First Financial Federal Credit Union


1600 W Cameron Ave
West Covina, CA 91790
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Notable Rates APY Vs.Others
Savings N.A. 3.50% →
1-Year CD N.A. 3.70% →
2-Year CD N.A. 3.80% →
5-Year CD N.A. 4.25% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

First Financial is an NCUA insured institution located in West Covina, CA. It was founded in 1974 and has approximately $493.24 millions in assets.

Who can join?

Eligibility Qualifications To Join FFCU

Active and retired members of the California Teachers Association (CTA), its subsidiaries, chapters or affiliated teacher organizations.
Employees of CTA, affiliated teacher organizations or chapters of the CTA. Active and retired members of the Congress of Faculty Associations (CFA), members in good standing of CTA or other organizations affiliated with CTA in the state of California.

Members or employees of:
• Association of California School Administrators (ACSA)
• California College Association (CCA)
• California Retired Teachers Association (CRTA)
• California School Employees Association (CSEA)
• California Teachers Association (CTA)
• United Teachers Los Angeles (UTLA)

Employees of the following groups:
• Adair Office Furniture
• B&T Counters
• BBC Insurance Agency
• Benefit Administrative Services (BAS Inc.)
• Benefit Technologies
• BNS Technical Institute
• California Casualty
• California Heritage Financial
• Cerritos Chamber of Commerce
• Child Care Resource Center
• Central Medical Center
• Community Christian Preschool
• Community College Association
• Community Hospice Care
• Community Rehabilitation Training Center
• Connections for Children Core, Inc.
• Crown Bolt
• DMS Ad Marketing Group
• Don Bosco Technical Institute who work in Rosemead, CA
• Don Bosco Technical Institute Alumni Association in Rosemead, CA
• East Valley Health Center
• Ed Comm, Inc.
• Educational Support Personnel
• Employees of California School Employees Association
• Enersource Engineering, Inc.
• Extended Care Hospital-Riverside
• Fact-Villa
• Frank D. Lanterman Regional Center
• Gardens Foodmaker, Inc.
• Green Foods, Inc.
• GATX, Inc.
• Helicon Youth Center
• Horace Mann Life Insurance Company
• Image One (formerly Hair Club For Men)
• ITT Technical Institute
• Juvenito N. Lopez, M.D.
• Keystone Communications Corp.
• Lawrence J. Zisper, RPT
• Learning Tree University from Thousand Oaks or Chatsworth, CA
• Lereta Lexi International Inc.
• Logzon School Corporation
• Macro Educational Systems
• Mark I. Tiarra, DDS
• Maximum Security
• Mid Valley School
• New Life Community Church
• Norman Reeves Coastal Acura
• Norman Reeves Honda Superstore
• Now Medical Services
• Nutri-Metrics
• Pioneer Chlor Alkali, Inc.
• Planmember Services
• Platt College
• Private Industry Council of Southeast L.A. County, Inc.
• Provident Life Ricardo Beverly Hills, Inc.
• QST Travel
• Saint Margaret’s School who work in San Juan Capistrano, CA
• Santa Ana Tustin Physical Therapy
• Social Model Recovery Systems, Inc.
• South Hills Country Club
• Spectrum Communications
• Staff Control, Inc.
• Structural Composites (SCI)
• The Groves Homeowners
• Three Valleys Municipal Water District
• Tiffany Coachworks
• TRC., Inc.
• TSA (Trans-Sea-Air)
• UTLA Employees
• UTLA Members
• Village Christian Preschool
• Vitas Health Care Corporation of America
• Weichelman & Associates
• West Colony Community Association
• YWCA of Greater Los Angeles

NCUA Insured Yes / Federally Chartered
Charter Number # # 68404
Date Established 1974
Assets $493.24 million
Loans $415.19 million
Deposits $426.01 million
Capital $36.83 million

Field of Membership Restrictions

Membership in First Financial Credit Union is open to active and retired members of the California Teachers Association (CTA) and its subsidiaries, as well as employees of CTA; members of six California education associations; and (2) employees of Spectrum Communications, Three Valleys Municipal Water District, and over 70 area Select Employer Groups.

Deposit Rates - October 1, 2022

Your Current Location: California, CA 92111

We do not yet have rates for First Financial

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Advertiser Disclosure

Loan Rates - October 1, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for FIRST FINANCIAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 413-0477
6.477% 6.375% 0.63 $2,678 $1,560 Learn More
NMLS ID: 1907
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
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Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
5.740 %
After Intro: 7.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

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Below are First Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

First Financial Locations

Climate Initiatives

FIRST FINANCIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

First Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
First Financial U.S. Average
3.02% 4.75

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2022, First Financial had $1,062,839 in non-current loans and $110,151 in owned assets. To cover these potential losses it had $36,825,593 in net worth and $2,006,106 in loans loss reserves. That gives it a Texas Ratio of 3.02%.

Net Worth
First Financial U.S. Average
8.54% 12.28%

First Financial FCU has a net worth of 8.54% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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