Skip to content

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 10/19/2018. Fees may reduce earnings.

{beginAccordion}

Kasasa Cash*

Learn More
Balance Minimum to Open Rate APY
0 - $7,500 $0 2.03% 2.05%
$7,500+ $0 0.30% 0.30%
All balances if qualifications not met $0 0.05% 0.05%

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month.

Savings Accounts

Account Minimum to Earn Dividends Rate APY
Primary Savings $5 & Over 0.25% 0.25%
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%
IRA Savings All balances 0.35% 0.35%
IDA Savings Account All balances 0.60% 0.60%

Money Market Account

Learn More
Balance Minimum to Open Rate APY
$25 - $2,499 $500 0.25% 0.25%
$2,500 - $9,999 $500 0.25% 0.25%
$10,000 - $24,999 $500 0.25% 0.25%
$25,000 - $49,999 $500 0.35% 0.35%
$50,000 - $99,999 $500 0.45% 0.45%
$100,000+ $500 0.50% 0.50%

 

Term Share Certificates (TSC)

Learn More
Term Minimum to Open Rate APY
3 Months $1,000 0.50% 0.50%
6 Months $1,000 0.75% 0.75%
12 Months $1,000 1.30% 1.31%
18 Months $1,000 1.35% 1.36%
24 Months $1,000 1.60% 1.61%
30 Months $1,000 1.60% 1.61%
36 Months $1,000 1.60% 1.61%
48 Months $1,000 1.70% 1.71%
60 Months $1,000 2.00% 2.02%

 

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

Term Share/IRA Jumbo Certificates

Learn More
Term Balance Rate APY
3 Months $25,000 0.60% 0.60%
6 Months $25,000 0.85% 0.85%
12 Months $25,000 1.40% 1.41%
18 Months $25,000 1.45% 1.46%
24 Months $25,000 1.70% 1.71%
30 Months $25,000 1.70% 1.71%
36 Months $25,000 1.70% 1.71%
48 Months $25,000 1.80% 1.81%
60 Months $25,000 2.10% 2.12%

 

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

1st Certificates

Term Minimum Opening Deposit Rate APY
3 Month $250 0.50% 0.50%
6 Month $250 0.75% 0.75%
12 Month $250 1.30% 1.31%
18 Month $250 1.35% 1.36%
24 Month $250 1.60% 1.61%
30 Month $250 1.60% 1.61%
36 Month $250 1.60% 1.61%
48 Month $250 1.70% 1.71%
60 Month $250 2.00% 2.02%

 

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.

Kirby Kid Certificates

Term Minimum to Open Rate APY
3 Month $500 0.50% 0.50%
6 Month $500 0.75% 0.75%
12 Month $500 1.30% 1.31%
18 Month $500 1.35% 1.36%
24 Month $500 1.60% 1.61%
30 Month $500 1.60% 1.61%
36 Month $500 1.60% 1.61%
48 Month $500 1.70% 1.71%
60 Month $500 2.00% 2.02%

 

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

IRA CERTIFICATES

Learn More
Term Minimum to Open Rate APY
3 months $500 0.50% 0.50%
6 months $500 0.75% 0.75%
12 months $500 1.30% 1.31%
18 months $500 1.35% 1.36%
24 months $500 1.60% 1.61%
30 months $500 1.60% 1.61%
36 months $500 1.60% 1.61%
48 months $500 1.70% 1.71%
60 months $500 2.00% 2.02%

 

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

Credit Cards

Card Type Interest Rate
Visa Platinum Rewards As low as 9.9%
Visa Gold As low as 6.9%

All rates given in ANNUAL PERCENTAGE RATE. Depending 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.

New & Used Vehicles (up to 4 years old)

Learn More
Maximum Term APR Approximate Monthly Payment
36 months As low as 2.49% $577.14
48 months As low as 3.39% $446.14
60 months As low as 3.59% $364.64
66 months As low as 3.69% $335.28
75 months As low as 3.79% $299.91
84 months ($25,000 minimum) As low as 4.29% $345.07

 

Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history.

Maximum terms available to qualified borrowers.

Approximate monthly loan payment estimates based on a $20,000 auto loan.

Used Vehicles (5 years & older)

Maximum Term APR Approximate Monthly Payment
36 months As low as 3.49% $585.96
37 - 48 months As low as 3.79% $449.72
49 - 60 months As low as 3.99% $368.25
61 - 66 months As low as 4.49% $342.57

Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history.

Maximum terms available to qualified borrowers.

Approximate monthly loan payment estimates based on a $20,000 auto loan.

Other Vehicles

Loan Maximum Term APR Approximate Monthly Payment
First Time Auto Buyer 72 months, $20,000 max As low as 15.49% $422.97
New Motorcycles 72 months As low as 5.99% $331.43
Used Motorcycles 60 months As low as 7.99% $405.52
New Titled Recreational Vehicles Up to 144 months, depending on amount As low as 6.49% $751.27
Used Titled Recreational Vehicles Up to 144 months, depending on amount As low as 6.99% $771.13
New Boats Up to 144 months, depending on amount As low as 7.49% $791.28
Used Boats Up to 120 months, depending on amount As low as 7.74% $899.96

Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history.

Maximum terms available to qualified borrowers.

Approximate monthly loan payment estimates based on a $20,000 auto loan, and $75,000 RV and Boat loan.

Personal Loans

Learn More
Loan Type Maximum Term APR
Personal Loans 48 months As low as 10.49%
Line of Credit 36 months As low as 13.25%
Miscellaneous Collateral 60 months As low as 10.25%
Share Secured 84 months 5.90%
Certificate Secured1 84 months CD rate + 2.5%

Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history.

Maximum terms available to qualified borrowers.

1 Variable rate.

Fixed Rates Mortgage

Learn More
Loan Term Base Rate Points
30 year 5.375% 0
30 year Quote upon request 1
30 year Quote upon request 2
15 year 5.125% 0
15 year Quote upon request 1
15 year Quote upon request 2
10 year 5.125% 0
10 year Quote upon request 1
10 year Quote upon request 2

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

Home Equity Loans

Learn More
Type Base Rate Loan-to-value
Home Equity Line-of-Credit As low as 6.250% Up to 90% LTV
Fixed Rate 2nd Mortgage

As low as 6.375%

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 $424,100.

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.

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.

Business Loans

Learn More
Tier Credit Score
Tier I 730 +
Tier II 680 – 729

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.

{endAccordion}

Find out what's happening here

News & Events