"I highly recommend FFCU's products and services!"
The staff was so amazing and they far exceeded my expectations
Ride Waves of Mahalo
Here, we consider our members part of our ohana (family) and we’re committed to guiding them throughout their financial journeys. Are you currently a member and know somebody that would benefit from our friendly, personalized approach to banking? Send them our way!
Here’s how it works:
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You send us your referral
Refer a family member or educational colleague that is at least 18 years old.
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We contact your referral
Once we confirm membership eligibility, we’ll help your referral set up their membership.
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Your referral joins First Financial
Your referral can now access the same products and services you enjoy, including the exclusive Join Our Ohana loan discounts!
For You & Your Referral: Exclusive Loan Discounts
Once your referral joins, you’ll both be eligible for these exclusive discounts for 6 months:
Auto Loan Rate Discount
Home Equity Loan Rate Discount
0.50% APR2
Who is Eligible to Join
Membership is open to:
Family of current First Financial members
Active/retired California educational employees
Active alumni of accredited California colleges or universities
Join Our Ohana: Spring-it-Forward Promotion
In addition to our exclusive loan discounts, from April 1-30, for each of your referrals that join, you’ll be automatically entered to win $250!* Winner will be announced by May 31.
Share the money-saving benefits of membership with your family and educational colleagues, so they can then “spring-it-forward”!
We Welcome Your Referrals
Referrals are our best compliments. Mahalo for your valuable membership and we look forward to welcoming your referrals to our ohana!
Disclosures:
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, and are subject to change without notice. Other restrictions may apply. Discounts subject to change without notice. Other terms and conditions may apply. The auto loan and home equity loan rate discounts are valid when the referral who must be at least 18 years of age and meet all membership eligibility requirements, establishes membership, and opens a savings account with the required minimum opening deposit. Discounts valid for 6 months after membership date is established. First Financial staff and joint members of existing First Financial members are not eligible for the Join Our Ohana discounts.
APR = Annual Percentage Rate.
1Call or visit a branch for complete details.
2Loan 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.
*By participating in this promotion, the referring individual (“referrer”) will receive one (1) entry into a drawing for $250 for each eligible referral submitted. A referral is considered eligible when the referred individual (“referee”) becomes a First Financial Credit Union (FFCU) member on or before 4/30/26, a referee cannot be a joint member of an existing FFCU account. No purchase or payment is necessary to enter to win, nor will it increase the odds of winning. FFCU staff, family members, and volunteers are not eligible. Void where prohibited by law. Members who refer a new member will be automatically entered into the raffle. The winner will be selected in a random drawing from among all eligible entries received throughout the promotion period (4/1/26-4/30/26). Odds of winning will vary depending on the number of eligible entries received. Drawing will be held in May and only the winner will be notified. The $250 prize will be deposited directly into the winner’s FFCU Stakeholder (savings) account on record. Membership eligibility and other terms and conditions apply. By participating, winner agrees that FFCU may use their name, likeness, and statements for advertising and promotional purposes in any media (print or digital).
