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Become a Member of First Financial Today!'

Celebrating Over 85 Years of Serving Educational Community Members Like You

First Financial is committed to helping the California educational community and their family members reach their financial goals, and has been doing so with pride for over 85 years. Save smart and borrow smarter with these exclusives especially for you:
Our heartfelt dedication to the educational community has been going strong for over 85 years. Discover the First Financial difference with these educator-focused products:

- SAMPLE ONLY -
No Points, No Fees Program
Fixed - Rate: CONFORMING (loans up to $548,250)
APR & Payment based on $400,000 loan

Product
Term
Interest rates
as low as

 APR1
as low as

Monthly Payment
Principle and Interest Only

 Refinance 30-Year
 2.875% 2.942%   $1,659.57
Jumbo Loans
  • No points no fees—Enjoy Savings of over $1,7002
  • Very competitive rates—historically low rates so speak with a Real Estate expert for the daily rate.
  • Expert guidance throughout the entire process
  • And 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. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. A minimum credit qualifying score is required. Payment examples do not include the cost of property taxes or insurance, so the actual payment obligation will be greater. Other terms and conditions subject to change without notice. Call for complete details.

Eligible properties are primary residence single-family homes and condominiums. Maximum Loan-to-Value limits apply, Private Mortgage Insurance (PMI) is required for Loan-to-Value above 80%.

APRs include an estimate of 30 days of prepaid interest, other loan related costs and/or discount points. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. For example, loans with LTVs in excess of 80% typically require mortgage insurance which will increase both your APR and monthly payment. All loans subject to approval.

1APR=Annual Percentage Rate. The rate you may qualify for is based on factors including your credit rating and the combined loan-to-value (CLTV) of your property. Rates above reflect a 60% loan-to-value, a credit score of 740 or higher and a 0.25% relationship discount for automatic payments from a FFCU Checking Account. A minimum credit qualifying score is required. All loans subject to approval. Rates subject to change without notice. Call for complete details.

2Waived settlement fees: appraisal; recording; flood certificate; credit report; loan documents; escrow and sub-escrow; title lender policy and tie-in; messenger; wire; tax service, notary; termite inspection. The maximum waived settlement costs will not exceed $10,000. Fees not waived: pre-paid costs such as interest; taxes; mortgage insurance premiums; HOA (Home Owners Association) dues; hazard or flood insurance; owner’s title insurance; transfer taxes; impound accounts, and outside third-party fees, such as HOA certification/questionnaire and subordination fees. Discount points to buy-down rate are not allowed. If the loan is paid off within 36 months, borrower(s) must reimburse FFCU for all waived settlement costs. The waived settlement costs will be added to the account balance, included on the loan payoff demand statement, and must be paid prior to a reconveyance of the Deed of Trust. Call for complete details.

Robust Returns with a School Employee Flex Share Certificate (CD)

Share Certificates (CD)
  • Locked-in rate of 3.75% APY1
  • 12-month term
  • Minimum opening deposit of $50

Competitive Auto Loan Rates and Complimentary Auto Buying

Special auto loans
  • Save 0.25% APR2 off our auto loan rates
  • Payment deferment for up to the first 90 days3
  • We'll also shop for you and save you $2,600 on average off purchase price4
  • Refinancing options also available
"Thank you for your incredible support in 2017. You are making a difference in our community by feeding children, seniors, working families and other individuals, who without your generosity, would go hungry."
Los Angeles Regional Food Bank

To learn more, please get in touch with:

Therese CC

Therese El Khoury,
Community Relationships Director
Office: (800) 537-8491, ext. 3123
Mobile:  (626) 315-7716
Emailtelkhoury@ffcu.org

Available to School Partnership/Association Partnership Agreement members and who are First Financial Credit Union (FFCU) members. All loans are subject to credit approval and to all FFCU policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. The rate you receive depends on your credit history. Interest rate cannot fall below floor rate inclusive of all discounts. Other terms and conditions are subject to change without notice. Restrictions apply.

1APY=Annual Percentage Yield. Restrictions apply, including only one School Employee Flex Share Certificate (CD) per member and/or per household. Fixed term of 12-months from date of opening. A minimum opening deposit is required. Dividends are paid only at maturity and will automatically transfer to member’s FFCU savings or checking account.
2APR=Annual Percentage Rate.
3Loan Department approval required; decision may be affected by your credit history and other criteria. Interest still accrues.
4Savings may vary based on make, model, extras and other variables.