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First Financial Credit Union

Popular Accounts at this Credit Union

1.75%5-year CD60 Month Regular CD
0.75%1-year CD12 Month Regular CD
0.03%SavingsSummer Savers

Overview / Commentary
1600 W Cameron Ave
West Covina, CA 91790

First Financial Credit Union is headquartered in West Covina and is the 78th largest credit union in the state of California. It is also the 532nd largest credit union in the nation. It was established in 1974 and as of December of 2015, it had grown to 137 employees and 31,167 members at 11 locations. First Financial Credit Union has an A health rating.

Field of Membership Restrictions

First Financial Credit Union of California is open to the current and retired educational affiliated employees or members of the organizations, groups, schools and institutions that are listed on the credit union website as well as the employees of the partner companies or select employer groups that are listed on the credit union website
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Reviews (3)

First Financial satisfied customer

Posted by: Tobin | Aug 7, 2015

Although my local physical branch closed down and the remaining branches are inconveniently located, this credit union shares access with tons of other credit unions' ATM's, so that hasn't been a problem. And since I do most of my banking online, and their system is adequate, I haven't needed a physical branch anyway. If I have any issues, I can always contact customer service by phone and they take care of everything. I recently took out an auto loan and the process was simple and easy over the phone and through email. I've always had helpful and cheerful experiences with customer service. I've had terrible experiences with several of the major banks in the past, which is why I switched to First Financial Credit Union in the first place. I've been a satisfied customer ever since.

Beware Of This Credit Union

Poorly run, poorly managed, extremely high turn over in staff and management. Expenses and overhead are out of control. Very difficult to get a loan approved and funded. Getting a simple task done from the call center is a ordeal mainly due to management and staff unprepared and unable to perform the tasks. They staff lacks training and tenure with the company to handle the most remedial function. Beware, do not open an account or take a loan out with this poorly managed credit union. You will regret it.

Service And Loans

Posted by: Anonymous | Jan 11, 2012


This credit union has poor customer service and the loans are very difficult to acquire. The credit union staff has a very high turn over. They could have someone who is knowledgeable one week and that person would be gone. The management in the call center are not helpful at all and I have experienced were the management would leave the representative to deal with the customer instead of helping the customer.

The loan process is ridiculous also, I attempted to acquire a collateral loan with my vehicle that is worth $8K and I was only asking for $2500.00, but was turned down. The branch staff is no better, again the turn over rate is ridiculous, and the upper management does not seem to care.


Health Grade Components

NCUA #68404
Year Chartered1974
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD4.86%
Annual Interest Income$19.4MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$446.2MM$425.8MM
LoansQ4 2015vs Q4 2014$385.2MM$322.6MM
DepositsQ4 2015vs Q4 2014$404.3MM$383.7MM
Equity CapitalQ4 2015vs Q4 2014$38.4MM$37.2MM
Loan Loss AllowanceQ4 2015vs Q4 2014$2.1MM$2.3MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$1.5MM$2.2MM
Real Estate OwnedQ4 2015vs Q4 2014$350.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Financial Credit Union Savings Account Rates

0.50%$500-Super Savers With 3 electives
0.30%$500-Super Savers With 2 electives
0.20%$500-Super Savers With 1 elective
0.15%$500-Super Saver Plus Direct Deposit or Payroll Deduction
0.10%$500-Super Saver Plus Checking Account
0.05%$500-Super Savers With no electives
0.03%$100-Savings Account
0.03%--Student Savings
0.03%$50-Flexible Savers
0.03%$50-Summer Savers
0.03%--IRA Savings

First Financial Credit Union Money Market Rates

0.03%$2,500-Money Market

First Financial Credit Union Checking Account Rates

0.03%$1k-Prime Checking

First Financial Credit Union CD Rates

1.75%$500-60 Month Regular CD
1.50%$500-30 Month Regular CD
1.25%$500-18 Month Regular CD
0.75%$500-12 Month Regular CD
0.45%$500-6 Month Regular CD
0.30%$500-3 Month Regular CD

First Financial Credit Union IRA Rates

1.75%$2k-60 Month Roth IRA
1.75%$500-60 Month Regular IRA
1.50%$2k-36 Month IRA
1.50%$500-30 Month Regular IRA
1.25%$500-18 Month Regular IRA
0.75%$500-12 Month Regular IRA
0.45%$500-6 Month Regular IRA
0.30%$500-3 Month Regular IRA

First Financial Credit Union has 11 locations. Click to view all First Financial Credit Union locations.