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Wishing You a Happy Holiday Season

As we close another year, your Board of Directors, Supervisory Committee and staff want to thank you for being a part of our Ohana (family). We wish you a season filled with warmth, happiness and continued financial wellness in the new year.

A red apple, starfish and small gift stacked on top of books on the beach.

Matching Dollars 4 Schools is Back: Empower Education

During this season of giving, you can help make a difference in our local schools through our annual fundraiser, Matching Dollars 4 Schools. Now through December 31, 2025, when you make a donation we’ll match it dollar-for-dollar, doubling your impact.

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

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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.

Introducing our Junior Checking Account for Teens (Ages 13-17)*

We believe it’s never too early to start building solid financial habits. Our Junior Checking account gives your teen the opportunity to learn, save and spend money responsibly. With features designed for both independence and your guidance, Junior Checking will help teens develop smart and life-long money-management skills.

As your teen begins their financial journey, we want to share helpful tips to protect their devices.

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

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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.

A Joyful Holiday Season Includes Your Fixed-Rate Visa Platinum

Your fixed-rate Visa Platinum card provides peace-of-mind for every flight, getaway, and gift on your list, ensuring you make the most of the holiday deals.

Add your Visa Platinum to your digital wallet for a seamless, secure checkout everywhere you shop.

Access exclusive Visa cardholder discounts with Visa Offers + Perks!*

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. Other terms and conditions subject to change without notice. *FFCU is not responsible for information on or experiences you may have with other websites linked from this communication. If you click the links above, external websites that are owned and operated by a third-party will be opened in a browser window.

Holiday gift paid for with a Visa debit card

Your Visa Debit Card is Ready for Holiday Shopping!

Make holiday shopping a little more merry and less stressful with your Visa Debit card. You’ll shop confidently, knowing your purchases are protected against fraud with Visa’s Zero Liability Policy.*

Link your Visa Debit card to your digital wallet for easy checkout and even more security.

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

Congratulations to our Join Our Ohana Winner!

We're happy to announce Anthony S. is the recipient of the $1,000 Hawaiian Airlines Gift Card!

Referring a new member comes with its perks, such as money-saving rate discounts or perhaps a new prize to win? Stay tuned!

Now Joining our Ohana is even more rewarding!
When you refer your family or educational community colleagues, and they open an account, both you and your referral receive a:

Loan Rate Discount
0.50% APR

on Auto Loan¹
and Home Equity Loan²

Call or visit your nearest branch for complete details.

Join our Ohana Referral Program: 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 who must be at least 18 years of age and meet all membership eligibility requirements, 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 not eligible. First Financial is an Equal Housing and Equal Opportunity Lender. NMLS #782737. 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. Other restrictions may apply.

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, each with a three-year term. 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

Use This Action Plan to Avoid Scams

Scammers are sneaky and use different tricks to trick people into giving them their money or personal information. They try to rush victims into acting quickly, so they don’t have time to think things through, ask for help, or take precautions. The Federal Trade Commission (FTC) has put together a super helpful tool called “How I’ll Avoid a Scam: My Action Plan” to help you stay safe from scammers.

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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

Learn More

Giving Back to the Community

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

Learn More