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First Financial Credit Union (NM)

Popular Accounts at this Credit Union

2.05%Reward CheckingKasasa Cash
1.51%5-year CD60 Month Certificate
0.70%1-year CD12 Month Certificate

Overview / Commentary
601 Tijeras Ave NW
Albuquerque, NM 87102-3198

First Financial Credit Union (NM) is headquartered in Albuquerque and is the 7th largest credit union in the state of New Mexico. It is also the 518th largest credit union in the nation. It was established in 1937 and as of September of 2017, it had grown to 217 employees and 73,688 members at 14 locations. First Financial Credit Union (NM)'s savings rates are 15% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

First Financial Credit Union of New Mexico is open to any resident or person that works throughout the state.
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Reviews (2)

The Best Credit Union I have Ever Used

Going to this credit union was always a pleasure for me. Their savings accounts require a minimum amount of money that has to stay in the savings account or you get a fee against you. As long as you keep enough money in your savings account, you should have protection (depending on account status) that allows you to be safe from withdrawing too much money like if you spend too much in the grocery store and there isn't enough money in your checking account then the rest of the money will come out of the savings account. That is probably standard elsewhere, but it makes me feel safer if that ever happens to me. The credit union doesn't require you to keep a certain amount of money in your checking account, but depending on how much you spend and how you spend it there are different types of bonuses you can get. A major bonus from keeping money flowing into your account is the interest that builds monthly. I also appreciate that the credit union protects you fully when your card is used outside of where you normally use it. If they see charges that are out of state they will immediately call you and stop your account from getting money taken out of it. Another plus of going to this credit union is the free life insurance they give you. You have the option of having more life insurance which is paid directly out of your checking out. The final thing I enjoy is the IRA options that are given to users. You are allowed to deposit up to $5000 into your IRA, which can possibly be considered a tax deductible depending on how it is handled. All in all First Financial is really great when it comes to their IRAs, checking accounts, and savings accounts.

So-so bank beats big bank

Although this bank is not the very best, it is leaps and bounds beyond my previous big bank. Any problems that I have with my accounts are solved within minutes to hours vs days and weeks with a big bank. However, despite these quick resolutions, problems are quite numerous at this bank. For example, I am frequently questioned by the tellers as to whether or not I have deposited my payroll checks at their bank before. These large amounts always prompt the tellers to enter this routine questioning despite having me as a customer there for several years. I thought one of the benefits of joining a small credit union was more personalized service! Another concern I have with this bank is their backlog and investigation process. Several times I have requested statements from several months ago, or requested specific deposit amounts (e.g., how many checks made up this $2000 deposit and in which amounts?) and they always tell me they will look into. Of course, I never received a call back on these occasions. This bank has their problems but I still would never go back to a big bank!


Health Grade Components

NCUA #68244
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD4.49%
Annual Interest Income$14.8MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$516.7MM$515.2MM
LoansQ3 2017vs Q3 2016$413.9MM$392.6MM
DepositsQ3 2017vs Q3 2016$469.2MM$471.0MM
Equity CapitalQ3 2017vs Q3 2016$41.0MM$39.5MM
Loan Loss AllowanceQ3 2017vs Q3 2016$3.9MM$3.4MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$4.6MM$6.6MM
Real Estate OwnedQ3 2017vs Q3 2016$297.00K$337.00K
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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 (NM) Savings Account Rates

0.60%--IDA Savings Account
0.40%--Christmas Club Account
0.40%--Vacation Club Account
0.35%--IRA Savings Account
0.25%--Primary Savings Account
0.25%--Kirby Kids Savings Account
0.10%--Secondary Savings Account
0.10%--Special Savings Account

First Financial Credit Union (NM) Money Market Rates

0.40%*$100k*-Money Market Account
OTHER TIERS: 0.25% $25 - $25k | 0.35% $25k - $100k

First Financial Credit Union (NM) Checking Account Rates

2.05%*-$7,500Kasasa Cash
OTHER TIERS: 0.42% $7,500+

First Financial Credit Union (NM) CD Rates

1.61%$25k-60 Month Jumbo Certificate
1.51%$1k-60 Month Certificate
1.51%$250-60 Month 1st CD
1.51%$500-60 Month Kirby Kid CD
1.41%$25k-36 Month Jumbo Certificate
1.41%$25k-48 Month Jumbo Certificate
1.31%$1k-36 Month Certificate
1.31%$1k-48 Month Certificate
1.31%$250-36 Month 1st CD
1.31%$250-48 Month 1st CD
1.31%$500-36 Month Kirby Kid CD
1.31%$500-48 Month Kirby Kid CD
1.26%$25k-24 Month Jumbo Certificate
1.26%$25k-30 Month Jumbo Certificate
1.16%$1k-24 Month Certificate
1.16%$1k-30 Month Certificate
1.16%$250-24 Month 1st CD
1.16%$250-30 Month 1st CD
1.16%$500-24 Month Kirby Kid CD
1.16%$500-30 Month Kirby Kid CD
1.11%$25k-18 Month Jumbo Certificate
1.00%$1k-18 Month Certificate
1.00%$250-18 Month 1st CD
1.00%$500-18 Month Kirby Kid CD
0.80%$25k-12 Month Jumbo Certificate
0.70%$1k-12 Month Certificate
0.70%$250-12 Month 1st CD
0.70%$500-12 Month Kirby Kid CD
0.65%$25k-6 Month Jumbo Certificate
0.55%$1k-6 Month Certificate
0.55%$250-6 Month 1st CD
0.55%$500-6 Month Kirby Kid CD
0.35%$25k-3 Month Jumbo Certificate
0.25%$1k-3 Month Certificate
0.25%$250-3 Month 1st CD
0.25%$500-3 Month Kirby Kid CD

First Financial Credit Union (NM) IRA Rates

1.61%*$25k*-60 Month IRA Certificate
OTHER TIERS: 1.51% $500 - $25k
1.41%*$25k*-36 Month IRA Certificate
OTHER TIERS: 1.31% $500 - $25k
1.41%*$25k*-48 Month IRA Certificate
OTHER TIERS: 1.31% $500 - $25k
1.26%*$25k*-24 Month IRA Certificate
OTHER TIERS: 1.16% $500 - $25k
1.26%*$25k*-30 Month IRA Certificate
OTHER TIERS: 1.16% $500 - $25k
1.11%*$25k*-18 Month IRA Certificate
OTHER TIERS: 1.00% $500 - $25k
0.80%*$25k*-12 Month IRA Certificate
OTHER TIERS: 0.70% $500 - $25k
0.65%*$25k*-6 Month IRA Certificate
OTHER TIERS: 0.55% $500 - $25k
0.35%*$25k*-3 Month IRA Certificate
OTHER TIERS: 0.25% $500 - $25k