Skip to Main Content Skip to Sitemap
librarian image
 Let me assist you. Enter keyword to get started.

For Real Estate Rates, click the button below:

Check Rates

Save with First Financial Yields and Rates

Share Accounts

Effective: 7/​​1/18
AccountMinimum BalanceRateAPY1
Savings$1000.0​25%0.0​25%
Money Market Savings​$.01 - $2,499.990.​100%0.​100%
 $2,500-$9,9990.​​200%0.​​200%
 $10,000-$24,9990.​​2​50%0.​​2​50%
 $25,000-$99,9990.​​350%0.​​350%
 $100,000+0.​3​50%0.​3​50%
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$5000.100%0.100%
 Plus Checking Account0.1​50%0.1​50%
 Plus Direct Deposit or Payroll Deduction0.​​​250%0.​​​250%
 & ​1 elective0.​300%0.​300%
 ​& ​2 electives0.​​400%0.​​400%
 ​& 3 electives0.​600%0.​600%
1APY = Annual Percentage Yield.  Anticipated dividends for 3Q 2018. 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 2018
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 Certificates

Effective: 7/​​1/18
TermMinimum Opening DepositAPY1
3 Months$5000.​600%
6 Months$5000.​600%
12 Months$5001.​750%
18 Months$5001.​​750%
24 Months$5001.​750%
3​6 Months$5001.​800%
36 Months (ROTH/EDUCATIONAL IRA)$5001.800%
60 Months$500​2.​750%
60 Months (ROTH only)$5002.750%
1APY=Annual Percentage Yield. Required interest payout for certain accounts. Anticipated dividends for 3Q 2018. 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.

Checking Accounts

Effective: 7/​​1/18
AccountMinimum BalanceRate/APY1
Prime$1,0000.​15%
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. Anticipated dividends for 3Q 2018. 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: 7/1/18
Loan TypeAPR (as low as)Product Information
Platinum Visa Credit Card19.90%Benefit from one of the lowest interest rates around.
New/Used Autos22.49%​​Up to 125% financing, including tax & license, with terms up to 60 months. (Total financing based on year of vehicle.)
Motorcyles34.99%Includes Motor Scooters
Recreational Vehicles45.49%Recreational Vehicles includes: RVs, Fifth-Wheel, Travel Trailer, Truck Camper and Pop-Up Campers
Personal Loans515.00%Variable rate loan/line of credit
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.
22.49%​​ APR is for new and used auto loans up to 60 months. Member-only discounts require automatic payments from your FFCU checking account and 2 qualifying products and/or services. Example: 60 monthly payments of $17.74 per $1,000 borrowed at 2.49%​​ APR. Call for complete details.
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.
45.49% 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 5.49% APR.
5Representative example: A $5,000 unsecured loan at a rate of 15.00% for 48 months would require 48 monthly payments of $139.15. Rate subject to increase after consummation and may vary on a quarterly basis.

Real Estate

Effective: 7/1/18
Loan TypeTermRateAPR1MarginMaximum Loan AmountMaximum Combined Loan-to-Value (CLTV)Payment2
First Mortgagesup to 30 yearsCheck Rates
Fixed-Rate Home Equity Loans310 Year5.49% - 6.50% 5.59% - 6.21%N/A$200,00080%$10.​85
 15 Year5.74%5.81%N/A$200,00080%$8.​3​0
 ​20 Year5.​99%6.05%N/A$200,00080%$7.​17
Home Equity Line of Credit (HELOC)4N/A6.00% - 8.00%6.00% - 8.00%51.00% - 3.00%up to $200,00080%$1006
Emergency Loansup to 36 monthsN/A5.00%N/Aup to $5,000N/AN/A
APR = Annual Percentage Rate
CLTV = Combined Loan to Value
Rates subject to change without notice. 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. An approved application is required for pricing to be determined. Variable rate; rate and payment subject to change after loan consummation.
1Current highest "prime rate" as reported in The Wall Street Journal on the last business day of the month preceding the start date of each billing cycle.
2Estimated payment per $1000 borrowed.
3Minimum loan amount is $10,000. Eligible properties are primary residence single-family homes, Planned Unit Development (PUD) properties and condominiums. 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. The interest rate and payments are fixed for a term up to term listed, fully amortized. Payments do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater. An approved application is required for a rate to be locked. All loans subject to approval
4The 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. An approved application is required for pricing to be determined. Variable rate; rate and payment subject to change after loan consummation.
5Variable APR; May increase after loan consummation. Highest rate that can be charged is 18.00% APR.
6Minimum payment is $100 monthly or 1.25% of outstanding balance whichever is higher for the first 10 years. The remaining 15-year term is fully amortized.
Continue to Site
preview of mobile app