First Financial Credit Union
Verified rate book
Current First Financial Credit Union rates
35 published offers verified as of August 4, 2026.
Mortgage rates
14 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.500% APR | 6.500% | — | Standard |
| 15-Year Fixed15 year fixed | 5.750% APR | 5.750% | — | Standard |
| 10-Year Fixed10 year fixed | 5.625% APR | 5.625% | — | Standard |
| 20-Year Fixed20 year fixed | 6.000% APR | 6.000% | — | Standard |
| 10-Year Fixed, Land10 year fixed | 7.476% APR | 6.990% | — | Standard |
| APR* (AS LOW AS) (No Closing Costs First Mortgage 80%LTV/Balloon)other | 6.240% APR | 6.240% | — | Standard |
| No Closing Costs First Mortgage 80%LTV/Balloonother | 6.240% APR | 6.240% | — | Standard |
| Lot Loan- 20/5YR Balloon Variableother | 6.820% APR | 6.240% | — | Standard |
| Lot Loan- 10 Year Variableother | 7.008% APR | 6.490% | — | Standard |
| Lot Loan- 30/5YR Balloon Variableother | 7.052% APR | 6.490% | — | Standard |
| Lot Loan- 20/5YR Balloon Fixedother | 7.280% APR | 6.740% | — | Standard |
| Lot Loan- 30/5YR Balloon Fixedother | 7.476% APR | 6.990% | — | Standard |
| Home Construction - Contractor Builtother | 10.190% APR | 6.240% | — | Standard |
| Home Construction- Self Builtother | 11.762% APR | 6.240% | — | Standard |
Auto & vehicle rates
10 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| APR* (AS LOW AS) (Auto Loan)auto_any_60mo | 4.990% APR | 4.990% | 60 mo | Standard |
| APR* (AS LOW AS) (Auto Loan)auto_any_72mo | 5.240% APR | 5.240% | 72 mo | Standard |
| APR* (AS LOW AS) (Auto Loan - Declining Rate Auto)auto_any_60mo | 5.240% APR | 5.240% | 60 mo | Standard |
| APR* (AS LOW AS) (Auto Loan)auto_any_84mo | 5.990% APR | 5.990% | 84 mo | Standard |
| NEW/USED BOATboat_any_180mo | 7.740% APR | 7.740% | 180 mo · any | Standard |
| APR* (AS LOW AS) (Auto Loan - (Minimum Loan Amount of $30,000 Required))auto_any_96mo | 7.740% APR | 7.740% | 96 mo | Standard |
| ATV / SMALL WATERCRAFT / SNOWMOBILEpowersports_any_84mo | 7.890% APR | 7.890% | 84 mo | Standard |
| MOTORCYCLE - (Minimum Loan Amount of $20,000 Required)motorcycle_any_120mo | 7.890% APR | 7.890% | 120 mo | Standard |
| 84-Month Motorcycle Loanmotorcycle_any_84mo | 7.890% APR | 7.890% | 84 mo | Standard |
| MOTORCYCLE - (Minimum Loan Amount of $25,000 Required)motorcycle_any_180mo | 8.140% APR | 8.140% | 180 mo | Standard |
HELOC rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| No Closing Costs Fixed For 5 HELOC 50% LTVheloc_fixed | 6.490% APR | 6.490% | — | Standard |
| No Closing Costs Fixed For 5 HELOC 80% LTVheloc_fixed | 6.740% APR | 6.740% | — | Standard |
| No Closing Costs Home Equity Loan 50% LTVheloc_fixed | 6.890% APR | 6.890% | — | Standard |
| No Closing Costs Home Equity Line 50% LTVheloc | 7.240% APR | 7.240% | — | Standard |
| No Closing Costs Home Equity Line 80% LTVheloc | 7.490% APR | 7.490% | — | Standard |
| No Closing Costs Home Equity Loan 80% LTV Balloonheloc_fixed | 8.240% APR | 8.240% | — | Standard |
| Home Equity Line 100% LTVheloc | 12.240% APR | 12.240% | — | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Personal Line of Creditploc_variable | 3.050% APR | 3.050% | — | Standard |
| 120-Month Share-Secured Loanpersonal_secured_120mo | 3.050% APR | 3.050% | 120 mo | Standard |
| 12-Month Personal Loanpersonal_unsecured_12mo | 12.490% APR | 12.490% | 12 mo | Standard |
| Personal Line of Creditploc_variable | 16.490% APR | 16.490% | — | Standard |
As of August 4, 2026, First Financial Credit Union offers a 30-year fixed mortgage at 6.5% APR (0.375 points). Vehicle loans available from 4.99% APR for 60 months. HELOC rates from 6.49% APR. Personal loan rates from 3.05% APR.
Source: RateAPI.dev, verified from First Financial Credit Union's official website
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About First Financial Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 99.4K
- Assets
- $1.1B
- Founded
- 1937
- Locations reported
- 20
- NCUA charter
- 68244
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Bilingual services
- Student scholarships
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join First Financial Credit Union
Membership eligibility from First Financial Credit Union's own published criteria. How we verify this.
Membership criteria are published on First Financial Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from First Financial Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does First Financial Credit Union offer?
First Financial Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are First Financial Credit Union rates updated?
RateAPI verifies First Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get First Financial Credit Union's rate data?
Rate data is collected directly from First Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is First Financial Credit Union's mortgage rate?
As of August 4, 2026, First Financial Credit Union offers a 30-year fixed mortgage at 6.5% APR.
What are First Financial Credit Union's auto, boat, motorcycle & powersports loan rates?
As of August 4, 2026, First Financial Credit Union offers vehicle loans from 4.99% APR.
What is First Financial Credit Union's HELOC rate?
As of August 4, 2026, First Financial Credit Union offers home equity lines of credit from 6.49% APR.
What is First Financial Credit Union's personal loan rate?
As of August 4, 2026, First Financial Credit Union offers personal loans from 3.05% APR.
Related Rate Data
Compare First Financial Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for First Financial Credit Union
curl "https://api.rateapi.dev/credit-unions/new-mexico/first-financial" \
-H "Authorization: Bearer YOUR_API_KEY"