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
  • 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 6.90% to 19.90% based on creditworthiness
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Low balance transfer fee
  • No foreign transaction fee
  • Verified by Visa® Protection
Rates & Fees
  • 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
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First Financial Credit Union Visa® Platinum Rewards Card

First Financial Credit Union Visa® Platinum Rewards Card
  • 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 9.90% to 21.90% based on creditworthiness
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Earn 1 rewards point for every $1 spent
  • Low fee on balance transfers
  • No foreign transaction fee
Rates & Fees
  • 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
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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, 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

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:

What is the routing number for First Financial Credit Union?

  • First Financial’s routing number is 307083694

What is Kasasa?

  • 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.

Where does First Financial Credit Union have branches?

  • First Financial Credit Union has branches in 10 towns and cities in New Mexico. Offices can be found in locations including Albuquerque, Las Cruces, Pine Hill, and Gallup, NM.

What’s the customer service number for First Financial?

  • Customer service representatives can be reached at (505) 766-5600 or (800) 342-8298.