IRA Savings
Accounts
as low as
Rates
We're able to offer higher rates on deposits and investments, and lower rates on consumer loans, so you can get more for your money.
Save with First Financial Yields and Rates
| Account | Min. Opening Deposit | Rate | APY1 |
|---|---|---|---|
| Savings | $100 | 0.05% | 0.05% |
| Junior Savers | $5 | 0.05% | 0.05% |
| Flexible Savers2 | $50 | 0.05 % | 0.05% |
| IRA Savings3 | $5 | 0.25% | 0.25% |
| SuperSavers4 | $1,000 | 0.05% | 0.05% |
| Plus Checking Account | 0.10% | 0.10% | |
| Plus Direct Deposit or Payroll Deduction | 0.15% | 0.15% | |
| & 1 elective | 0.15% | 0.15% | |
| & 2 electives | 0.20% | 0.20% | |
| & 3 electives | 0.25% | 0.25% | |
| Money Market Savings5 | $2,500+ | 0.40% | 0.40% |
| $10,000-$24,999 | 0.45% | 0.45% | |
| $25,000-$99,999 | 0.50% | 0.50% | |
| $100,000+ | 0.55% | 0.55% |
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 and Truth-in-Savings Addendum for complete details. Regulations prohibit paying dividends in excess of available earning.
2Must mature in July or August 2025.
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 $1,000 to avoid closure of this account and to receive yields. Fees may be charged monthly if balance falls below $1,000 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 SuperSavers 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), SuperSavers 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.
5APY=Annual Percentage Yield. Must maintain the minimum daily balance of $2,500 in this Account to avoid a monthly Low Balance Fee as set forth in the Fee Schedule and to earn the disclosed APY.
2Must mature in July or August 2025.
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 $1,000 to avoid closure of this account and to receive yields. Fees may be charged monthly if balance falls below $1,000 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 SuperSavers 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), SuperSavers 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.
5APY=Annual Percentage Yield. Must maintain the minimum daily balance of $2,500 in this Account to avoid a monthly Low Balance Fee as set forth in the Fee Schedule and to earn the disclosed APY.
| Term | Min. Opening Deposit |
Rate
Dividends paid monthly
|
APY*
Dividends paid annually and at maturity
|
|---|---|---|---|
| 3 Months | $500 | 2.97% | 3.00% |
| 6 Months | $500 | 3.26% | 3.30% |
| 12 Months | $500 | 3.40% | 3.45% |
| 18 Months | $500 | 3.20% | 3.25% |
| 24 Months | $500 | 2.96% | 3.00% |
| 36 Months | $500 | 2.96% | 3.00% |
| 60 Months | $500 | 3.05% | 3.10% |
*APY=Annual Percentage Yield. 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 and Truth-in-Savings Addendum for complete details. Regulations prohibit paying dividends in excess of available earnings.
Promotional IRA Certificates / Roth / Educational IRA Certificates | Effective: 1/27/26
| Term |
Rate
Dividends paid annually and at maturity
|
APY*
Dividends paid annually and at maturity
|
|---|---|---|
| 12 Months | 4.00% | 4.00% |
| 18 Months | 3.70% | 3.70% |
| 24 Months | 3.60% | 3.60% |
*APY=Annual Percentage Yield. Requirement for opening a Promotional IRA Certificate is new money only (funds from a non-First Financial account). For new IRA Certificates opened; not valid on current IRA certificates. 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. Account renews at prevailing rate. See Truth-in-Savings Agreement for complete details. Regulations prohibit paying dividends in excess of available earnings.
Relationship Share Certificates (CD) | Effective: 1/27/26
Tiers: Minimum Opening Deposit: $500 (Dividends paid annually and at maturity)
| Tiers |
6 Months
Rate
|
6 Months
APY*
|
12 Months
Rate
|
12 Months
APY*
|
18 Month
Rate
|
18 Month
APY*
|
|---|---|---|---|---|---|---|
| Base | 3.30% | 3.30% | 3.45% | 3.45% | 3.25% | 3.25% |
| +1 relationship product | 3.35% | 3.35% | 3.50% | 3.50% | 3.30% | 3.30% |
| +2 relationship products | 3.40% | 3.40% | 3.55% | 3.55% | 3.35% | 3.35% |
| +3 relationship products | 3.45% | 3.45% | 3.60% | 3.60 % | 3.40% | 3.40% |
| +4 relationship products | 3.55% | 3.55% | 3.75% | 3.75% | 3.50% | 3.50% |
*APY = Annual Percentage Yield. A minimum of $500 opening deposit is required for a Relationship Share Certificate. You must have a FFCU Checking Account and Online Banking to be eligible to open a Relationship Share Certificate account and to earn additional dividends from other qualifying FFCU services. Certain qualifying services will only count as one service each from the following categories, regardless of the number of these services that you have: active debit cards, credit cards, SuperSavers accounts, IRAs, Auto Loans, and Real Estate Loans. Regulations prohibit paying dividends in excess of available earnings. Note: Dividend yield will be increased for a maximum of 4 qualifying products/services, any additional qualifying products/services will not result in further increases. In addition, the qualifying products/services must be under the same account number as your Relationship Share Certificate account. Refer to your Truth-in-Savings Agreement or call for complete details. Rates are subject to change without notice. Early withdrawal penalties may apply. Earnings may be reduced if fees are incurred. Other terms, conditions may apply. Call for complete details.
| Term | Min. Deposit | Rate Dividends paid annually and at maturity |
APY*
Dividends paid annually and at maturity
|
|---|---|---|---|
| 6 Months | $2,500 | 3.95% | 3.95% |
| - | $5,000 | 4.00% | 4.00% |
| 12 Months | $2,500 | 3.80% | 4.00% |
| - | $5,000 | 3.85% | 3.85% |
| 18 months | $2,500 | 3.50% | 3.50% |
| - | $5,000 | 3.55% | 3.55% |
*APY = Annual Percentage Yield. Requirements for opening an Aloha Share Certificate are new money only and an active Checking account with Online Banking. Minimum opening deposit to obtain APY is required for each certificate type. Rates are subject to change without notice. Early withdrawal penalties may apply. Earnings may be reduced if fees are incurred. Other terms and conditions may apply. Call for complete details.
Checking Accounts | Effective: 1/27/26
| Account | Min. Balance | Rate/APY* |
|---|---|---|
| Prime | $1000 | 0.100% |
*APY=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 and Truth-in-Savings Addendum for complete details. Regulations prohibit paying dividends in excess of available earning.
| Loan Type | APR (As Low As) | Estimated Payment Per $1,000 Borrowed at 60 Month Term | Term (In Months) | Product Information |
|---|---|---|---|---|
| Visa Platinum Credit Card1 | 11.90% | - | - | Benefit from one of the lowest interest rates around. |
| New/Used Autos2 | 5.09% | $18.92 | up to 60 months | Up to 125% financing, including tax & license. (Total financing based on year of vehicle.) |
| Motorcyles3 | 9.24% | $20.88 | up to 72 months | Includes Motor Scooters |
| Recreational Vehicles4 | 9.74% | $21.12 | up to 144 months | Recreational 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.
2APR=Annual Percentage Rate. 5.09% APR is for new and used auto loans up to 60 months. Discounts require automatic payments from your FFCU checking account and qualifying products and/or services. Payment example: 60 monthly payments of $18.92 per $1,000 borrowed at 5.09% APR.
39.24% APR is for new and used Motorcycle Products up to 60 months. Representative example: 60 monthly payments of $20.88 per $1,000 borrowed at 9.24% APR.
49.74% 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 9.74% APR.
1The rate you will receive depends on your credit history. Please refer to the Credit Card Agreement for complete details.
2APR=Annual Percentage Rate. 5.09% APR is for new and used auto loans up to 60 months. Discounts require automatic payments from your FFCU checking account and qualifying products and/or services. Payment example: 60 monthly payments of $18.92 per $1,000 borrowed at 5.09% APR.
39.24% APR is for new and used Motorcycle Products up to 60 months. Representative example: 60 monthly payments of $20.88 per $1,000 borrowed at 9.24% APR.
49.74% 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 9.74% APR.
First Mortgage: Refinance | Effective: 1/27/26
| Loan Type: Refinance | Rate | APR1 | Term | Monthly Principal Interest Payments | Note | Points |
|---|---|---|---|---|---|---|
| Fixed-Rate: Conforming (loans up to $806,500) APR & payment based on $400,000 loan |
6.625% | 6.703% | 30 Year 10, 15, 20-year terms also available |
$2,561.24 | Rates subject to change daily. Home Loan Request More Information |
0.000 |
| Fixed-Rate: Jumbo (loans up to $1,500,000) APR & payment based on $975,000 loan |
8.500% | 8.704% | 30 Year 15-year term also available |
$7,496.91 | Rates subject to change daily. Home Loan Request More Information |
1.375 |
| 5/5 ARM (Adjustable Rate Mortgage) Loans up to $1,500,000 APR & Payment based on $400,000 loan |
6.000% | 6.228% | 30 years | $2,398.20 | Rates subject to change daily. Home Loan Request More Information |
0.000 |
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: 1/27/26
| Loan Type: Purchase | Interest Rate | APR1 | Term | Monthly Principal & Interest Payments | Note | Points |
|---|---|---|---|---|---|---|
| Fixed-Rate First Mortgage: Conforming (with loans up to $806,500) APR & payment based on $400,000 loan |
6.625% | 6.703% | 30 Year 10, 15, 20 year terms also available |
$2,561.24 | Rates subject to change daily. Request More Information |
0.000 |
| Fixed-Rate Mortgages: Jumbo (loans up to $1,500,000) APR & payment based on $975,000 loan |
8.500% | 8.704% | 30 Year 15 year term also available |
$7,496.91 | Rates subject to change daily. Request More Information |
1.375 |
| 5/5 ARM (Adjustable Rate Mortgage) Loans up to $1,500,000 APR & Payment based on $400,000 loan |
6.000% | 6.304% | 30 years | $2,398.20 | Rates subject to change daily. Request More Information |
0.000 |
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.
| 12 Mnth Introd. Special (FIxed APR)1 | Min. Var. APR After Introd. Period | Max Var. APR After Introd. Period | Prime Index | Margin | Periodic Rate Caps | Loan Amount | Max. Combined Loan to Value (CLTV) |
|---|---|---|---|---|---|---|---|
| 5.99% | 7.50% | 15.50% | The Wall Street Journal Prime Rate | 0.75% - 2.75% | 0.50% Quarterly | $25,000 to $250,000 | 80% |
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 5.99% 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 8.00% 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 5.99% 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 8.00%. 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: 1/27/26
| Term | Loan Limits | Max. Combined Loan to Value | APR $25,000 - $99,999 | Est. Payment Per $1,000 Borrowed | APR $100,000+ | Estimated Payment Per $1,000 Borrowed |
|---|---|---|---|---|---|---|
| 10-15 Year | $25,000 - $250,000 | 80% | 7.125% | $9.06 | 6.875% | $8.92 |
| 20 Year | $25,000 - $250,000 | 80% | 7.875% | $8.29 | 7.375% | $7.98 |
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.
Payments: Sample payments don't include amounts for taxes and insurance premiums.
