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Save with First Financial Yields and Rates

Share Accounts

Effective: 6/28/22
AccountMinimum BalanceRateAPY1
Savings$1000.0​25%0.0​25%
Money Market Savings​$.01 - $2,499.990.​050%0.​050%
 $2,500-$9,9990.​​050%0.​​050%
 $10,000-$24,9990.100%0.100%
 $25,000-$99,9990.150%0.150%
 $100,000+0.150%0.150%
Student Savings$50.0​25%0.0​25%
Flexible Savers$500.0​25%0.0​25%
Summer Savers2$500.0​25%0.0​25%
IRA Savings​3$50.0​25%0.0​25%
SuperSavers4$5000.025%0.025%
 Plus Checking Account0.050%0.050%
 Plus Direct Deposit or Payroll Deduction0.​​​100%0.​​​100%
 & ​1 elective0.​100%0.​100%
 ​& ​2 electives0.​​150%0.​​150%
 ​& 3 electives0.​200%0.​200%
1APY = Annual Percentage Yield. Required interest payouts for certain accounts. Rates may vary after account is opened and are subject to change without notice. A minimum opening deposit is required. Early withdrawal penalties may apply. Earnings may be reduced if fees are incurred. See Truth-in-Savings Agreement for complete details. Regulations prohibit paying dividends in excess of available earning.
2Must mature in July or August 2022
3Includes Roth IRA and Educational IRA accounts
4You must have a First Financial Credit Union (FFCU) Checking Account and either Direct Deposit or Payroll Deduction to be eligible to earn additional dividends from other qualifying FFCU services. You must maintain the average daily balance of $500 to avoid closure of this account and to receive yields. Fees may be charged monthly if balance falls below $500 at any time within a calendar month. Note: Dividend yield will be increased for a maximum of 5 elective products/services, 2 of which must be checking and Direct Deposit/Payroll Deduction; any additional electives will not result in further increases. In addition, the elective products/services must be under the same account number as your Super Savers account. APY paid on average daily balance and on all eligible electives on the last business weekday of the quarter. Qualifying FFCU services include any of the following: mortgages, home equity loans, home equity line of credit, auto, RV and motorcycle loans, and eStatements. Certain other qualifying services will only count as one service each from the following categories, regardless of the number of these services that you have: unsecured personal loans (including lines of credit), credit cards, share certificates (excluding IRA certificates), Money Market Savings accounts, and IRAs. Other restrictions may apply. Regulations prohibit paying dividends in excess of available earnings. The Board of Directors declares rates on a quarterly basis. All rates are correct at time of publication. Rates are subject to change without notice. A minimum opening deposit is required.

Share/IRA/ROTH EDUCATIONAL Certificates

Effective: 6/28/22
TermMinimum Opening DepositAPY1
3 Months$5000.050%
6 Months$5000.150%
12 Months$5000.250%
18 Months$5000.400%
24 Months$5000.500%
3​6 Months$5000.750%
60 Months$5000.900%
1APY=Annual Percentage Yield. Required interest payout for certain accounts. Required interest payouts for certain accounts. Rates may vary after account is opened and are subject to change without notice. A minimum opening deposit is required. Early withdrawal penalties may apply. Earnings may be reduced if fees are incurred.
2Not eligible for internal transfer from another First Financial account.
See Truth-in-Savings Agreement for complete details. Regulations prohibit paying dividends in excess of available earning.

Checking Accounts

Effective: 6/28/22
AccountMinimum BalanceRate/APY1
Prime$1,0000.​100%
1APY=Annual Percentage Yield. Must maintain the minimum daily balance of $1,000 in this Account to avoid a monthly Low Balance Fee as set forth in the Fee Schedule and to earn the disclosed APY.  Required interest payouts for certain accounts. Rates may vary after account is opened and are subject to change without notice. A minimum opening deposit is required. Early withdrawal penalties may apply. Earnings may be reduced if fees are incurred. See Truth-in-Savings Agreement for complete details. Regulations prohibit paying dividends in excess of available earning.

Loan Accounts

Effective: 6/28/22
Loan TypeAPR (as low as)Estimated Payment Per $1,000 Borrowed at 60-month termTerm
(in months)
Product Information
Platinum Visa Credit Card19.90%Benefit from one of the lowest interest rates around.
New/Used Autos22.74%​​$17.85up to 84 monthsUp to 125% financing, including tax & license, with terms up to 84 months. (Total financing based on year of vehicle.)
Motorcyles35.24%$18.98up to 72 monthsIncludes Motor Scooters
Recreational Vehicles45.99%$19.33up to 144 monthsRecreational Vehicles includes: RVs, Fifth-Wheel, Travel Trailer, Truck Camper and Pop-Up Campers
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.
1The rate you will receive depends on your credit history. Please refer to the Credit Card Agreement for complete details.
APR=Annual Percentage Rate.
2APR=Annual Percentage Rate. 2.74%​​ APR is for new and used auto loans up to 84 months. Discounts require automatic payments from your FFCU checking account and qualifying products and/or services. Payment example: 60 monthly payments of $17.85 per $1,000 borrowed at 2.74%​​ APR.
34.99% APR is for new and used Motorcycle Products up to 35 months. Representative example: 35 monthly payments of 30.76 per $1,000 borrowed at 4.99% APR.
45.99% APR is for new and used RV products up to 60 months. Representative example: 60 monthly payments of $19.10 per $1,000 borrowed at 5.99% APR. 

First Mortgage: Refinance

Effective: 6/28/22
Loan Type: RefinanceRateAPR1PointsTermMonthly Principal & Interest PaymentsNote
No Points/No Fees
Fixed-Rate: Conforming (loans up to $647,200)
APR & Payment based on $400,000 loan
6.000%6.081%030 years

Terms 10,15, 20 years also available.
$2,398.20Rates subject to change daily.

Request More Information
Fixed-Rate: High Balance (loans from $647,201 to $970,800)
APR & Payment based on $750,000 loan
6.000%6.047%030 years

15 year also available.
$4,496.63Rates subject to change daily.

Request More Information
Fixed-Rate: Jumbo (loans up to $1,500,000)
APR & Payment based on $975,000 loan
5.375%5.418%030 years

15 year also available
$5,459.72Rates subject to change daily.

Request More Information

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.

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.

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

First Mortgage: Purchase

Effective: 6/28/22
Loan Type: PurchaseInterest RateAPR1PointsTermMonthly Principal & Interest Payments Note
No Points/No Fees
Fixed-Rate First Mortgage: CONFORMING (with loans up to $647,200)
APR & Payment based on $400,000 loan
6.000%6.075%030 years

Terms 10,15, 20 years also available.
$2,398.20Rates subject to change daily.

Request More Information
Fixed-Rate Mortgages: High Balance (loans from $647,201 to $970,800)
APR & Payment based on $750,000 loan
6.000%6.048%030 Years

15yr Terms available
$4,496.63Rates subject to change daily.

Request More Information
Fixed-Rate Mortgages: JUMBO (loans up to $1,500,000)
APR & Payment based on $975,000 loan
5.375%5.416%030 years

15 yr term also available.
$5,459.72Rates subject to change daily.

Request More Information
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. The payments shown include an estimate of the monthly mortgage insurance premium when borrowing more than 80% of the value or purchase price of the property. Both the principal and interest payment and the mortgage insurance premium can vary based on your final loan terms. If an escrow account is required or requested, your actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Other terms and conditions subject to change without notice. Call for complete details.

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.

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

Home Equity Line of Credit

Effective: 6/28/22
12-month Introductory Special (Fixed-APR)1Min Variable-APR after introductory periodMax Variable-APR after introductory periodPrime IndexMarginPeriodic Rate CapsLoan AmountMaximum Combined Loan to Value (CLTV)
2.99%5.50%15.50%The Wall Street Journal Prime Rate0.75% - 2.75%0.50% Quarterly$25,000 to $250,00080%
All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on creditworthiness, credit score, collateral criteria, a maximum combined loan-to-value (CLTV) of 80%, and are subject to change without notice. Other restrictions may apply. An approved application is required for APR to be determined. The APR is a variable rate. Your APR and payment are subject to change after the introductory 12-month period. All loans are subject to approval. Owner occupied residences only. Adequate homeowner’s insurance coverage is required. Eligible properties are primary residence single-family homes and Planned Unit Development (PUD) properties and condominiums. The borrower is required to wait until the loan funds are received to begin work on the property. A property with construction already in progress may not be eligible. Properties currently listed for sale are not eligible. This promotion is only available for new credit lines (current FFCU HELOCs are not eligible for the 2.99% promotional rate). Call for complete details. Rates and terms are subject to change without notice.

1APR=Annual Percentage Rate. Actual APR after the introductory period depends on your credit qualifications and whether you elect to make automatic payments from an FFCU Checking account. If automatic payments from a FFCU checking account are declined, your APR will be higher by 0.25%. Your initial APR after the introductory period could range from 5.50% to 15.50% (based upon the current Index) depending on your creditworthiness and whether you elect automatic payments, and may change on the first APR adjustment date. The introductory discounted 2.99% APR is fixed at funding for the first 12 months (365 days). After the introductory period, your APR converts to the then-current Prime Rate (the “Index”) plus your Margin and is variable and subject to change on the first day of each calendar quarter based on changes in the Wall Street Journal Prime Rate. Based on the current Index and a Margin between 0.75% - 2.75% (your Margin could be different), the APR that would apply after the introductory period until the first APR adjustment date under the plan would be 5.50%. Your margin depends on your credit qualifications and whether or not you elect to make automatic payments from an FFCU Checking account. Maximum APR 15.50%.

Home Equity Loans (Fixed-Rate)

Effective: 6/28/22
TermLoan LimitsMaximum Combined Loan to Value (CLTV)APR
$25,000-$99,999
Estimated Payment per $1,000 BorrowedAPR
$100,000+
Estimated Payment per $1,000 Borrowed
10-15 Year$25,000 - $250,00089%6.500%$8.716.000%$8.44
20 Year$25,000 - $250,00089%7.125%$7.836.625%$7.53
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.

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. 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.

Eligible properties
are primary residence single-family homes, Planned Unit Development (PUD) properties and condominiums.
Payments: Sample payments don't include amounts for taxes and insurance premiums.