Begin saving for your future. Your credit union can help with these savings options. Download a copy of our CU Services Brochure.

Primary Savings

A Primary Savings Account is opened when you join the Credit Union. With a minimum deposit of only $5, you will own a “share” of First Financial Credit Union and become an owner/member!

Money Market Accounts

With just a $500 deposit and no minimum balance requirement, you can earn dividends on your savings and make up to six withdrawals per month. Pays one of five dividend rates, depending on your balance.

Term Share Certificates

Earn higher rates with a First Financial certificate. $1,000 deposit required, with terms from three months to 60 months. Higher rates for $25,000 or more.

Christmas/Vacation Club Accounts

Save and earn dividends throughout the year for the holiday season or your next vacation. Contribute up to $500/month to your Club account. Your funds are automatically transferred to either your savings or checking in November for the Christmas Club, May for Vacation Club (withdrawals made at other times are assessed a $5 withdrawal fee). Then, your Club account starts over for the next year.

Secondary Savings

Need a separate savings account? For example, you might want to save for something special, keeping the funds separate from your Primary Savings account. Open a Secondary Savings. You can even set up automatic transfers to it, or have part of your paycheck go directly to it.

Business Savings Account

Whether you want a low-cost dividend earning savings account, or an account that maximizes your earnings, First Financial has the account that fits your small business needs.

First Financial Kids Saving Club

Kirby Kids Saving Club is a fun way for kids under the age of 12 to learn important lessons about money. Once enrolled in this fun program, kids can earn rewards for saving money! As their savings grow, they collect credits which can be redeemed for many great prizes.

They get their own savings passbook to record deposits and withdrawals to help them learn how to manage their money. They also get access to the entertaining and educational Kirby Kangaroo Club Web site. Best of all, they’ll learn how to save for their goals and dreams!

Kirby Kids Saving Club offers a special savings account for young members, as well as a special 12-month certificate that can be opened with just $500 (our regular certificates require a minimum $1000 opening deposit).

DISCLOSURES: Limit of 10 tickets per year per Kirby Kid account. Kirby Kid bucks must be redeemed within 90 days after the account has been converted to a regular savings account.

Your credit union’s financial partner, CUE Financial Group1 offers financial consulting and investment services. CUE’s financial representatives can help you with more complicated financial needs such as retirement planning or achieving your personal financial goals. They also hold educational seminars through the credit union or at companies affiliated with the credit union.

CUE Financial Group offers a wide range of products and services. They do not represent one product provider; rather, they can help you choose from a variety of providers to find the one that best fits your needs, including:

  • Mutual funds
  • Annuities
  • Stocks
  • Bonds
  • Individual Retirement Accounts & Tax Sheltered Annuities
  • Insurance services (life, long-term care, etc.)


You can find financial advice anywhere: television, internet, books and magazines, not to mention, traditional sources like investment brokers and insurance agents. There are thousands of options available to you. BUT HOW DO YOU PUT IT ALL TOGETHER, AND IF YOU NEED HELP, WHO CAN YOU TRUST? CUE Financial has provided financial and investment services to credit union members for over 20 years. They are an independent firm with no sales quotas and without product bias. With CUE, your interests always come FIRST.


CUE helps members answer their most important financial questions and develop a plan to reach their goals. In a consultation they will spend time with you to really understand your objectives and provide you with the information you will need to make sound financial decisions. There is no cost or fee for a consultation and you are under no obligation to work with them in the future or purchase any product. CUE has no minimum account requirements and they are happy to meet with you at any of our convenient credit union branches. Additionally, they provide an ongoing service through regularly scheduled meetings to monitor your investments and review any changes that may affect your financial progress. This approach allows CUE to build a trusting relationship with our clients over time.


CUE is committed to providing you with the most up to date information and tools you need to accomplish your financial goals. It is also important to know that they are committed to helping you when you have questions or when times get rough. Sometimes their most valuable service is to help clients during difficult market environments. With this commitment and association with First Financial Credit Union, CUE can offer Advice You Can Trust.

Daniel Garton
2700 San Mateo Blvd., NE
Albuquerque, NM 87110
Phone: 505.462.1362 • 505.440.0476 • 505.462.1056
Fax: 505.884.1063

John Garton
601 Tijeras, NW
Albuquerque, NM 87102
Phone: 505.768.7155 • 800.342.8298 ext. 9155
Fax: 505.768.7123

Click here to visit the CUE Financial Website.

Helpful Articles

1Branch office of and securities offered through Securities America, Inc., Member FINRA & SIPC. Advisory Services Offered Through CUE Financial Group, Inc., a SEC Registered Investment Advisor. Insurance Products are Offered Through CUE Financial Group, Inc., a General Insurance Agency. CUE Financial Group, Inc., First Financial Credit Union and the Securities America companies are unaffiliated. Not a Deposit. Not NCUA Insured. No Credit Union Guarantees. May Lose Value. Not Insured by any Government Agency.

The deposit insurance limit on deposit accounts was increased to $250,000 (previously $100,000). Coverage provided by the National Credit Union Share Insurance Fund (NCUSIF) is included in this increase (see below for more information on NCUSIF).

The National Credit Union Administration (NCUA), a federal agency, manages the National Credit Union Share Insurance Fund (NCUSIF). Backed by the full faith and credit of the U.S. government, NCUSIF insures the accounts of millions of account holders in all federal credit unions and the majority of state-chartered credit unions, including First Financial CU. NCUSIF share insurance protects credit union members against losses if a federally insured credit union should fail. You can confidently conduct business with federally insured credit unions because no member has ever lost money insured by the NCUSIF.

Depending on how your accounts are owned or what types of accounts you have, you can increase the total insurance coverage on your funds to greater than $250,000. For an overview of how this insurance works, click here. For more detail information on your available coverage, see NCUA’s Your Insured Funds.

To estimate your total insurance coverage, visit NCUA’s Share Insurance Estimator. Or, contact the NCUA Consumer Assistance Center, operating from 6 am to 4:30 pm (MST) Monday through Friday. The call center has insurance experts available to answer questions about the coverage provided by NCUA share insurance. The toll-free number is 1-800-755-1030. Press extension 1 for insurance questions.