Credit union · NCUA insured
First Financial Credit Union Credit Card Rates
First Financial Credit Union credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How First Financial Credit Union’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where First Financial Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Financial Credit Union
11.90%APR
- Up to
- 18.00% APR
Visa Platinum Credit Card
Lowest rate
F&A Credit Union
6.90%APR
- Up to
- 14.50% APR
2nd-lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
First Financial Credit Union credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR11.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Financial Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum Credit Card
Must be and remain a member in good standing with First Financial Credit Union. Rate received depends on credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90%–18.00% | None | Fixed APR for purchases based on credit history. No annual fee. Global acceptance with no foreign transaction fee. |
| Ongoing | 11.90%–18.00% | None | Fixed APR for balance transfers based on credit history. Free balance transfers when completing a Platinum Visa Card Balance Transfer form through Online Banking (under Card eServices) or with convenience checks to pay other lenders only; otherwise a cash advance fee applies. Not valid for First Financial loans. |
| Ongoing | 15.90%–18.00% | None | Fixed APR for cash advances based on credit history. Cash advance fee is 5.00% per transaction with a minimum of $5.00. Cost information in disclosure accurate as of February 1, 2026. |
Sources (4)
All captured Oct 16, 2026
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This may be incomplete or out of date, so check with the credit union before you apply.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.