Credit union · NCUA insured
First Financial Credit Union Savings Rates
Top CarrotFirst Financial Credit Union’s best savings rate is 1.76% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How First Financial Credit Union’s savings 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
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Kasasa Saver
Top rate
Citizens Bank of Las Cruces
5.12%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $512
2nd-highest rate
America First Credit Union
3.95%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $395
First Financial Credit Union savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0001.51%
- $10,000 balance$10,0001.76%
- $100,000 balance$100,0002.02%
- 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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Kasasa Saver
Up to 3.00%APY
Pairs with Kasasa Cash or Kasasa Cash Back checking account to auto-transfer rewards. No monthly maintenance fee. Requires qualifying monthly activities (at least 12 debit card purchases of $5.01 or more, e-statements, online/mobile banking login).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000When monthly qualifications are met on linked Kasasa Cash or Kasasa Cash Back checking account. | 3.00% | $300 | When monthly qualifications are met on linked Kasasa Cash or Kasasa Cash Back checking account. |
| Any balanceApplies to all balances if monthly qualifications are not met on linked Kasasa checking account. | 0.05% | $5 | Applies to all balances if monthly qualifications are not met on linked Kasasa checking account. |
Money Market Account
1.76%APY
Tiered rates where higher balances earn higher rates. Minimum deposit of $500 to open. No monthly service fee and no minimum balance requirement to maintain the account. Enhanced access includes direct check writing (up to 6 transactions per month by check, pre-authorized automatic, or telephone drafts) and unlimited in-person or mail withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25 | 0.30% | — |
| Up to $2,500 | 1.51% | — |
| $2,500 – $10,000 | 1.76% | — |
| $10,000 – $25,000 | 1.76% | $176 |
| $25,000 – $50,000 | 1.76% | — |
| $50,000 – $100,000 | 2.02% | — |
| $100,000 – $250,000 | 2.02% | — |
| $250,000 and up | 2.27% | — |
Sources (3)
- ffnm.org/accounts/personal-savings
- ffnm.org/accounts/personal-sav…oney-market-account.html
- ffnm.org/services-tools/tools/rates.html
All captured Sep 16, 2026
IDA Savings Account
0.70%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns dividends on all balances.Any balance | 0.70% | $70 | Earns dividends on all balances. |
Sources (2)
All captured Sep 16, 2026
Primary Savings
0.35%APY
Establishes membership with First Financial Credit Union. $5 minimum balance required of all members ($2/monthly fee if balance falls below $5). No monthly service fee if minimum balance is maintained.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance of $5 or more to earn dividends. $2 monthly fee applies if balance falls below $5.$5 and up | 0.35% | $35 | Minimum balance of $5 or more to earn dividends. $2 monthly fee applies if balance falls below $5. |
Sources (6)
- es.ffnm.org/services-tools/tools/rates.html
- es.ffnm.org/accounts/personal-savings
- ffnm.org/accounts/personal-savings
- ffnm.org/accounts/personal-savings/primary-savings.html
- es.ffnm.org/accounts/personal-…ngs/primary-savings.html
- ffnm.org/services-tools/tools/rates.html
All captured Sep 16, 2026
Secondary Savings
0.15%APY
Save for a special purchase and name account accordingly. No minimum deposit required to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns dividends on all balances / entire balance.Any balance | 0.15% | $15 | Earns dividends on all balances / entire balance. |
Special-purpose accounts
Christmas Club
0.50%APY
Set money aside year-round for holiday expenses. $5 minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns dividends on all balances / entire balance.Any balance | 0.50% | $50 | Earns dividends on all balances / entire balance. |
Vacation Club
0.50%APY
Set money aside year-round for vacation expenses. $5 minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns dividends on all balances / entire balance.Any balance | 0.50% | $50 | Earns dividends on all balances / entire balance. |
IRA Savings
0.45%APY
Traditional and Roth IRA options. No setup fees and no monthly or annual maintenance fees. No minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns dividends on all balances. Funds can also be used to open Term Share Certificates within IRA plan.Any balance | 0.45% | $45 | Earns dividends on all balances. Funds can also be used to open Term Share Certificates within IRA plan. |
Kirby Kids Savings
0.35%APY
Available to young savers up to 12 years old (Kirby Kangaroo Kids Savings Club). $5 minimum deposit to open. No monthly service fees and no minimum balance requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upCompetitive dividends on balances of $5 or more ($5 & Over). Earns Kirby Kid Bucks for saving money ($1 in Kirby Kid Bucks for every $5 deposited, limit 10 tickets per year).$5 and up | 0.35% | $35 | Competitive dividends on balances of $5 or more ($5 & Over). Earns Kirby Kid Bucks for saving money ($1 in Kirby Kid Bucks for every $5 deposited, limit 10 tickets per year). |
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.