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A Big Member Mahalo: We Appreciate You!

Together, we have weathered one of the most unprecedented events in our lifetime—a global pandemic which was challenging for everyone. We appreciate your understanding and cooperation with the proactive steps we took to protect the safety, security and financial well-being of you and our staff. We want to express our heartfelt Mahalo (thank you) to all of our members!

For nearly 90 years, we have been giving back to the educational community in a myriad of ways. Today is no different. We are pleased to announce Mahalo Specials. You will have access to extra savings because we are here to help you save more of your hard-earned money. Our Mahalo Specials will change periodically (quarterly) through the end of the year and are just another way we give back to our members. We never take you, or the opportunity to serve you, for granted.


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First Mortgage Savings up to $2,000!

Real estate rates are still among the lowest in generations. Now is the right time to refinance your mortgage before rates go up. There are many reasons to refinance, including:
Jumbo Loans
  • Rates as low as 2.750% APR1
  • Savings up to $2,000 with our No Points, No Fees First Mortgage2
  • Reducing the term of your loan
  • Lowering monthly payments
  • Getting cash out
  • And much more!

Lower Home Equity Loan (HeLoan) Rates

Unlock you home’s value. Put the equity in your home to work for you with this low fixed-rate Home Equity Loan. Benefit from rates as low as 4.00% APR3, a fixed-term and fixed monthly payment.

APR=Annual Percentage Rate.

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.

1
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.

Eligible properties are primary residence single-family homes, Planned Unit Development (PUD) properties and condominiums in California.

2
Waived 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.
3APR=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. A minimum credit qualifying score is required. All loans subject to approval. Rates subject to change without notice. Disclosed APR reflects a 0.25% Relationship Discount for automatic payment from FFCU Checking Account. If you elect not to have automatic payments from FFCU checking account, your rate will be 0.25% higher.

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New Lower Auto Loans Rates through September 30

We are reducing our already low rates so you can get more car for less money. If you’re not ready for a new car, and want to refinance an auto loan from another lender to lower your monthly payment, we can help you! Take advantage of our lower auto loan rates with the same low rate for new and pre-owned vehicles today!
auto loan - special-
  • Rates as low as 2.49%​​ APR1
  • Free auto-buying service that will save you money and time
  • No payment for up to 90 days2
  • 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. Other terms and conditions subject to change without notice. Restrictions apply.

1
APR=Annual Percentage Rate. 2.49%​​ APR is for new and used auto loans up to 72 months. Payment example: 60 monthly payments of $17.75 per $1,000 borrowed at 2.49%​​ APR. In order to receive the rate, automatic payments from your First Financial checking account and 2 qualifying relationships are required. Rates subject to change based on market conditions and borrower eligibility. Other rates and terms available.
2
Loan Department approval required; decision may be affected by your credit history and other criteria. Interest still accrues.

 


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You Could Win $100 During our Mahalo Click-n-Pay Debit Sweepstakes1

You read that right: you could win $100 this month! Simply shop online with your First Financial Visa Debit card. You can quickly, safely and easily use it for:

  • Back-to-school supplies
  • Streaming services
  • Grocery and meal delivery services
  • And whatever else you need

Remember, your purchases are protected with Visa’s “Zero Liability Policy”.2 Plus, transactions are viewable anytime via our Online and Mobile Banking, with the added safety option of activity notifications.




1
Valid purchases only; denied or voided transactions disqualified. First Financial Credit Union (FFCU) employees and volunteers not eligible. Only qualified purchases that occur during sweepstakes period, August 1-31, 2021, will be considered as entries. Winners are randomly selected. FFCU reserves the right to the use of the winners’ names, photographs, likenesses, images and statements at any time for advertising and promotional purposes in any media (print or digital).
2Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify FFCU of any unauthorized use. For specific restrictions, limitations and other details, consult FFCU.
View Mahalo Specials

Visa Debit Card

Congratulations to the winners of last month’s Mahalo Debit Sweepstakes!

Week Shopping Period
Drawing Winner

1

7/1 - 7/11
7/12  Tracey J.
Member since 1999

2

7/12 - 7/18
7/19 Marcia T.
Member since 1982

3

7/19 - 7/25
7/26
Gregory S.
Member since 1986

4

7/26 - 7/31
8/1 No Winner Yet
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Learn more
For more information, contact an eBranch Representative, visit your nearest branch or call us at (800) 537-8491.