First Financial Credit Union

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

First Financial Credit Union is headquartered in West Covina and is the 73rd largest credit union in the state of California. It is also the 513th largest credit union in the nation. It was established in 1974 and as of December of 2020, it had grown to 143 employees and 34,667 members at 3 locations. First Financial Credit Union has an A health rating.

Field of Membership Restrictions

Membership in First Financial Credit Union is open to active and retired members of the California Teachers Association (CTA) and its subsidiaries, as well as employees of CTA; members of six California education associations; and (2) employees of Spectrum Communications, Three Valleys Municipal Water District, and over 70 area Select Employer Groups (a full list is posted on the credit union's website). Family and household members of the credit union are also eligible.
See current membership details

Reviews (2)

First Financial satisfied customer

Posted by: |

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.


Health Grade Components

NCUA #24875
Year Chartered1974
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD8.53%
Annual Interest Income$22.0MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$695.8MM$604.4MM
LoansQ4 2020vs Q4 2019$381.8MM$456.3MM
DepositsQ4 2020vs Q4 2019$639.3MM$552.6MM
Equity CapitalQ4 2020vs Q4 2019$52.8MM$48.2MM
Loan Loss AllowanceQ4 2020vs Q4 2019$2.3MM$2.4MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$1.4MM$2.8MM
Real Estate OwnedQ4 2020vs Q4 2019$0$175.00K
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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

0.20%$500-Super Savers With 3 electives
0.15%$500-Super Savers With 2 electives
0.10%$500-Super Savers With 1 elective
0.10%$500-Super Saver Plus Direct Deposit or Payroll Deduction
0.05%$500-Super Saver Plus Checking Account
0.03%$5-Student Savings
0.03%$50-Flexible Savers
0.03%$50-Summer Savers
0.03%$500-Super Savers With no electives
0.03%$5-IRA Savings

First Financial Credit Union Money Market Rates

0.15%*$25k*-Money Market Savings
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k

First Financial Credit Union Checking Account Rates

0.10%$1k-Prime Checking

First Financial Credit Union CD Rates

1.00%$500-60 Month Regular CD
0.85%$500-36 Month Regular CD
0.60%$500-24 Month Regular CD
0.50%$500-18 Month Regular CD
0.30%$500-12 Month Regular CD
0.15%$500-6 Month Regular CD
0.05%$500-3 Month Regular CD

First Financial Credit Union IRA Rates

1.00%$500-60 Month Regular IRA
0.85%$500-36 Month Regular IRA
0.60%$500-24 Month Regular IRA
0.50%$500-18 Month Regular IRA
0.30%$500-12 Month Regular IRA
0.15%$500-6 Month Regular IRA
0.05%$500-3 Month Regular IRA

First Financial Credit Union Locations
Branch Office5570 Lake Murray BlvdLa Mesa, CA 91942
Corporate Office1616 W Cameron AveWest Covina, CA 91790-2714
Corporate Office1600 W Cameron AveWest Covina, CA 91790-2714

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