Credit union · NCUA insured
First Financial Credit Union CD Rates
First Financial Credit Union’s best CD rate is 3.00% APY on a 3-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where First Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Financial Credit Union
3.00%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $927
Share Certificates
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
First Financial Credit Union CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo2.65%
- 9–15 months9–15 mo2.75%
- 16–30 months16–30 mo2.70%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Financial Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.00%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends paid monthly (rate) or annually and at maturity (APY) | 2.55% | $63 |
| 6 monthsDividends paid monthly (rate) or annually and at maturity (APY) | 2.65% | $132 |
| 12 monthsDividends paid monthly (rate) or annually and at maturity (APY) | 2.75% | $275 |
| 18 monthsDividends paid monthly (rate) or annually and at maturity (APY) | 2.70% | $408 |
| 24 monthsDividends paid monthly (rate) or annually and at maturity (APY) | 2.70% | $547 |
| 36 monthsDividends paid monthly (rate) or annually and at maturity (APY) | 3.00% | $927 |
| 60 monthsDividends paid monthly (rate) or annually and at maturity (APY) | 3.00% | $1,593 |
Relationship Share Certificate
Up to 2.85%APY · 3 terms
Must have an FFCU Checking Account and Online Banking to open and earn additional dividends. Qualifying relationship products/services under the same account number increase dividend yield up to a maximum of 4 electives (categories: active debit cards, credit cards, SuperSavers, IRAs, Auto Loans, and Real Estate Loans).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months+2 relationship products. Dividends paid annually and at maturity | 2.70% | $134 |
| 6 months+4 relationship products. Dividends paid annually and at maturity | 2.75% | $137 |
| 6 monthsBase rate tier (0 qualifying relationship products). Dividends paid annually and at maturity | 2.65% | $132 |
| 12 months+2 relationship products. Dividends paid annually and at maturity | 2.80% | $280 |
| 12 months+4 relationship products. Dividends paid annually and at maturity | 2.85% | $285 |
| 12 monthsBase rate tier (0 qualifying relationship products). Dividends paid annually and at maturity | 2.75% | $275 |
| 18 months+2 relationship products. Dividends paid annually and at maturity | 2.75% | $415 |
| 18 months+4 relationship products. Dividends paid annually and at maturity | 2.80% | $423 |
| 18 monthsBase rate tier (0 qualifying relationship products). Dividends paid annually and at maturity | 2.70% | $408 |
Aloha Share Certificate
Up to 2.75%APY · 3 terms
Must be opened with new money only (funds from non-First Financial sources/outside bank accounts) and require an active Checking account with Online Banking.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNew money only; active Checking account with Online Banking required. Dividends paid annually and at maturity | 2.65% | $132 |
| 12 monthsNew money only; active Checking account with Online Banking required. Dividends paid annually and at maturity | 2.75% | $275 |
| 18 monthsNew money only; active Checking account with Online Banking required. Dividends paid annually and at maturity | 2.70% | $408 |
Special-purpose accounts
IRA Certificates
Up to 3.00%APY · 7 terms
Includes Traditional, Roth, and Educational IRA Certificates. Subject to $25 annual maintenance fee and $25 IRA closure/transfer fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends paid monthly (rate) or annually and at maturity (APY) | 2.55% | $63 |
| 6 monthsDividends paid monthly (rate) or annually and at maturity (APY) | 2.65% | $132 |
| 12 monthsDividends paid monthly (rate) or annually and at maturity (APY) | 2.75% | $275 |
| 18 monthsDividends paid monthly (rate) or annually and at maturity (APY) | 2.70% | $408 |
| 24 monthsDividends paid monthly (rate) or annually and at maturity (APY) | 2.70% | $547 |
| 36 monthsDividends paid monthly (rate) or annually and at maturity (APY) | 3.00% | $927 |
| 60 monthsDividends paid monthly (rate) or annually and at maturity (APY) | 3.00% | $1,593 |
Promotional IRA Certificates
Up to 2.75%APY · 3 terms
New money only (funds from a non-First Financial account). For new IRA Certificates opened; not valid on current IRA certificates. Includes Roth and Educational IRA Certificates. Subject to $25 annual maintenance fee and $25 IRA closure/transfer fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsNew money only. Dividends paid annually and at maturity | 2.75% | $275 |
| 18 monthsNew money only. Dividends paid annually and at maturity | 2.70% | $408 |
| 24 monthsNew money only. Dividends paid annually and at maturity | 2.70% | $547 |
Who can join First Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of designated select employer groups and partner organizations are eligible for membership.
Military, government and schools
- Active and retired members of the Congress of Faculty Associations (CFA), members in good standing of CTA, or other organizations affiliated with CTA in California are eligible for membership.
- Employees of CTA, affiliated teacher organizations, or chapters of the CTA are eligible for membership.
- Active and retired members of the California Teachers Association (CTA), its subsidiaries, chapters, or affiliated teacher organizations are eligible for membership.
- Employees or members 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), or United Teachers Los Angeles (UTLA) are eligible for membership.
Family and household
- Immediate family members/relatives of existing members (including siblings, parents, grandparents, spouse, children, grandchildren, first or second cousin, aunt, uncle, stepparent, stepchild, and any adopted relationship) are eligible for membership.
Membership information collected October 5, 2026.