Rates

Savings Rates — Effective as of 09/01/2016

1 Annual Percentage Yield, subject to change. 2 Minimum amount to open a Money Market Account is $500. Fees may reduce earnings.

Type Balance Range Dividend Rate APY
Primary Savings $5 & over 0.25% 0.25%
Money Market Account $25 – $2,499 0.25% 0.25%
Money Market Account $2,500 – $9,999 0.25% 0.25%
Money Market Account $10,000 – $24,999 0.25% 0.25%
Money Market Account $25,000 – $49,999 0.25% 0.25%
Money Market Account $50,000 – $99,999 0.25% 0.25%
Money Market Account $100,000 & over 0.30% 0.30%
Secondary/Special Savings All balances 0.10% 0.10%
Christmas Club All balances 0.40% 0.40%
Vacation Club All balances 0.40% 0.40%
Kirby Kids Savings $5 & over 0.25% 0.25%
Premier & Value Checking All balances 0.20% 0.20%
IRA Savings All Balances 0.35% 0.35%
IDA Savings Account All Balances 0.60% 0.60%

1 Annual Percentage Yield, subject to change. Fees may reduce earnings.

Type Balance Range Dividend Rate APY
Value Checking All Balances 0.20% 0.20%
Premier Checking All Balances 0.20% 0.20%
Kasasa Cash Daily Balance up to $7,500 (If account qualifications are met) 2.03% 2.05%
Kasasa Cash Daily Balance above $7,500 (If account qualifications are met) 0.30% 0.30%
Kasasa Cash Daily Balance (If account qualifications are not met) 0.05% 0.05%

Certificates — Effective as of March 25, 2016 – Present

1 ANNUAL PERCENTAGE YIELD. All rates are subject to change. Substantial penalty for early withdrawal of principal. Fees may reduce earnings.

Certificate Type Minimum Opening Deposit Dividend Rate APY
3 Months $1,000 0.25% 0.25%
6 Months $1,000 0.35% 0.35%
12 Months $1,000 0.45% 0.45%
18 Months $1000 0.50% 0.50%
24 Months $1,000 0.70% 0.70%
30 Months $1,000 1.00% 1.00%
36 Months $1,000 1.00% 1.00%
48 Months $1,000 1.20% 1.21%
60 Months $1,000 1.50% 1.51%

Jumbo Certificates — Effective as of March 25, 2016 – Present

1 ANNUAL PERCENTAGE YIELD. All rates are subject to change. Fees may reduce earnings. May be tax deductible, please consult your tax advisor.

Certificate Type Balance Dividend Rate APY
3 Months $25,000 0.35% 0.35%
6 Months $25,000 0.45% 0.45%
12 Months $25,000 0.55% 0.55%
18 Months $25,000 0.60% 0.60%
24 Months $25,000 0.80% 0.80%
30 Months $25,000 1.10% 1.11%
36 Months $25,000 1.10% 1.11%
48 Months $25,000 1.30% 1.31%
60 Months $25,000 1.60% 1.61%

1st Certificates — Effective as of March 25, 2016 – Present

1 ANNUAL PERCENTAGE YIELD. All rates are subject to change. Substantial penalty for early withdrawal of principal. Fees may reduce earnings. 1st Certificate available to members ages 13 through 24.

Certificate Type Minimum Opening Deposit Dividend Rate APY
3 Month $250 0.25% 0.25%
6 Month $250 0.35% 0.35%
12 Month $250 0.45% 0.45%
18 Month $250 0.50% 0.50%
24 Month $250 0.70% 0.70%
30 Month $250 1.00% 1.00%
36 Month $250 1.00% 1.00%
48 Month $250 1.20% 1.21%
60 Month $250 1.50% 1.51%

Kirby Kid Certificates — Effective as of March 25, 2016 – Present

1 ANNUAL PERCENTAGE YIELD. All rates are subject to change. Substantial penalty for early withdrawal of principal. Fees may reduce earnings. 2 Kirby Kids certificate available to members enrolled in the Kirby Kids program (ages 12 & under).

Certificate Type Minimum Opening Deposit Dividend Rate APY
3 Month $500 0.25% 0.25%
6 Month $500 0.35% 0.35%
12 Month $500 0.45% 0.45%
18 Month $500 0.50% 0.50%
24 Month $500 0.70% 0.70%
30 Month $500 1.00% 1.00%
36 Month $500 1.00% 1.00%
48 Month $500 1.20% 1.21%
60 Month $500 1.50% 1.51%

IRA Certificates — Effective as of March 25, 2016 – Present

1 ANNUAL PERCENTAGE YIELD. All rates are subject to change. Fees may reduce earnings. May be tax deductible, please consult your tax advisor.

Effective 03/25/2016 Balance Dividend Rate APY1
IRA Certificates
3 months $500 0.25% 0.25%
3 months $25,000 0.35% 0.35%
6 months $500 0.35% 0.35%
6 months $25,000 0.45% 0.45%
12 months $500 0.45% 0.45%
12 months $25,000 0.55% 0.55%
18 months $500 0.50% 0.50%
18 months $25,000 0.60% 0.60%
24 months $500 0.70% 0.70%
24 months $25,000 0.80% 0.80%
30 months $500 1.00% 1.00%
30 months $25,000 1.10% 1.11%
36 months $500 1.00% 1.00%
36 months $25,000 1.10% 1.11%
48 months $500 1.20% 1.21%
48 months $25,000 1.30% 1.31%
60 months $500 1.50% 1.51%
60 months $25,000 1.60% 1.61%


Credit Cards – Effective as of January 1, 2016 – Present

All rates given in ANNUAL PERCENTAGE RATE. 1Depending on your credit history.

Please 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.

Card Type Interest Rate
Visa Platinum Rewards 9.9%, 12.9%, 15.9%, 18.9% or 21.9%1
Visa Gold 6.9%, 9.9%, 12.9%, 15.9% or 19.9%

Consumer Loans — Effective as of January 1st, 2017 – Present

*All rates given in ANNUAL PERCENTAGE RATE. The APR for these loans is determined when application is processed, based on credit factors. Maximum terms available to qualified borrowers. 1 Variable rate.

Loan Type Annual Percentage Rate* Maximum Term
New & Used Up to 4 Yrs Old Vehicles As low as 1.99% 36 Months
New & Used Up to 4 Yrs Old Vehicles As low as 2.49% 48 Months
New & Used Up to 4 Yrs Old Vehicles As low as 2.59% 60 Months
New & Used Up to 4 Yrs Old Vehicles As low as 2.79% 75 Months
New & Used Up to 4 Yrs Old Vehicles As low as 3.29% 84 Months, $25,000 minimum amount
Used 5 Yrs & Older Vehicles As low as 2.69% 36 Months
First Time Auto Buyer As low as 14.99% 72 Months, $20,000 Max
New Motorcycles As low as 5.99% 72 Months
Used Motorcycles As low as 7.99% 60 Months
New Titled Recreational Vehicles As Low As 6.49% Up to 144 Months, depending on amount
Used Titled Recreational Vehicles As Low As 6.99% Up to 144 Months, depending on amount
New Boats As Low As 7.49% Up to 144 Months, depending on amount
Used Boats As Low As 7.74% Up to 120 Months, depending on amount
Computer Loan As Low As 7.00% 36 Months
Personal loans As Low As 10.49% 48 Months
Line-of-credit As Low As 13.25% 36 Months
Miscellaneous collateral As Low As 10.25% 60 Months
Share Secured 5.90% 84 Months
Certificate Secured 1 CD Rate + 2.5% 84 Months

Mortgage rates are subject to change. Please note that First Financial lends on properties in the State of New Mexico only.

Fixed Rate Mortgages — Effective as of 02/21/2017
Loan Term Base Rate Points
30 year 4.375% 0
30 year Quote upon request 1
30 year Quote upon request 2
15 year 3.750% 0
15 year Quote upon request 1
15 year Quote upon request 2
10 year 3.750% 0
10 year Quote upon request 1
10 year Quote upon request 2

Home Equity Loans* — Effective as of 02/21/2017
Type Base Rate Loan-to-value
Home Equity Line-of-Credit As low as 4.750% Up to 90% LTV
Fixed Rate 2nd Mortgage As low as 5.375% Up to 90% LTV

All rates and underwriting guidelines are subject to change. Additional rate increases may depend on the following: credit scores, cash out, occupancy, condition of credit and type of property. First Financial Credit Union sells mortgage loans on the Secondary Market. Loans that are not eligible to be sold may on occasion be held in portfolio. Lower rates are available by using points. Points are a percentage of the loan paid up front in closing costs, allowing for a rate “buy down”. First Financial Credit Union lends in the State of New Mexico. Loans up to 80% of the value of the property are available. If the loan to value exceeds 80% other fees may apply to include private mortgage insurance. Loans available up to $417,000.

Investment, rental or second home properties may be subject to additional fees please see your loan officer for details. These types of loans are available up to 75% of the value of the property.

1 Home equity lines of credit rates are variable rates determined by members credit score and loan to value. Terms vary depending on balance. Title insurance will be required on all 1st mortgage lines of credit. The fee may be rolled into the loan. A $35.00 annual fee applies on all home equity lines. Minimum $5,000 draw required. May be tax deductible, please consult your tax advisor. TERMS: DETERMINED BY BALANCE $5,000 – $10,000 – 5 YEARS; $10,001 – $25,000 – 10 YEARS; $25,000+ 15 YEARS. Fixed rate second mortgages are available. The rate is determined by credit score and loan to value. Call your loan officer for more details! ALL LOANS ARE SERVICED LOCALLY.


For information on Business Loans and Rates, please contact Dustin Holmberg at (505) 462-1073.

Rates will be based off the guarantors Risk Score, the decision will be based on minimum score required of 680 or better, and a Risk Model.

Tier Credit Score
Tier I 730 +
Tier II 680 – 729
# Quality
1 Highest
2 Superior
3 Excellent
4 Good
5 Acceptable
6 Min. Acceptable