Our Story

Vision Statement

First Financial Credit Union will be the educational credit union that best helps members achieve their financial dreams and will be a diverse, equitable, inclusive and rewarding place of employment.

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Gratitude for All You Do to Uplift, Guide and Inspire

We salute our members that work tirelessly in the educational field--teachers, administrators, counselors, librarians, nurses and so much more. While you dedicate yourselves elevating our nation’s future, we dedicate ourselves to your financial success.

Your Financial Partner for Life for Over 90 Years

In the midst of the Great Depression in 1933, we were started by educators seeking a financial institution dedicated to their then under-served colleagues. We continue that same passionate mission of helping educational community members like you.

Exhibiting our Loyalty to the Educational Community Year 'Round

We proudly shows our dedication to the California educational community with:

• Volunteering at schools and educational associations
• School and educational association partnerships
• Fundraisers, charity events and sponsorships
• And more

As your financial partner for life, we offer personalized, convenience-based products and services:

• Auto Loans that Drive an Easy Bargain – rates as low as 6.24%​​ APR¹ (same for new and pre-owned)
• Member-Exclusive Auto Shopping – we will do the searching and negotiating for you based on your needs and budget, all for free
• Easy-Breezy, Free Checking – no minimum balance and no direct deposit requirements
• Low, Fixed-Rate for Life Platinum Visa – rates as low as 10.90% APR², no foreign transaction and no balance transfer fees³
• Home Loans for Every Need – whether you’re shopping for a new place, want to refinance or pay big expenses using your home’s equity
• Fully-Loaded New Teacher Package – exclusively for those starting their careers in the classroom, new teachers benefit from free checking and a pre-approval for our best auto and Platinum Visa rates⁴
• Free Online and Mobile Banking – bank with us at home, at school and on-the-go
• And much more!

All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Other terms and conditions subject to change without notice. Restrictions apply.
¹APR=Annual Percentage Rate. 6.24%​​ APR is for new and used auto loans up to 60 months. Member-only discounts require automatic payments from your FFCU checking account and qualifying products and/or services. Example: A $20,000 new or pre-owned auto loan at a fixed rate of 6.24%​​ APR for 60 months would require 60 monthly payments of $17.97 per $1,000 borrowed.
²The rate you receive depends on your credit history.
³Free balance transfers when completing a Platinum Visa Card Balance Transfer form through Online Banking (under “Card eServices”). Free balance transfers may also be used with convenience checks to pay other lenders only—otherwise you will incur a cash advance fee. Balance transfers are not valid for First Financial loans.
⁴A new teacher is defined as a full-time California teacher with 3 years or less of teaching experience. To take advantage of the New Teacher Package, a checking account and a Visa must be established at account opening. Additionally, all of the online banking services (including eStatements and Bill Pay) must be established at the same time. The auto loan offer expires within 90 days of membership open date. Auto loan requires automatic payments an FFCU checking account. Extended loan terms are available at a higher loan rate. Call for complete information.