We’re happy to welcome you to the First Financial Credit Union family!
Fort Bayard Federal Credit Union (FBFCU) has merged with First Financial Credit Union (FFCU), a strong, local New Mexico credit union committed to delivering greater value, better products, and continued personalized service to our members.
As part of this exciting merger, you’ll gain access to a wider range of financial solutions, modern digital tools, and a statewide network of branches and ATMs.
This Is More Than a Merger—It’s an Upgrade.
More access, less hassle. With 17 branches across New Mexico and a massive ATM network, First Financial makes banking easy—wherever life takes you. Branch Locations & Hours
Next-level tools. Real rewards. From flexible loans to smarter digital banking and free financial resources, we've got what you need to do more with your money.
Still all about you. Just like FBFCU we’re member-owned and put our members first—only now, we bring stronger financial solutions to help you grow your money.
Online Banking
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First Financial Online Banking Offers
- Free, secure, and easy-to-use service for First Financial Credit Union members:
- Easily access eStatements
- View account balances and history
- Security alerts when your login information is changed
- Set transfer limits on member-to-member transfers with the Friends and Family feature
- And more
- Pay one-time or recurring bills with ease:
- Schedule payments in advance
- Set up payment reminders
- Ensure payments are received on time
- Have payment information in one convenient place
- Avoid paper clutter
- More secure than paper billing
- Make more time for yourself with fewer trips to a branch
- Print or download to popular financial management software
- Chat with a live support representative for assistance with:
- Information about various products and services
- Registering and navigating Online and Mobile Banking
- Navigating the First Financial app/website
- Real-time troubleshooting/navigating
- Instantly resolve issues by sharing your screen with an agent. *Cobrowsing capabilities on desktop only to eliminate the need to ask members to provide screenshots and reduce call time
Online Banking Registration
Ready to Register for Online Banking? Just follow these easy steps.
Step 1. Visit our Online Banking Registration here.
Step 2. For first-time users, click the “Register Now” button. From there you will select “Register as an Individual” or “Register as a Business” and agree to the disclosure.
Step 3. You will be prompted to first enter your Member Number, SSN/Tax ID. Next, you will be required to provide answers to 2 of the 3 verification questions, Date of Birth, Email, or Zip Code).
Step 4. Create a username and generate a temporary password. Once you authenticate your information, you will set up a password and confirm your contact information.
Congratulations! You are now able to access your accounts online.
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Mobile Banking
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First Financial Mobile Banking Offers
- Fast, free, and secure service for members enrolled in online banking1
- Easily keep track of your finances on the go:
- Log in with your fingerprint (if phone has this capability)
- View balances without logging in
- Turn your card on and off at your convenience
- Deposit checks2
- And more
- Available via any web-enabled cell phone or device
- Use this service one of two ways:
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- Text banking
- Save valuable time and effort; avoid an extra trip to a branch
View our Mobile Banking FAQ for answers to common questions.
Visit our Mobile Banking webpage
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Stay Informed
This page will be updated regularly with the latest information about the merger. Check back often for updates, timelines, and helpful resources to guide you through the transition.
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Moving Forward. Gaining More.
Earlier this year, the National Credit Union (NCUA) invited FFCU to step in and help manage FBFCU, recognizing our strong commitment to serving rural communities across New Mexico.
As the year progressed and after careful consideration of the challenges facing FBFCU, the FBFCU Board of Directors requested to move forward with a partnership—formally merging FBFCU into First Financial Credit Union.
We’re honored to welcome all FBFCU members into the First Financial family and extend our sincere appreciation to the dedicated volunteers and staff of FBFCU for their years of service to both the membership and the community.
New Name. Nearby Location.
While the FBFCU branch has officially closed, your credit union services haven’t gone far. You’re now part of the First Financial Credit Union family—and your new branch is conveniently located just 2.7 miles down the road at 2290 Superior Street in Silver City. You’ll find the same commitment to personalized service, now backed by enhanced products, expanded resources, and a wider network to support your financial goals.
Better Banking Begins Now.
As a member of FFCU, you will have access to a wider range of financial products, enhanced digital tools, and expanded branch and ATM access across New Mexico. From high-reward checking and competitive loan options to 24/7 mobile banking, we’re here to make managing your money easier, smarter, and more rewarding. Compare what you had with FBFCU to everything you gain with FFCU—because better banking truly begins now.
Comparison Chart Coming Soon!
Your Wallet Upgraded.
New Look. Better Everything.
Upgrade your spend game with the latest in contactless payment technology. Keep an eye on your mailbox, your new FFCU Mastercard® Card be mailed to you soon, and you’ll be able to tap and go with ease—no more swiping, inserting, or fumbling at checkout. Just a simple tap puts the power of secure, lightning-fast payments right at your fingertips. Starting June 2, 2025 you’ll be able to tap into a whole new level of convenience. Don’t worry—your current FBFCU card will continue to work until then.
We’re Upgrading More Than Just Your Card
At the end of May, we’ll migrate your FBFCU account into FFCU’s powerful digital system. Once complete, you’ll unlock access to all of FFCU's products and services including Kasasa Checking Accounts that pays you cash back rewards.*
Get ready to take advantage of upgraded tech, more features, and a smoother banking experience. Earn real cash rewards just for living life and using your debit card.*
Merger Questions? We've Got Answers.
We understand that change can bring questions—and we’re here to help. FFCU is committed to making this transition as smooth and seamless as possible. Our team is available to answer any questions and assist you throughout this process. Please feel free to contact us at 1(800)342-8298 or (505)766-5600. From account transitions to branch access and online banking, we’re committed to keeping you informed every step of the way.
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*Please view all terms and conditions here.