Credit union · NCUA insured
First Financial Credit Union CD Rates
Top CarrotFirst Financial Credit Union’s best CD rate is 3.40% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Albuquerque, NM, where First Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Financial Credit Union
3.30%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $330
Term Share Certificates (TSC)
Top rate
Del Norte Credit Union
5.18%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $562
2nd-highest rate
Kirtland Credit Union
5.12%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $778
First Financial Credit Union CD score
70
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo3.04%
- QualifiedQualified3.30%
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.
Term Share Jumbo Certificates
Up to 3.40%APY · 9 terms
Requires a minimum balance of $25,000. May be tax deductible; consult tax advisor.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.14% | — |
| 6 months | 3.14% | — |
| 12 months | 3.40% | — |
| 18 months | 3.30% | — |
| 24 months | 3.30% | — |
| 30 months | 3.09% | — |
| 36 months | 3.09% | — |
| 48 months | 3.14% | — |
| 60 months | 3.14% | — |
Sources (1)
- ffnm.org/services-tools/tools/rates.html · captured Sep 16, 2026
Term Share Certificates (TSC)
Up to 3.30%APY · 9 terms
Available from 3 months to 5 years. No setup or maintenance fees. Substantial penalty for early withdrawal of principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSubstantial penalty for early withdrawal of principal | 3.04% | $75 |
| 6 monthsSubstantial penalty for early withdrawal of principal | 3.04% | $151 |
| 12 monthsSubstantial penalty for early withdrawal of principal | 3.30% | $330 |
| 18 monthsSubstantial penalty for early withdrawal of principal | 3.20% | $484 |
| 24 monthsSubstantial penalty for early withdrawal of principal | 3.20% | $650 |
| 30 monthsSubstantial penalty for early withdrawal of principal | 2.99% | $764 |
| 36 monthsSubstantial penalty for early withdrawal of principal | 2.99% | $924 |
| 48 monthsSubstantial penalty for early withdrawal of principal | 3.04% | $1,273 |
| 60 monthsSubstantial penalty for early withdrawal of principal | 3.04% | $1,615 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA Jumbo Certificates
Up to 3.40%APY · 9 terms
Requires a minimum balance of $25,000. May be tax deductible; consult tax advisor.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMay be tax deductible, please consult your tax advisor | 3.14% | — |
| 6 monthsMay be tax deductible, please consult your tax advisor | 3.14% | — |
| 12 monthsMay be tax deductible, please consult your tax advisor | 3.40% | — |
| 18 monthsMay be tax deductible, please consult your tax advisor | 3.30% | — |
| 24 monthsMay be tax deductible, please consult your tax advisor | 3.30% | — |
| 30 monthsMay be tax deductible, please consult your tax advisor | 3.09% | — |
| 36 monthsMay be tax deductible, please consult your tax advisor | 3.09% | — |
| 48 monthsMay be tax deductible, please consult your tax advisor | 3.14% | — |
| 60 monthsMay be tax deductible, please consult your tax advisor | 3.14% | — |
Sources (1)
- ffnm.org/services-tools/tools/rates.html · captured Sep 16, 2026
1st Certificates
Up to 3.30%APY · 9 terms
Available to members ages 13 through 24. Substantial penalty for early withdrawal of principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAvailable to members ages 13 through 24. Substantial penalty for early withdrawal of principal | 3.04% | $75 |
| 6 monthsAvailable to members ages 13 through 24. Substantial penalty for early withdrawal of principal | 3.04% | $151 |
| 12 monthsAvailable to members ages 13 through 24. Substantial penalty for early withdrawal of principal | 3.30% | $330 |
| 18 monthsAvailable to members ages 13 through 24. Substantial penalty for early withdrawal of principal | 3.20% | $484 |
| 24 monthsAvailable to members ages 13 through 24. Substantial penalty for early withdrawal of principal | 3.20% | $650 |
| 30 monthsAvailable to members ages 13 through 24. Substantial penalty for early withdrawal of principal | 2.99% | $764 |
| 36 monthsAvailable to members ages 13 through 24. Substantial penalty for early withdrawal of principal | 2.99% | $924 |
| 48 monthsAvailable to members ages 13 through 24. Substantial penalty for early withdrawal of principal | 3.04% | $1,273 |
| 60 monthsAvailable to members ages 13 through 24. Substantial penalty for early withdrawal of principal | 3.04% | $1,615 |
Sources (1)
- ffnm.org/services-tools/tools/rates.html · captured Sep 16, 2026
IRA Certificates
Up to 3.30%APY · 9 terms
Traditional and Roth IRA options available. No setup fees and no monthly or annual maintenance fees. May be tax deductible; consult tax advisor.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMay be tax deductible, please consult your tax advisor | 3.04% | $75 |
| 6 monthsMay be tax deductible, please consult your tax advisor | 3.04% | $151 |
| 12 monthsMay be tax deductible, please consult your tax advisor | 3.30% | $330 |
| 18 monthsMay be tax deductible, please consult your tax advisor | 3.20% | $484 |
| 24 monthsMay be tax deductible, please consult your tax advisor | 3.20% | $650 |
| 30 monthsMay be tax deductible, please consult your tax advisor | 2.99% | $764 |
| 36 monthsMay be tax deductible, please consult your tax advisor | 2.99% | $924 |
| 48 monthsMay be tax deductible, please consult your tax advisor | 3.04% | $1,273 |
| 60 monthsMay be tax deductible, please consult your tax advisor | 3.04% | $1,615 |
Sources (2)
All captured Sep 16, 2026
Kirby Kid Certificates
Up to 3.30%APY · 9 terms
Available to members enrolled in the Kirby Kids program (ages 12 & under). Substantial penalty for early withdrawal of principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAvailable to members enrolled in the Kirby Kids program (ages 12 & under). Substantial penalty for early withdrawal of principal | 3.04% | $75 |
| 6 monthsAvailable to members enrolled in the Kirby Kids program (ages 12 & under). Substantial penalty for early withdrawal of principal | 3.04% | $151 |
| 12 monthsAvailable to members enrolled in the Kirby Kids program (ages 12 & under). Substantial penalty for early withdrawal of principal | 3.30% | $330 |
| 18 monthsAvailable to members enrolled in the Kirby Kids program (ages 12 & under). Substantial penalty for early withdrawal of principal | 3.20% | $484 |
| 24 monthsAvailable to members enrolled in the Kirby Kids program (ages 12 & under). Substantial penalty for early withdrawal of principal | 3.20% | $650 |
| 30 monthsAvailable to members enrolled in the Kirby Kids program (ages 12 & under). Substantial penalty for early withdrawal of principal | 2.99% | $764 |
| 36 monthsAvailable to members enrolled in the Kirby Kids program (ages 12 & under). Substantial penalty for early withdrawal of principal | 2.99% | $924 |
| 48 monthsAvailable to members enrolled in the Kirby Kids program (ages 12 & under). Substantial penalty for early withdrawal of principal | 3.04% | $1,273 |
| 60 monthsAvailable to members enrolled in the Kirby Kids program (ages 12 & under). Substantial penalty for early withdrawal of principal | 3.04% | $1,615 |
Sources (1)
- ffnm.org/services-tools/tools/rates.html · captured Sep 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.
Where you live or work
- Individuals who live or work in New Mexico are eligible for membership.
Membership information collected October 4, 2026.