First Financial Credit Union


Overview / Commentary
626-814-4611
650 Sierra Madre Villa Ave Ste 300
Pasadena, CA 91107

First Financial Credit Union is headquartered in Pasadena and is the 78th largest credit union in the state of California. It is also the 561st largest credit union in the nation. It was established in 1974 and as of March of 2024, it had grown to 128 employees and 34,968 members at 7 locations. First Financial Credit Union's CD rates are 4X the national average, but it has a D 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

Related Posts

6% 8Mo CD For New Customers 5K Limit - 4/30/2024

Not really worth it unless you were thinking of joining anyway, but for new members to the CU First Financial is offering an 8mo CD at 6% with... I believe it was a 5k max. Sorry don't have the details in front of me anymore but if you're interested you can contact them. With the low cap, probably not worth it though, unless you were thinking of becoming a member anyway. NOTE TO DA STAFF (if the lights are still on and anyone's still around): I could NOT at first find this FI in DA's search because DA still has it wrongly as "First Financial Credit Union" instead of "First Financial FEDERAL Credit Union." I believe there are other unrelated First Financial Federal CUs with the same name in different parts of the country (this is for the one based in California), but it's FEDERAL CU.. Please fix, if anyone's still around at DA, thanks. If there's any question about this, just go to their website for verification: https://www.firstfinancial.org/[/

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

Health Grade Components

Overall
NCUA #24875
Year Chartered1974
Employees128
Primary Regulator
Profit Margin
Return on Assets - YTD-0.13%
Return on Equity - YTD-44.93%
Annual Interest Income$8.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$755MM$811.9MM
LoansQ1 2024vs Q1 2023$409.1MM$388.1MM
DepositsQ1 2024vs Q1 2023$698MM$741.1MM
Equity CapitalQ1 2024vs Q1 2023$2.3MM$8.8MM
Loan Loss AllowanceQ1 2024vs Q1 2023$2.8MM$3.1MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$2.6MM$1.4MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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
0.25%$500-Super Savers With 3 electives
0.20%$500-Super Savers With 2 electives
0.15%$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%$100-Savings
0.05%$5-Student Savings
0.05%$50-Flexible Savers
0.05%$0-Summer Savers
0.05%$500-Super Savers With no electives
0.05%$5-IRA Savings

First Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$100k*-Money Market Savings
OTHER TIERS: 0.10% $0 - $2.5k | 0.40% $2.5k - $10k | 0.45% $10k - $25k | 0.50% $25k - $100k

First Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-Prime Checking

First Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$500-6 Month w/4 Relationship Product
4.60%$500-12 Month w/4 Relationship Product
4.55%$500-6 Month w/3 Relationship Product
4.50%*$10k*-12 Month CD Special w/activate checking
OTHER TIERS: 4.45% $5k - $10k
4.50%$500-12 Month w/3 Relationship Product
4.35%$500-6 Month w/2 Relationship Product
4.35%$500-12 Month w/2 Relationship Product
4.30%$500-18 Month w/4 Relationship Product
4.25%*$10k*-18 Month CD Special w/activate checking
OTHER TIERS: 4.20% $5k - $10k
4.20%$500-12 Month w/1 Relationship Product
4.20%$500-18 Month w/3 Relationship Product
4.15%$500-6 Month w/1 Relationship Product
4.05%$500-18 Month w/2 Relationship Product
4.05%$0-12 Month Relationship CD
4.00%$500-6 Month CD
4.00%$500-6 Month CD - Monthly
4.00%$0-6 Month Relationship CD
3.95%$500-12 Month CD
3.95%$500-60 Month CD
3.95%$500-12 Month CD - Monthly
3.95%$500-60 Month CD - Monthly
3.90%$500-18 Month w/1 Relationship Product
3.75%$500-18 Month CD
3.75%$500-24 Month CD
3.75%$500-36 Month CD
3.75%$500-18 Month CD - Monthly
3.75%$500-24 Month CD - Monthly
3.75%$500-36 Month CD - Monthly
3.75%$0-18 Month Relationship CD
3.50%$500-3 Month CD
3.50%$500-3 Month CD - Monthly

First Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-6 Month IRA
4.00%$500-6 Month IRA - Monthly
3.95%$500-12 Month IRA
3.95%$500-60 Month IRA
3.95%$500-12 Month IRA - Monthly
3.95%$500-60 Month IRA - Monthly
3.75%$500-18 Month IRA
3.75%$500-36 Month IRA
3.75%$500-24 Month IRA
3.75%$500-18 Month IRA - Monthly
3.75%$500-24 Month IRA - Monthly
3.75%$500-36 Month IRA - Monthly
3.50%$500-3 Month IRA
3.50%$500-3 Month IRA - Monthly
Locations


First Financial Credit Union Locations
Branch Office2530 E Workman AveWest Covina, CA 91791-1534
Branch Office8750 Central AveMontclair, CA 91763-5100
Branch Office4018 Hardwick STLakewood, CA 90712-2349
Branch Office10080 Alabama ST STE ARedlands, CA 92374-2072
Branch Office19600 Plummer St Ste 400Northridge, CA 91324-2155
Branch Office250 S Lake AvePasadena, CA 91101-3002
Corporate Office650 Sierra Madre Villa Ave Ste 300Pasadena, CA 91107-2073

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