First Financial Credit Union

Overview / Commentary
650 Sierra Madre Villa Ave Ste 300
Pasadena, CA 91107

First Financial Credit Union is headquartered in Pasadena and is the 75th largest credit union in the state of California. It is also the 543rd largest credit union in the nation. It was established in 1974 and as of September of 2023, it had grown to 133 employees and 35,057 members at 8 locations. First Financial Credit Union's CD rates are 3X the national average, and it has a C+ 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 - YTD-0.09%
Return on Equity - YTD0%
Annual Interest Income$22.4MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$773.7MM$756.9MM
LoansQ3 2023vs Q3 2022$405.6MM$369.6MM
DepositsQ3 2023vs Q3 2022$719MM$750.9MM
Equity CapitalQ3 2023vs Q3 2022($3,375,000)$3.9MM
Loan Loss AllowanceQ3 2023vs Q3 2022$3MM$1.8MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$2.8MM$1.1MM
Real Estate OwnedQ3 2023vs Q3 2022$0$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

0.25%$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%$5-Student Savings
0.05%$50-Flexible Savers
0.05%$500-Super Savers With no electives
0.05%$5-IRA Savings

First Financial Credit Union Money Market Rates

0.55%*$100k*-Money Market Savings
OTHER TIERS: 0.10% Up to $2.5k | 0.40% $2.5k - $10k | 0.45% $10k - $25k | 0.50% $25k - $100k

First Financial Credit Union Checking Account Rates

0.10%$1k-Prime Checking

First Financial Credit Union CD Rates

5.20%$500-18 Month w/4 Relationship Product
4.95%$500-18 Month w/3 Relationship Product
4.70%$500-12 Month w/4 Relationship Product
4.70%$500-18 Month w/2 Relationship Product
4.45%$500-12 Month w/3 Relationship Product
4.45%$500-18 Month w/1 Relationship Product
4.25%*$10k*-12 Month CD Special w/activate checking
OTHER TIERS: 4.20% $5k - $10k
4.25%*$10k*-18 Month CD Special w/activate checking
OTHER TIERS: 4.20% $5k - $10k
4.20%$500-6 Month w/4 Relationship Product
4.20%$500-12 Month w/2 Relationship Product
4.20%--18 Month Relationship CD
3.95%$500-6 Month w/3 Relationship Product
3.95%$500-12 Month w/1 Relationship Product
3.75%$500-60 Month CD
3.75%$500-24 Month CD
3.75%$500-36 Month CD
3.75%$500-24 Month CD - Monthly
3.75%$500-36 Month CD - Monthly
3.75%$500-60 Month CD - Monthly
3.70%$500-6 Month w/2 Relationship Product
3.70%--12 Month Relationship CD
3.50%$500-18 Month CD
3.50%$500-18 Month CD - Monthly
3.45%$500-6 Month w/1 Relationship Product
3.20%--6 Month Relationship CD
3.00%$500-12 Month CD
3.00%$500-12 Month CD - Monthly
2.75%$500-3 Month CD
2.75%$500-6 Month CD
2.75%$500-3 Month CD - Monthly
2.75%$500-6 Month CD - Monthly

First Financial Credit Union IRA Rates

3.75%$500-60 Month IRA
3.75%$500-36 Month IRA
3.75%$500-24 Month IRA
3.75%$500-24 Month IRA - Monthly
3.75%$500-36 Month IRA - Monthly
3.75%$500-60 Month IRA - Monthly
3.50%$500-18 Month IRA
3.50%$500-18 Month IRA - Monthly
3.00%$500-12 Month IRA
3.00%$500-12 Month IRA - Monthly
2.75%$500-3 Month IRA
2.75%$500-6 Month IRA
2.75%$500-3 Month IRA - Monthly
2.75%$500-6 Month IRA - Monthly

First Financial Credit Union Locations
Branch Office2530 E Workman AveWest Covina, CA 91791-1534
Branch Office8750 Central AveMontclair, CA 91763-5100
Branch Office5115 Wilshire Blvd STE FLos Angeles, CA 90036-4366
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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