Overview / Commentary
626-814-4611
1600 W Cameron Ave
West Covina, CA 91790

First Financial Credit Union is headquartered in West Covina and is the 72nd largest credit union in the state of California. It is also the 466th largest credit union in the nation. It was established in 1974 and as of June of 2018, it had grown to 158 employees and 32,154 members. First Financial Credit Union's CD rates are 2X the national average, and it 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.
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Reviews (2)

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.



Health

Health Grade Components

Overall
NCUA #24875
Year Chartered1974
Employees158
Primary Regulator
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD10.38%
Annual Interest Income$12.4MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$617.1MM$574.6MM
LoansQ2 2018vs Q2 2017$469.3MM$428.1MM
DepositsQ2 2018vs Q2 2017$569.4MM$529.8MM
Equity CapitalQ2 2018vs Q2 2017$44.6MM$42.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.9MM$1.9MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.0MM$1.5MM
Real Estate OwnedQ2 2018vs Q2 2017$0$267.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not First Financial Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$500-Super Savers With 3 electives
0.40%$500-Super Savers With 2 electives
0.30%$500-Super Savers With 1 elective
0.25%$500-Super Saver Plus Direct Deposit or Payroll Deduction
0.15%$500-Super Saver Plus Checking Account
0.10%$500-Super Savers With no electives
0.03%$100-Savings Account
0.03%$5-Student Savings
0.03%$50-Flexible Savers
0.03%$50-Summer Savers
0.03%$5-IRA Savings

First Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$25k*-Money Market
OTHER TIERS: 0.10% Up to $2.5k | 0.20% $2.5k - $10k | 0.25% $10k - $25k

First Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$1k-Prime Checking

First Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$500-60 Month Regular CD
2.50%$500-36 Month Regular CD
2.25%$500-24 Month Regular CD
2.00%$500-12 Month Regular CD
1.75%$500-18 Month Regular CD
1.50%$500-6 Month Regular CD
0.75%$500-3 Month Regular CD

First Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$500-60 Month Roth IRA
3.00%$500-60 Month Regular IRA
2.50%$500-36 Month Regular IRA
2.50%$500-36 Month IRA
2.25%$500-24 Month Regular IRA
2.00%$500-12 Month Regular IRA
1.75%$500-18 Month Regular IRA
1.50%$500-6 Month Regular IRA
0.75%$500-3 Month Regular IRA
Locations

Sorry, but we do not have location data for First Financial Credit Union. Its headquarters is located at 1600 W Cameron Ave - West Covina, CA 91790

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