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Colorful books in the form of a Christmas tree.Wishing You a Happy Holiday Season

Your Board of Directors, Supervisory Committee and staff wish you and your family the very best this holiday season.

Thank you for your membership and allowing us to be your financial partner for life!

Funny, smiling dog with glasses holding a book on a yellow background.Matching Dollars 4 Schools Returns

First Financial was founded by educators for educators over 90 years ago. Since that time, we have proudly championed the California educational community. Supporting schools, teachers and students has always been a key part of how we give back to the local communities we serve.

In the spirit of giving this holiday season, we are proud to announce the return of our Matching Dollars 4 Schools donation program. This is a great cause and further demonstrates our commitment to the educational community.

Now through December 31, 2024, every dollar donated, the credit union will match dollar-for-dollar. The more donations we receive, the more money our local schools will receive.


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Your donation may qualify for an income tax deduction in accordance with Federal and/or State income tax laws. Please consult your tax advisor to determine whether your donation is tax deductible in whole or in part. Nothing in this communication is intended to constitute legal or tax advice. The credit union will match up to $10,000.



Santa Claus holding money against defocused lights.
Put More “Jingle” in Your Savings with a High-Yield Share Certificate Today
Give yourself the gift of earning more for your money this holiday season. It’s a great way to boost your retirement, nest egg or rainy-day fund. Build your savings and your future with today’s high-yield Share Certificates before they are gone.


Lock-in today’s high-yields before they disappear.
 
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A minimum opening deposit is required. Early withdrawal penalties may apply.  Earnings may be reduced if fees are incurred. Other terms, conditions may apply. 


Winter abstract design of shopping cart, gift boxes, snowflakes, confetti glitter, and a Platinum Visa credit card.

Unwrap the Savings of a Fixed-Rate Platinum Visa

As you’re shopping for good deals this holiday season, you’ll want to have our low, fixed-rate Platinum Visa in your wallet. It’s really the best, and only, credit card you need and here’s why:

  • Fixed-Rate for Life – your rate will never increase
  • Free Balance Transfers1 – so you don’t pay more in monthly interest on outstanding variable-rate balances
  • Relationship Benefits – lower rates on auto loans2 and higher yields on select deposit accounts3
  • Purchases are Protected – 24/7 fraud protection with Visa’s Zero Liability Policy4
  • Digital Wallet Compatible – an added layer of safety and protection 
  • Free Card Management –
    • Turn cards on/off
    • Report cards lost/stolen
    • Set travel notifications
    • Request a replacement card

Give yourself the gift of a fixed-rate Platinum Visa today!

 

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All loans are subject to credit approval and all First Financial Credit Union policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Other terms and conditions subject to change without notice. 1Free balance transfers when completing a Platinum Visa Card Balance Transfer form through Online Banking (under “Card eServices”). Free balance transfers may also be used with convenience checks to pay other lenders only—otherwise you will incur a cash advance fee. Balance transfers are not valid for First Financial loans. 2Interest rate may not fall below floor rate inclusive of all discounts. Call for complete details. 3Other terms, conditions apply. 4Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify First Financial immediately of any unauthorized use. Contact First Financial for more detail.


A smartphone displaying a First Financial Visa debit card in a digital wallet
Your Visa Debit Card Makes Holiday Shopping Safe and Secure

Using your Visa Debit card will help make completing your holiday shopping to-do list a little faster and safer. Wherever you shop in-person or online, your purchases are protected from fraud with Visa’s Zero Liability Policy.* This also helps take the stress out of shopping and gives you peace-of-mind. You’ll also experience seamless and more secure checkout when you link your card to a digital wallet.


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All loans are subject to credit approval and all First Financial Credit Union policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Other terms and conditions subject to change without notice. *Subject to qualifying credit criteria.


New car with a bright red bow on the hood, parked in a driveway, symbolizing a recent purchase or gift.
Our Affordable Auto Loan Rates Will Keep More Money in Your Wallet

The holidays present an excellent opportunity to get a new (or new to you) car. Take advantage of our wallet-friendly competitive auto loan rates, same for new or pre-owned. You can ease into the new year by skipping your payment for up to the first 90 days.*

Our in-house auto-buying experts have your best interest at heart and when you pair that with their auto-buying knowledge, you can be sure you are getting the best possible loan rate and price on your next vehicle.

Check out our lower loan rates!


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All loans are subject to credit approval and all First Financial Credit Union policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Other terms and conditions subject to change without notice. *Subject to qualifying credit criteria.


Mother and daughter hugging in front of holiday background. Home Solutions for the Holidays

As you deck your halls for the holidays, it may leave you wishing for some updates or repairs. Your home’s equity can help fulfill that wish list, along with other major purchases.  We offer two money-saving solutions for your goals and needs:

  • Fixed-Rate Home Equity Loan (HELoan) – flexible terms and affordable payments. Plus, the interest on your loan may be tax deductible.*
  • Variable-Rate Home Equity Line of Credit (HELOC) – allows you to use your home's equity as collateral so you can fund a major project.

Learn More
 

All loans are subject to credit approval and First Financial Credit Union policies and procedures. Loan rates are based on creditworthiness, credit score, collateral criteria, a maximum Combined Loan-To-Value (CLTV) of 80%, and are subject to change without notice. Other restrictions may apply.  *Consult a tax advisor regarding the deductibility of interest.
Nominating Committee Seeks Volunteers

All members are cordially invited and welcome to attend the Annual Shareholders Meeting of The First Financial Federal Credit Union on April 30, 2025 at 5:00pm.

Eligible members interested in becoming candidates for election to the Board of Directors can obtain more information here. Completed forms must be received by the credit union no later than 5:00pm on January 17, 2025.  The Board of Directors has declared four (4) open Director Positions. Three open positions are each for a three-year term. They are: Position #1, Position #3 and Position #4. One open Position is for a one-year term: Position #7. Currently, the Nominating Committee anticipates one additional open position: Position #5. Applications will be accepted for Position #5 and the Nominating Committee will notify applicants if it is a valid opening.

Each candidate must:

  1. Be a first Financial member in good standing for the past two (2) years
  2. Have the ability to work effectively as a member of a close-knit management team
  3. Have experience or attributes that will contribute to the Board of Directors effectiveness
  4. Be at least 18 years of age
  5. Not employed by another financial institution
 

  REMINDER

 

Updated Face Covering and Social Distancing Notice.

     
Masks are strongly recommended but are not required for employees,
members or visitors.

    It's recommended to maintain physical distancing to the extent possible.

 


 Gold Happy Holidays Christmas calligraphy script with Evergreen tree background.
Mark Your Calendars
All First Financial branches and corporate offices will be closed in observance of the
following:
December 24       Christmas Eve 
December 25       Christmas Day
December 31       New Year's Eve
January 1, 2025      New Year's Day




TradewindsP
View our current eNewsletter, Tradewinds.

 

 

Give the Gift of Family Membership

Do you have family members who would benefit from membership with First Financial? Give them the gift of membership and they will gain access to responsible financial products, powerful digital tools and a team of knowledgeable representatives who can help your family members reach their financial goals. It’s the gift that keeps giving.
 

You Can Become Part of Your Credit Union

As a member/owner of First Financial, you have a voice in the direction of your credit union, including serving on its Board of Directors. You can begin this process by being a part of our Volunteer Program.

If you’d like more information, please click here.

You may also benefit from these great products:
Protect Your First Financial Cards
Protect yourself against fraudulent activity on your First Financial Platinum Visa Card or Debit Card
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Giving Back to the Community
We are committed to making a positive difference and building strong bonds with the communities we serve.
Learn More