First Financial Credit Union Credit Cards

First Financial Credit Union is based out of New Mexico. It was founded in 1937 by members of the local telephone company. Since the 1980s, the credit union has expanded to offer service to a wider range of customers. Currently, membership is only open to people who live or work in the State of New Mexico. Members have access to competitive rates and personal, caring service.

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First Financial Credit Union Visa® Gold Preferred Card

First Financial Credit Union Visa® Gold Preferred Card
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BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Good / Fair
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None Annual Fee

First Financial Credit Union Visa® Gold Preferred Card

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  • 6.90% to 19.90% based on creditworthiness Regular Purchase APR
  • 6.90% to 19.90% based on creditworthiness Balance Transfer APR
  • 6.90% to 19.90% based on creditworthiness Cash Advance APR

At a Glance

The First Financial Credit Union Visa® Gold Preferred Card is this the more basic of the two credit card options that this financial institution offers. Its major perks include no annual fee and a low introductory APR for balance transfers. Cardholders can also take advantage of low interest rates for purchases and no fees for foreign transactions. Keep reading to learn more about the details of this credit card.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Low balance transfer fee
  • No foreign transaction fee
  • Verified by Visa® Protection
  • Regular Purchase APR: 6.90% to 19.90% based on creditworthiness
  • Balance Transfer APR: 6.90% to 19.90% based on creditworthiness
  • Balance Transfer Transaction Fee: Either $5 or 2% of the amount of each balance transfer, whichever is greater
  • Cash Advance APR: 6.90% to 19.90% based on creditworthiness
  • Cash Advance Transaction Fee: Either $2 or 2% of the amount of each cash advance, whichever is greater
  • Penalty APR: 25%
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
  • You don’t want to pay an annual fee
  • You want a credit card with a low APR
  • You want an even lower APR when they transfer a balance
  • You don’t want to pay foreign transaction fees
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First Financial Credit Union Visa® Platinum Rewards Card

First Financial Credit Union Visa® Platinum Rewards Card
Visit Card Site Terms & Conditions
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Good / Fair
Visa Processing Network
None Annual Fee

First Financial Credit Union Visa® Platinum Rewards Card

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  • 9.90% to 21.90% based on creditworthiness Regular Purchase APR
  • 9.90% to 21.90% based on creditworthiness Balance Transfer APR
  • 9.90% to 21.90% based on creditworthiness Cash Advance APR

At a Glance

The Visa® Platinum Rewards Card from First Financial Credit Union is a basic rewards card that offers cardholders a few added benefits. There is no annual fee for this card, and cardholders earn rewards through access to the Scorecard Reward program. This card also offers a reduced APR on balance transfers for six months. Keep reading to learn more about this card.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 1 rewards point for every $1 spent
  • Low fee on balance transfers
  • No foreign transaction fee
  • Regular Purchase APR: 9.90% to 21.90% based on creditworthiness
  • Balance Transfer APR: 9.90% to 21.90% based on creditworthiness
  • Balance Transfer Transaction Fee: Either $5 or 2% of the amount of each balance transfer, whichever is greater
  • Cash Advance APR: 9.90% to 21.90% based on creditworthiness
  • Cash Advance Transaction Fee: Either $2 or 2% of the amount of each cash advance, whichever is greater
  • Penalty APR: 25%
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
  • You don’t want to pay an annual fee
  • You want to earn rewards points on your qualifying purchases
  • You want a low APR for balance transfers
  • You don’t want to pay foreign transaction fees
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About First Financial Credit Union

First Financial Credit Union is a New Mexico state-chartered credit union with its headquarters in Albuquerque.

The credit union was founded in 1937 by ten employees of the local Bell Systems telephone company. For more than 60 years, the credit union served as the financial institution for Bell employees in the state. That changed in the 1980s, however, with the breakup of the Bell Systems monopoly.

To help avoid the economic impact of the breakup of Bell Systems, First Financial Credit Union sought to offer membership to a broader array of businesses and individuals. Today, over 200 companies are eligible for First Financial membership.

First Financial wins many awards for their community involvement and customer service, including a Best-in-State credit union award from Forbes, and a family-friendly award from FamilyFriendlyNM.com.

Who Can Join First Financial Credit Union?

According to First Financial’s own website, joining the credit union is easy. If you live or work in New Mexico, you can join First Financial Credit Union. Simply fill out an online application form or visit one of the credit union’s branches and apply in person.

Applicants will need the following to join:

  • A copy of their current government-issued ID (passport, driver’s license, ID card, etc.)
  • An initial $5 deposit to fund a primary savings account

Branch Locations

First Financial Credit Union currently operates 16 branches in New Mexico. For a complete list of branch locations, including directions, operational hours, and contact numbers, please visit the credit union’s dedicated location page.

FAQs About First Financial Credit Union

Here are answers to common questions about First Financial Credit Union, its credit cards, and banking products:

  • First Financial’s routing number is 307083694
  • Kasasa is a banking program that looks to provide big town benefits with a small banking feel. The program offers ATM fee refunds, rewards, exceptional customer service, and excellent rates on loans, checking accounts, savings accounts, and more.

  • First Financial Credit Union currently operates 16 branches in New Mexico, at the following locations:

    • Albuquerque, NM
      • 10400 Academy Rd NE Suite 150
      • 6100 Coors Blvd NW Suite J
      • 601 Tijeras NW (Main headquarters)
      • 831 Juan Tabo NE Suite A
      • 2700 San Mateo NE
      • 1625 Rio Bravo Blvd SW Suite 6
    • Deming, NM
      • 801 E. Cedar St
    • Farmington, NM
      • 4919 E Main St Suite 103
    • Gallup, NM
      • 307 W Aztec Ave
      • 1383 N Hwy 491
    • Las Cruces, NM
      • 901 E. University Ave Suite Q
    • Pine Hill, NM
      • 12 miles S of Hwy 53 (Inside the Pine Hill Market)
    • Portales, NM
      • 700 W 2nd
    • Rio Rancho, NM
      • 2201 Rio Rancho Blvd SE
    • Silver City, NM
      • 2290 Superior St
    • Zuni, NM
      • 1230 Hwy 53
  • Customer service representatives can be reached at (505) 766-5600 or (800) 342-8298.

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