savings	0.45%	0.45%
Min Balance $0 Details Balance: All balances Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Kirby Kids Savings	0.35%	0.35%
Min Balance $5 Details Balance: $5 & Over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Primary Savings	0.35%	0.35%
Min Balance $5 Details Balance: $5 & Over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Secondary/Special Savings	0.15%	0.15%
Min Balance $0 Details Balance: All balances Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%

First Financial Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.25%	2.27%
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.00 and greater Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Money Market Account	2.00%	2.02%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Money Market Account	2.00%	2.02%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Money Market Account	1.75%	1.76%
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Money Market Account	1.75%	1.76%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.76% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Money Market Account	1.75%	1.76%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.76% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Money Market Account	1.50%	1.51%
Min Deposit $500 Min Balance $25 Details Balance: $25.00 - $2,499.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Money Market Account	0.30%	0.30%
Min Deposit $500 Min Balance $0 Details Balance: $0.00 - $24.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%

First Financial Credit Union Checking Rates

Product	Rate	APY
Free Kasasa Cash Checking	-	5.05%
Min Deposit $5 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $15,000.00; Qualifying balance up to $15,000.00; Refunds on ATM withdrawal fees nationwide up to $25 monthly; No monthly maintenance fees; No minimum balance to earn rewards; Monthly Qualification Cycle applies Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Kasasa Cash Checking	4.94%	5.05%
Min Deposit $0 Min Balance $0 Details Balance: 0 - $15,000; Qualifying balance up to $15,000.00 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%

First Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Vehicles (Up to 5 Years Old) - 36 months Loan	-	-	3.99%	36 months
Details Published APR range: As low as 3.99%. As low as; Estimated Monthly Payments: $591.00; Approximate monthly payment based on a $20,000 auto loan Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New & Used Vehicles (Up to 5 Years Old) Loan	-	-	3.99%	36 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New & Used Vehicles (Up to 5 Years Old) - 48 months Loan	-	-	5.19%	48 months
Details Published APR range: As low as 5.19%. As low as; Estimated Monthly Payments: $463.00; Approximate monthly payment based on a $20,000 auto loan Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.09% → 5.19% ▲ 0.10 pts · high 5.19% / low 5.09% Oct 30, 20265.19%▲ from 5.09% Sep 14, 20265.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New & Used Vehicles (Up to 5 Years Old) Loan	-	-	5.19%	48 months
Details As Low As Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.09% → 5.19% ▲ 0.10 pts · high 5.19% / low 5.09% Oct 30, 20265.19%▲ from 5.09% Sep 14, 20265.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New & Used Vehicles (Up to 5 Years Old) - 60 months Loan	-	-	5.69%	60 months
Details Published APR range: As low as 5.69%. As low as; Estimated Monthly Payments: $384.00; Approximate monthly payment based on a $20,000 auto loan Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.69% ▲ 0.20 pts · high 5.69% / low 5.49% Oct 30, 20265.69%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New & Used Vehicles (Up to 5 Years Old) Loan	-	-	5.69%	60 months
Details As Low As Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.69% ▲ 0.20 pts · high 5.69% / low 5.49% Oct 30, 20265.69%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New & Used Vehicles (Up to 5 Years Old) - 66 months Loan	-	-	5.89%	66 months
Details Published APR range: As low as 5.89%. As low as; Estimated Monthly Payments: $356.00; Approximate monthly payment based on a $20,000 auto loan Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.69% → 5.89% ▲ 0.20 pts · high 5.89% / low 5.69% Oct 30, 20265.89%▲ from 5.69% Sep 14, 20265.69%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New & Used Vehicles (Up to 5 Years Old) Loan	-	-	5.89%	66 months
Details As Low As Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.69% → 5.89% ▲ 0.20 pts · high 5.89% / low 5.69% Oct 30, 20265.89%▲ from 5.69% Sep 14, 20265.69%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Used Vehicles (5-7 Years Old) Loan	-	-	5.89%	36 months
Details As Low As; Vehicles 5-7 years old; Please call for rates on Vehicles 7+ Years Old Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.69% → 5.89% ▲ 0.20 pts · high 5.89% / low 5.69% Oct 30, 20265.89%▲ from 5.69% Sep 14, 20265.69%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New & Used Vehicles (Up to 5 Years Old) - 75 months Loan	-	-	5.99%	75 months
Details Published APR range: As low as 5.99%. As low as; Estimated Monthly Payments: $321.00; Approximate monthly payment based on a $20,000 auto loan Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.79% → 5.99% ▲ 0.20 pts · high 5.99% / low 5.79% Oct 30, 20265.99%▲ from 5.79% Sep 14, 20265.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New & Used Vehicles (Up to 5 Years Old) Loan	-	-	5.99%	75 months
Details As Low As Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.79% → 5.99% ▲ 0.20 pts · high 5.99% / low 5.79% Oct 30, 20265.99%▲ from 5.79% Sep 14, 20265.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New & Used Vehicles (Up to 5 Years Old) - 84 months Loan	-	-	6.19%	84 months
Details Published APR range: As low as 6.19%. As low as; Estimated Monthly Payments: $368.00; Approximate monthly payment based on a $20,000 auto loan Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.19% ▲ 0.20 pts · high 6.19% / low 5.99% Oct 30, 20266.19%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New & Used Vehicles (Up to 5 Years Old) Loan	-	-	6.19%	84 months
Details As Low As; $25,000 minimum loan Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.99% → 6.19% ▲ 0.20 pts · high 6.19% / low 5.99% Oct 30, 20266.19%▲ from 5.99% Sep 18, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Used Vehicles (5-7 Years Old) Loan	-	-	6.19%	5-7 years
Details Additional APR listed for this product: 6.29%, 6.79%. As Low As; Vehicles 5-7 years old; Please call for rates on Vehicles 7+ Years Old Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 5.99% → 6.19% ▲ 0.20 pts · high 6.19% / low 5.99% Oct 30, 20266.19%▲ from 5.99% Oct 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
First Time Auto Buyer	-	-	16.99%	84 months
Details As Low As; Maximum $25,000 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 16.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%

First Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	7.99%	75 months
Details Published APR range: As low as 7.99%. As Low As; Approximate Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New Motorcycles Loan	-	7.99%	75 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New Titled Recreational Vehicle Loan	-	8.49%	Up to 144 months
Details Term: Up to 144 months, depending on amount; Published APR range: As low as 8.49%. As Low As; Approximate Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New Titled Recreational Vehicles Loan	-	8.49%	Up to 144 months
Details As Low As; depending on amount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Used Titled Recreational Vehicle Loan	-	8.99%	Up to 144 months
Details Term: Up to 144 months, depending on amount; Published APR range: As low as 8.99%. As Low As; Approximate Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Used Titled Recreational Vehicles Loan	-	8.99%	Up to 144 months
Details As Low As; depending on amount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New Boat Loan	-	9.49%	Up to 144 months
Details Term: Up to 144 months, depending on amount; Published APR range: As low as 9.49%. As Low As; Approximate Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
New Boats Loan	-	9.49%	Up to 144 months
Details As Low As; depending on amount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Used Boat Loan	-	9.74%	Up to 120 months
Details Term: Up to 120 months, depending on amount; Published APR range: As low as 9.74%. As Low As; Approximate Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 9.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Used Boats Loan	-	9.74%	Up to 120 months
Details As Low As; depending on amount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Used Motorcycle Loan	-	9.99%	60 months
Details Published APR range: As low as 9.99%. As Low As; Approximate Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Used Motorcycles Loan	-	9.99%	60 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%

First Financial Credit Union Credit Card Rates

Product	Rate	APR
Mastercard Gold	-	6.90%
Details As Low As; Interest Rate column; All rates given in ANNUAL PERCENTAGE RATE; depending on credit history Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Mastercard Platinum Rewards	-	9.90%
Details As Low As; Interest Rate column; All rates given in ANNUAL PERCENTAGE RATE; depending on credit history Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%

First Financial Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	10.49%	48 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%

First Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	13.25%	36 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Miscellaneous Collateral Loan	-	-	11.99%	60 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Kasasa Saver Savings	2.96%	-	3.00%
Min Deposit $0 Min Balance $0 Details Balance: 0 - $50,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Kasasa Saver Savings	0.50%	-	0.50%
Min Deposit $0 Min Balance $50,000 Details Published APY range: 0.50% - 1.33%. Balance: $50,000+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share Certificates (TSC) - 12 Months	3.70%	-	3.76%	12 Months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.76% ▲ 0.46 pts · high 3.76% / low 3.30% Oct 26, 20263.76%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share Certificates (TSC) - 18 Months	3.85%	-	3.92%	18 Months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.92% ▲ 0.72 pts · high 3.92% / low 3.20% Oct 26, 20263.92%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share Certificates (TSC) - 24 Months	4.00%	-	4.07%	24 Months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 4.07% ▲ 0.87 pts · high 4.07% / low 3.20% Oct 26, 20264.07%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share Certificates (TSC) - 3 Months	3.25%	-	3.30%	3 Months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04% Oct 26, 20263.30%▲ from 3.04% Sep 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share Certificates (TSC) - 30 Months	4.00%	-	4.07%	30 Months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.99% → 4.07% ▲ 1.08 pts · high 4.07% / low 2.99% Oct 26, 20264.07%▲ from 2.99% Sep 14, 20262.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share Certificates (TSC) - 36 Months	3.75%	-	3.82%	36 Months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.99% → 3.82% ▲ 0.83 pts · high 3.82% / low 2.99% Oct 26, 20263.82%▲ from 2.99% Sep 14, 20262.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share Certificates (TSC) - 48 Months	3.50%	-	3.56%	48 Months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04% Oct 26, 20263.56%▲ from 3.04% Sep 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share Certificates (TSC) - 6 Months	3.65%	-	3.71%	6 Months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.04% → 3.71% ▲ 0.67 pts · high 3.71% / low 3.04% Oct 26, 20263.71%▲ from 3.04% Sep 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share Certificates (TSC) - 60 Months	3.50%	-	3.56%	60 Months
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04% Oct 26, 20263.56%▲ from 3.04% Sep 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share/IRA Jumbo Certificates - 12 Months	3.80%	-	3.87%	12 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.87% ▲ 0.47 pts · high 3.87% / low 3.40% Oct 26, 20263.87%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share/IRA Jumbo Certificates - 18 Months	3.95%	-	4.02%	18 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 4.02% ▲ 0.72 pts · high 4.02% / low 3.30% Oct 26, 20264.02%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share/IRA Jumbo Certificates - 24 Months	4.10%	-	4.18%	24 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 4.18% ▲ 0.88 pts · high 4.18% / low 3.30% Oct 26, 20264.18%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share/IRA Jumbo Certificates - 3 Months	3.35%	-	3.40%	3 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.40% ▲ 0.26 pts · high 3.40% / low 3.14% Oct 26, 20263.40%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share/IRA Jumbo Certificates - 30 Months	4.10%	-	4.18%	30 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.09% → 4.18% ▲ 1.09 pts · high 4.18% / low 3.09% Oct 26, 20264.18%▲ from 3.09% Sep 14, 20263.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share/IRA Jumbo Certificates - 36 Months	3.85%	-	3.92%	36 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.09% → 3.92% ▲ 0.83 pts · high 3.92% / low 3.09% Oct 26, 20263.92%▲ from 3.09% Sep 14, 20263.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share/IRA Jumbo Certificates - 48 Months	3.60%	-	3.66%	48 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.66% ▲ 0.52 pts · high 3.66% / low 3.14% Oct 26, 20263.66%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share/IRA Jumbo Certificates - 6 Months	3.75%	-	3.82%	6 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.82% ▲ 0.68 pts · high 3.82% / low 3.14% Oct 26, 20263.82%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%
Term Share/IRA Jumbo Certificates - 60 Months	3.60%	-	3.66%	60 Months
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.66% ▲ 0.52 pts · high 3.66% / low 3.14% Oct 26, 20263.66%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Financial Credit Union’s Texas Ratio rose from 5.40% in Q3 2023 to 10.54% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	10.54%	5.0	A
March 31, 2026	$1.1B	8.35%	5.0	A
December 31, 2025	$1.1B	10.21%	5.0	A
September 30, 2025	$1.1B	9.59%	5.0	A
June 30, 2025	$989M	6.05%	5.0	A
March 31, 2025	$965M	4.04%	5.0	A+
December 31, 2024	$917M	5.56%	5.0	A+
September 30, 2024	$922M	4.60%	5.0	A+
June 30, 2024	$915M	5.78%	5.0	A+
March 31, 2024	$914M	4.92%	5.0	A+
December 31, 2023	$878M	8.69%	5.0	A
September 30, 2023	$885M	5.40%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for First Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather First Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Financial Credit Union

Website https://www.ffnm.org

Address 4914 Union Way NE, Albuquerque, NM 87107

Phone 505-766-5600

Fax 505-768-7144

President Loretta Montoya

CEO Ronald Moorehead

Full-Time Employees 297

Part-Time Employees 13

Branch Locations 19

ATM Locations 19

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.54%

Return on Assets (ROA)

0.1461%

Return on Equity (ROE)

1.8249%

Non-Performing Loans Ratio (NPL)

1.40%

Total Assets

1,126,590,592

Total Amount of Shares and Deposits

1,018,399,863

Total Shares and Deposits < 1 Year

999,892,481

Total Shares and Deposits 1 3 Years

13,607,508

Total Shares and Deposits > 3 Years

4,899,874

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

61,187,373

Total Uninsured Shares and Deposits > $250K (F+J)

61,187,373

Total Insured Shares and Deposits > $250K (item 17 less item K)

957,212,490

Total Interest Expense (Sum of items 6 8)

6,512,211

Share Certificates

5,613

Number of Accounts for Share Drafts

68,419

IRA KEOGH Accounts

2,640

Number of Accounts for Regular Shares

115,163

Money Market Shares

3,027

Net Income (unless the amount is already included in Undivided Earnings)

1,645,905

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

76,077,965

Total Liabilities

1,051,691,342

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Financial Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/first-financial-credit-union-rates-review-68244">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for First Financial Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for First Financial Credit Union

Frequently Asked Questions About First Financial Credit Union

Does First Financial Credit Union offer CDs?

Yes. First Financial Credit Union current CD rates include its 24 Month 1st CDs at 4.07% APY, its 24 Month Term CDs (TSC) at 4.07% APY and its 30 Month 1st CDs at 4.07% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from First Financial Credit Union NCUA insured?

Yes. First Financial Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First Financial Credit Union?

The highest First Financial Credit Union CD rate is its 24 Month CD/IRA Jumbo CD at 4.18% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does First Financial Credit Union offer?

First Financial Credit Union CD rates are 3.76% APY for a 12 month CD, 3.92% APY for an 18 month CD, 4.07% APY for a 2 year CD, 4.07% APY for a 30 month CD and 3.56% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with First Financial Credit Union for its full lineup.

What is the highest savings rate at First Financial Credit Union?

The highest First Financial Credit Union savings rate is its IDA Savings Account at 0.70% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at First Financial Credit Union?

The highest First Financial Credit Union money market rate is its Money Market Account at 2.27% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at First Financial Credit Union?

The highest First Financial Credit Union checking rate is its Free Kasasa Cash Checking at 5.05% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at First Financial Credit Union?

The lowest First Financial Credit Union auto loan rate is its Used Vehicles (5-7 Years Old) Loan at 5.89% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at First Financial Credit Union?

The lowest First Financial Credit Union personal loan rate is its Personal Loans at 10.49% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at First Financial Credit Union?

The lowest First Financial Credit Union credit card APR is its Mastercard Gold Credit Card at 6.90% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does First Financial Credit Union operate?

First Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join First Financial Credit Union?

Yes, to access services at First Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, First Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does First Financial Credit Union offer online and mobile banking?

Most modern institutions like First Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ffnm.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First Financial Credit Union rates compare?

First Financial Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A health rating. First Financial Credit Union's top rates are its 24 Month CD/IRA Jumbo CD at 4.18% APY, its IDA Savings Account at 0.70% APY, its Money Market Account at 2.27% APY, its Free Kasasa Cash Checking at 5.05% APY, its Personal Loans at 10.49% APR and its Mastercard Gold Credit Card at 6.90% APR, verified by MonitorBankRates on October 30, 2026.

Current First Financial Credit Union Rates

12-Month CD3.76%
18-Month CD3.92%
24-Month CD4.07%
60-Month CD3.56%
Savings0.70%
MMA2.27%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

First Financial Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Financial Credit Union Texas Ratio

First Financial Credit Union Health Trend

First Financial Credit Union CD Rates

First Financial Credit Union Savings Rates

First Financial Credit Union Money Market Rates

First Financial Credit Union Checking Rates

First Financial Credit Union Auto Loan Rates

First Financial Credit Union RV, Boat and Powersport Loan Rates

First Financial Credit Union Credit Card Rates

First Financial Credit Union Personal Loan Rates

First Financial Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Financial Credit Union

Does First Financial Credit Union offer CDs?

Are CDs from First Financial Credit Union NCUA insured?

What is the highest CD rate at First Financial Credit Union?

What CD terms does First Financial Credit Union offer?

What is the highest savings rate at First Financial Credit Union?

What is the highest money market rate at First Financial Credit Union?

What is the highest checking rate at First Financial Credit Union?

What is the lowest auto loan rate at First Financial Credit Union?

What is the lowest personal loan rate at First Financial Credit Union?

What is the lowest credit card APR at First Financial Credit Union?

How many branches does First Financial Credit Union operate?

Is a member application needed to join First Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Financial Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First Financial Credit Union rates compare?

Current First Financial Credit Union Rates

Compare to Other Credit Unions