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.
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
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.
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.
Overall | |
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NCUA # | 24875 |
Year Chartered | 1974 |
Employees | 135 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 1.28% |
Return on Equity - YTD | 18.45% |
Annual Interest Income | $19.2MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q4 2021vs Q4 2020 | $804.3MM$695.8MM |
Loans | Q4 2021vs Q4 2020 | $339.7MM$381.8MM |
Deposits | Q4 2021vs Q4 2020 | $746.3MM$639.3MM |
Equity Capital | Q4 2021vs Q4 2020 | $55.4MM$52.8MM |
Loan Loss Allowance | Q4 2021vs Q4 2020 | $1.8MM$2.3MM |
Unbacked Noncurrent Loans | Q4 2021vs Q4 2020 | $1.1MM$1.4MM |
Real Estate Owned | Q4 2021vs Q4 2020 | $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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.15%* | $25k* | - | Money Market Savings | ||
OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $25k |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.10% | $1k | - | Prime Checking |
APY | MIN | MAX | ACCOUNT NAME | VIEW 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 |
APY | MIN | MAX | ACCOUNT NAME | VIEW 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 |