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First Financial Credit Union


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

First Financial Credit Union is headquartered in Pasadena and is the 69th largest credit union in the state of California. It is also the 501st largest credit union in the nation. It was established in 1974 and as of December of 2021, it had grown to 135 employees and 34,608 members at 12 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

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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.

1

Beware Of This Credit Union

Posted by: |

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.

3


Health
A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #24875
Year Chartered1974
Employees135
Primary Regulator
Profit Margin
Return on Assets - YTD1.28%
Return on Equity - YTD18.45%
Annual Interest Income$19.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$804.3MM$695.8MM
LoansQ4 2021vs Q4 2020$339.7MM$381.8MM
DepositsQ4 2021vs Q4 2020$746.3MM$639.3MM
Equity CapitalQ4 2021vs Q4 2020$55.4MM$52.8MM
Loan Loss AllowanceQ4 2021vs Q4 2020$1.8MM$2.3MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1.1MM$1.4MM
Real Estate OwnedQ4 2021vs Q4 2020$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
0.20%$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%$100-Savings
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

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

First Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-Prime Checking

First Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$500-60 Month CD
0.75%$500-36 Month CD
0.50%$500-24 Month CD
0.40%$500-18 Month CD
0.25%$500-12 Month CD
0.15%$500-6 Month CD
0.05%$500-3 Month CD

First Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$500-60 Month IRA
0.75%$500-36 Month IRA
0.50%$500-24 Month IRA
0.40%$500-18 Month IRA
0.25%$500-12 Month IRA
0.15%$500-6 Month IRA
0.05%$500-3 Month IRA
Locations

Availability



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