Borrow FIRST

Don’t drive into a branch and wait in line! Apply Anytime, Anywhere with our NEW MOBILE LOAN APP!! Or apply online through any mobile device, tablet, or laptop!

Learn about downloading our Mobile Banking App HERE!


First Financial Credit Union has teamed up with some of the greatest auto dealerships around! Make sure you check out what Auto Sale this month will give you an added extra bonus deal!

Cars, Trucks, SUVs, Vans

You get the same low rate on new and used vehicles up to four years old, with terms up to 84 months (available to qualified borrowers). Take care of your financing before you shop by pre-approving your loan, and you’ll have more bargaining power at the dealership!

To see a list of our preferred dealers click here

NADA Vehicle Values

Need pricing on a new or used vehicle? The latest new and used vehicle pricing information is available through NADAguides. Click for pricing on:

  • New Cars/Trucks/SUVs – get pricing on new vehicles, compare models, find the vehicle that’s right for you
  • Used Cars/Trucks/SUVs
  • Classic Cars – includes collectibles, exotics, muscle cars, etc.
  • Motorcycles – includes 1995 and newer motorcycles, antique (as early as 1905) motorcycles, ATVs, snowmobiles
  • Recreational Vehicles – 1975 and newer models, including motorhomes, travel trailers and fifth wheels, truck campers, camping trailers
  • Watercraft – 1970 and newer model boats, personal watercraft, outboard motors, and boat trailers

Other Vehicle Loans

We also offer recreational vehicle loans (titled vehicles like motorhomes, boats, campers, etc.) and motorcycle loans.

Protect Your Vehicle Investment

Your vehicle loan can be a big commitment. Are you concerned about taking care of that commitment? What would happen if you were in an accident? Mechanical breakdown protection (MBP) provides protection against mechanical breakdowns beyond your existing manufacturer’s warranty. Guaranteed Asset Protection (GAP) covers the deficiency loss on your loan in the event of a total loss.

Click here to find out how you can protect your vehicle with MBP and GAP and get a quote on your vehicle.

Enter your auto insurance information here:

Don’t miss out, it’s a buyers market! Rates are still low!

First Financial Residential Lending Department focuses on the Credit Union’s philosophy of “people helping people,” and we are here to help you find the right home loan. Take advantage of our competitive low rates, and our fast local underwriting and servicing. Your credit union has a home loan or home equity loan to meet your needs:

  • Fixed rate conventional, fixed rate portfolio, FHA, VA, and USDA mortgages with a variety of terms.
  • Home Equity Line-of-Credit loans.
  • 2nd Mortgages- qualified borrowers can borrow up to 95% of their home’s value.
  • Land Loans

If you’re looking for a new home or think it’s time to refinance your current mortgage, contact our Mortgage Department for an appointment to discuss your options. Call 768-7190 to schedule your appointment. Click here for a list of documents you will need at your appointment.

Meet your Mortgage Loan Officers that will guide you through your new home loan experience.

David Marquez NMLS ID #787832
David Marquez joined First Financial Credit Union over two years ago. He brings prior credit union and mortgage experience, along with a Bachelor of Business Administration degree from the University of New Mexico. David is very knowledgeable in Conventional, VA, FHA, USDA, and Portfolio mortgage loans and will ensure you understand all your available options. He has the expertise and compassion to walk you through the entire mortgage process to ensure a pleasant experience from beginning to closing on your new home.
Please feel free to Contact Me or call (505) 462-1046 with any questions you may have.

Helen Quintana NMLS ID #416007
Helen Quintana has been working at First Financial Credit Union in the Mortgage Department for 9 years. As a Mortgage Loan Officer, she is familiar with Conventional, FHA, Home Equity, fixed rate 2nd mortgages and land loans and can ensure your mortgage experience is fast, efficient and pleasant. Helen will strive to present to you all your mortgage options and explain the process from start to finish.
Please feel free to Contact Me or call (505) 462-1043 with any questions you may have.

Ruth Wiseley NMLS ID #416009
Ruth Wiseley has been with First Financial Credit Union since 1983, and was one of the original Mortgage team members that was established in 1986. She started in the consumer loan department, and has worked various positions throughout the credit union. As a Mortgage Loan Officer, she is experienced in Conventional, Home Equity, FHA and VA loans. Ruth’s goal is to find members the best mortgage to fit their needs, and provides knowledgeable and compassionate service. She will guide you through all aspects of the mortgage loan process from application to finish, as well as assist you with an understanding of how to build a stronger credit profile if needed. Ruth values our members and strives to make the lending process a pleasant experience.
Please feel free to Contact Me or call (505) 462-1045 with any questions you may have.

Please Note: We can only finance mortgages and home equity loans for properties located in New Mexico in amounts up to $417,000. For a complete listing of all registered MLOs please contact the Executive Administrative Assistant at 505-462-1117.

Signature loans and line-of-credit loans

Use these loans for just about any purpose – maybe that dream vacation, to consolidate debt, or for overdraft protection for your checking account.

Computer loans

Is your computer from the last century? Have a teen who eats and breathes technology begging for a new laptop? Whatever your “I need a new computer now” story is, our computer loans will get you hooked up and logged on in no time. Don’t use a high rate credit card to buy your computer! Finance 100% of your computer purchase with First Financial. You can also finance the accessories you need like printers, scanners, etc.

Share secured or certificate secured

Want the best of both worlds? You want to keep your funds intact but need to borrow some money to cover unexpected expenses or a big purchase, at a great rate. First Financial Credit Union has the answer – a share secured loan.

A share secured loan allows you to borrow against your First Financial savings account as collateral for your loan and get a low rate, too!

Whether you need funds for short-term business expenses, to make purchases, or to supplement working capital, we can help.

Want to apply for a Business Loan? Please contact our Loan Department at (505) 766-5600 (or 1-800-342-8298), or stop by any of our branches for more information.

NEW Lower Rate Credit Card!

Visa® GOLD PREFERRED CREDIT Card – Now Available!!

If you are not interested in a rewards card, you may qualify for our Visa Gold Preferred Card with a low, competitive rate of 6.9% APR and no annual fee. If you have higher-rate credit cards and loans at other lenders, now is the time to pay off those balances with a FFCU VISA!

  • Annual Percentage Rate (APR) for Purchases as low as 6.9%1
  • APR for Balance Transfers: 6.9%1
  • APR for Cash Advances: 6.9%1
  • No Annual Fee

Visa® Platinum Rewards Card

First Financial Credit Union’s Platinum Rewards Card is one of the best premium credit card values available. It is a LOW rate card that earns Bonus Rewards points! You earn bonus rewards points in our ScoreCard Rewards Program with every qualifying purchase. Use them for valuable merchandise plus great travel and vacation opportunities – at no cost to you.

There’s no limit to the number of Bonus Points you can earn, and you can build them up so you can make a really big purchase or take a spectacular vacation! Apply today, and take advantage of the NO FEE balance transfer and transfer your other higher interest rate credit cards!

  • Annual Percentage Rate (APR) for Purchases as low as 9.9%1
  • APR for Balance Transfers: 9.9%1
  • APR for Cash Advances: 9.9%1
  • No Annual Fee

1Annual Percentage Rate (APR) for Purchases, Cash Advances, & Balance Transfers.

2Please read the following disclosure that contains rates, fees, and other cost information, as well as agreements and terms that are related to the FFCU Credit Card.

3Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use.

You work hard, so play hard with your First Financial Credit Union Credit Card. You don’t have one? Apply online, and get one of our new low rate or current rewards cards, and snap a pic of your fun! Post it on social media with the hashtag #snapsharewin and you’ll be entered to win $50 every week, and you could win the ultimate prize of a four day Vegas getaway! Work hard, play hard, and win! Find out more details here!

ScoreCard Rewards Program

You will earn 1 point for each dollar charged, regardless of your purchase method, in store, online, or by phone. Your bonus points can be redeemed for name-brand merchandise or for travel rewards such as air travel, hotel stays, car rentals and more. 1. There’s no limit to the number of Bonus Points you can earn, and you can build them up so you can make a really big purchase or take a spectacular trip or vacation.

See all merchandise and travel awards currently available.

How to Earn Points

ScoreCard points enable you to earn Bonus Rewards Points for each dollar in net purchases charged to your rewards credit cards. Award redemption can start with as few as 700 Bonus Points. You can accumulate Bonus Points for up to five years to save for larger ticket items, such as airline tickets, cruises and hotel stays.

How to Redeem Points

You redeem Bonus Rewards Points by selecting awards from various merchandise levels and a special travel selection. You can redeem your awards securely online. All current rewards offerings can also be viewed online. Shipping is always free! Or call 1-800-854-0790.

ScoreCard Travel Services provides expert travel consultants whether you are redeeming points for travel or purchasing travel. You can speak person-to-person with a consultant or utilize the online booking system.

For air travel, there are over five ticket options to get you where you want to go. In addition, car and hotel reservation purchases are easily combined into the air redemption and/or purchase transaction. And if you use your First Financial Rewards Credit Card for the purchase portion of your airfare, cruise or vacation package reservations, you’ll earn double points!

1Balance transfers, and cash advances with your credit card do not qualify for Bonus Points.

Account Access

Manage your First Financial Visa Rewards Credit Card account with FREE, online access through the eZCardInfo website. The eZCardInfo website allows you to manage your credit card account online so you can take control of your finances.

Once enrolled, you have access to the following features:

  • Account Summary: Provides a snapshot of your account balance, available credit, payment information, credit limit, and recent transactions that have not yet been billed.
  • Statements: View your last 7 months of credit card account history and transaction detail and assign expense categories and memos to transactions.
  • Find Transactions: Search statement information for specific transactions.
  • Email Alerts: Set up email alerts so that you are notified when certain events concerning your account occur, such as when payments are received.
  • Cardholder Profile: Change your email address and password, as well as cancel your online access.
  • Download: Download information for use with personal financial management software. Downloaded files include transaction information, merchant addresses, memos, and category information.

eZCardInfo Enrollment

If you are a new user and have not yet enrolled, you can do so by clicking the “Enroll Here” button on the eZCardInfo homepage. If you have trouble enrolling or are not able to enroll, please contact customer service at 866-604-0380.

Routine Maintenance

eZCardInfo may not be available at times so that routine maintenance can be performed. Maintenance takes place on the second Sunday of each month from 2:00 am – 6:00 am ET.

eZCardInfo Website Questions

If you are experiencing technical difficulties or have questions about the eZCardInfo website that are not covered in our FAQs, please call 866-604-0380. If you have specific questions about an account, please refer to the customer service telephone number listed on your monthly billing statement.