Tradewinds eNewsletter | Southern CA Credit Union Events

Join Our Ohana (family)

This is a rewarding way for you to refer your family or educational community colleagues to First Financial.

Our mahalo (thank you) includes money-saving rewards for you and your referral:

For You	For Your Referral
Auto Loan Rate Discount: 0.34% APR* Home Equity Loan Rate Discount: 0.25% APR**	Auto Rate Loan Discount: 0.34% APR***

Plus, when you refer a family member or colleague to Join our Ohana from July 1 to September 30, 2025, you’ll be entered for a chance to win a $1,000 Airfare Gift Card to Hawaii!****

Call or visit your nearest branch for complete details.

All loans are subject to credit approval and all First Financial Credit Union 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 establishes membership with a savings account with the required minimum opening deposit. Discounts valid for 6 months after membership date is established. First Financial staff are is eligible. First Financial is an Equal Housing and Equal Opportunity Lender. NMLS #782737. APR = Annual Percentage Rate.

*Call or visit a branch for complete details.

**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.

***Must be at least 18 years of age, meet all membership eligibility requirements and open a savings account with the required minimum opening deposit.

****$1,000 Airfare Gift Card to Hawaii Eligibility Details:
To be eligible to be automatically entered to win a $1,000 Airfare Gift Card to Hawaii, you must be a First Financial member in good standing, 18 years of age or older, a California resident and referred a new member through the Join our Ohana Referral Program. The new member must be 18 years of age or older, meet all membership eligibility requirements and opened a savings account with the required minimum opening deposit. No purchase or payment is necessary to enter to win, nor will it increase the odds of winning. First Financial staff, family members and volunteers are not eligible. Winner will be awarded a Hawaiian Airlines gift card (value up to $1,000) (excludes taxes, fees, meals, travel insurance, accommodations, and ground transportation). Cannot be exchanged for cash, check or credit, no substitutions or cash equivalent of the prize is permitted and is non-transferable. Gift Cards are redeemable online at HawaiianAirlines.com and via the Hawaiian Airlines mobile app (the “Hawaiian Airlines Mobile App”); in the event HawaiianAirlines.com does not present an option to redeem an eligible Gift Card, such Gift Card may be redeemable at 1-800-586-9419. 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 (July 1 to September 30, 2025). Odds of winning will vary depending on the number of eligible entries received. Drawing will be held in October and only the winner will be notified. We reserve the right to use winners name and image in any promotional material. The winner is responsible for all applicable taxes on prize and will receive a W-9 form.

Fraud Prevention Tips for the Summer Travel Season

You may be going on vacation; however, fraudsters never stop working. We have some friendly reminders and helpful tips when traveling with your smart phone, laptops and other devices to keep your summer safe and worry-free.

Pack light—not just what outfits you’re taking but your devices as well. This will reduce the risk of theft or loss.
Update your software before you leave. Be sure to install the latest security patches and opt-in for automatic updates (if you haven’t already done so).
Protect your data with strong passwords. It’s always a good reminder to use passwords, passcodes (including your PIN for debit and credit cards). If given the option, consider choosing biometric locks like Face ID or fingerprint scans to unlock your devices.
While convenient, be wary of using public wi-fi. Avoid accessing personal accounts in public areas like airports, hotels or cafes/coffee shops. If you do use public wi-fi, also ensure you “log out” before closing your browser when done.
Enjoy your vacation and postpone posting. Sharing posts/pictures of your vacation on social media can alert fraudsters that you’re away and your home may be empty. Share your memories when you return.

More Vacation and Travel Cybersecurity Tips
From snapping vacation selfies to booking hotels on the go to discovering five-star restaurants, travel and tech go hand-in-hand. Unfortunately, cybercriminals know this, too. For some simple vacation online safety tips to protecting your devices, data, and peace-of-mind while on vacay mode, click Best Vacation and Travel Cybersecurity Tips - National Cybersecurity Alliance for more information.

Don’t Forget to Pack Your Visa Debit Card for Your Summer Vacation and Shopping Needs

From summer essentials, and just about anything else, consider your Visa Debit card as your go-to checking account connection. You can even earn cash back with a variety of merchants through Purchase Rewards. Plus, Visa’s Zero Liability Policy* provides robust protection from unauthorized transactions.

Just a reminder, your Visa Debit is accepted at over 30,000 CO-OP ATMs.

*Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify First Financial immediately of any unauthorized use. Contact First Financial for more details.

Smiling mature man with white, grey stylish short beard using smartphone and laptop to view his banking information.

Your Finances at Your Fingertips—It’s Safe and Convenient

Are you taking advantage of this free benefit of membership yet? Online / Mobile Banking gives you quick, secure account access beyond business hours. Check out the benefits you’ll enjoy when you enroll:

24/7 Account Management
Control Your First Financial Platinum Visa Credit and Debit Cards
Link Outside Accounts

Learn More

Save Time with Free Direct Deposit

There’s no better time than now to set up Direct Deposit and have your paycheck directly deposited into your First Financial checking account. It’s easy, secure and offers numerous benefits, including convenience and fast access to your money. Direct Deposit can also be set-up for other recurring deposits, such as Social Security.

Click the link below for more information and to get started.

Learn More

Dividend Updates

Dividends were announced for the 2nd Quarter, the period of April 1 to June 30, 2025.
Dividends were posted to your account on July 1, 2025. Rates are subject to change without notice.

	• Stakeholders (Share) Account: $100 and above	0.050% APY
	• Student Savings Account: $5 and above	0.050% APY
	• Association Savings Account: $100 and above	0.050% APY
	• IRA Savings Account: $5 and above	0.25% APY
	• SuperSavers Account: $1,000 and above	0.050% APY
	Above Plus Active Checking Account	0.100% APY*
	Above Plus Direct Deposit or Payroll Deduction	0.150% APY*
	Above Plus 1 eligible elective	0.150% APY*
	Above Plus 2 eligible electives	0.200% APY*
	Above Plus 3 eligible electives	0.250% APY*

APY=Annual Percentage Yield. Regulations prohibit paying dividends in excess of available earnings. All rates are correct at time of publication. Rates are subject to change without notice. A minimum opening deposit is required. The Board of Directors declares dividends on a quarterly basis. *Based on use of qualifying electives. Please see your Truth-in-Savings Agreement for more details.