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Welcome to a New Year of Financial Confidence and Possibilities

This year, take charge of your financial future. We are proud to be your trusted financial partner for life, offering trusted guidance and solutions designed to help you thrive at every stage of life.

Matching Dollars 4 Schools: Donation Deadline Extended

Good news! The deadline for Matching Dollars 4 Schools has been extended through January 31, 2026. There’s still time to make an impact on our local schools.

Your generosity and the power of matching funds will help make a difference.

Learn More

Your donation may qualify for an income tax deduction in accordance with Federal and/or State income tax laws. Please consult your tax advisor to determine whether your donation is tax deductible in whole or in part. Nothing in this communication is intended to constitute legal or tax advice. The credit union will match up to $10,000.

Person calculating credit card balances.

Clear Holiday Debt Quickly with Free Balance Transfers*

Consolidating high-interest credit card balances to your low, fixed-rate Visa Platinum card is free and easy!

Avoid overspending and unexpected fees from “Buy Now, Pay Later” offers. Your Visa Platinum is a game-changer! It comes with no Balance Transfer fees, so you can start saving money on interest today!

Transfer Balances Today!

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. Other terms and conditions subject to change without notice. *Free balance transfers when completing a Visa Platinum Card Balance Transfer form through Online Banking (under “Card eServices”). Free balance transfers may also be used with convenience checks to pay other lenders only—otherwise you will incur a cash advance fee. Balance transfers are not valid for First Financial loans.

Get Access to Your Money the Fast and Secure Way with Free Direct Deposit this Year

Simplify your life and make managing your finances easier and more secure with Direct Deposit this year. It’s easy, secure and offers many benefits, including convenience and fast access to your money. Direct Deposit can also be set-up for other recurring deposits, such as Social Security.

Learn How to Get Started

Earn More for Your Money with Prime Checking

Checking choices are plentiful but not all are created equal. Did you know you could earn dividends with a Prime Checking account?^* You’ll earn interest when you maintain an average $1,000 daily balance. Our competitive rates beat the competition.

	Financial Institution	Rate/APY on $1,000 Balance
	First Financial	0.100%
	Bank of America	0.01%
	Wells Fargo	0.01%
	Chase	0.01%
A third-party provider was used for rate comparison. Information as of 12/2025.

Learn More

*Must maintain the minimum monthly balance of $1,000 to earn dividends and avoid a monthly low balance fee as set forth in the Fee Schedule and to earn the disclosed APY= Annual Percentage Yield.

Don’t Forget You Have Access to Over 30,000 No-Surcharge ATMs*

Take advantage of over 30,000 surcharge-free ATMs and flexible payment methods using your First Financial Debit card.

Need cash or make a deposit? Download our First Financial mobile app to find an ATM or text a zip code to 91989 to find a nearby CO-OP location.

*Surcharge-free transactions are available for debit and ATM cardholders of participating credit unions. Look for the CO-OP logo.

Mother and daughter reviewing her Junior checking account.

Junior Checking for Teens (Ages 13-17)*

Opening a Junior Checking account empowers your teen to take their steps toward financial independence without sacrificing parental control and guidance. It’s more than a checking account; it’s a learning tool that helps your teen to develop life-long money-management skills.

Open a Junior Checking account and set your teen up for financial success!

Learn More

Must meet First Financial Credit Union (FFCU) eligibility requirements to establish membership in order to take advantage of this offer. *A Junior Checking account is for minors between the ages of 13-17 years of age, with a Junior Savings account with a minimum $5.00 balance. An adult joint owner (parent/grandparent/legal guardian), who meets FFCU membership eligibility must have an established membership in good standing. To open this account, a $25 minimum opening balance is required and Online and Mobile Banking must be established. The Junior Checking account will convert to a Convenience Checking account when the junior member reaches the age of 18. Other terms, conditions, restrictions may apply. Call for complete information.

Bolster Your Retirement Goals with an Individual Retirement Account (IRA)

It’s a new year and a good time to review your retirement plan. Investing in an IRA provides flexibility for your financial future. What you save today could transform the way you live tomorrow. It’s easy to save a little at a time and grow your retirement fund.

Take advantage of the many IRA options with competitive rates available today.

Check Out our Rates

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.

Nominating Committee Seeks Volunteers
All members are cordially invited and welcome to attend the Annual Shareholders Meeting of The First Financial Federal Credit Union on Wednesday, April 29, 2026 at 5pm.

Eligible members interested in becoming candidates for election to the Board of Directors can obtain more information here. Completed forms must be received by the credit union no later than 5pm on Friday, January 16, 2026. The Board of Directors has declared two (2) open Director Positions. The open positions are each for a three-year term and they are Position #5 and Position #6.

Each candidate must:
1. Be a First Financial member in good standing for the past two (2) years
2. Have the ability to work effectively as a member of a close-knit management team
3. Have experience or attributes that will contribute to the Board of Directors effectiveness
4. Be at least 18 years of age
5. Not employed by another financial institution

Dividend Updates

Dividends were announced for the 4th Quarter, the period of October 1 to December 31, 2025.
Dividends were posted to your account on January 1, 2026. Rates are subject to change without notice.

	• Stakeholders (Share) Account: $100 and above	0.050% APY
	• Junior Savers 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.

You may also benefit from these great products:

Protect Your First Financial Cards

Protect yourself against fraudulent activity on your First Financial Platinum Visa Card or Debit Card

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Giving Back to the Community

We are committed to making a positive difference and building strong bonds with the communities we serve.

Learn More