Credit union · NCUA insured
First Financial Federal Credit Union CD Rates
First Financial Federal Credit Union’s best CD rate is 4.35% APY on a 9-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 22, 2026.
How First Financial Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where First Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Financial Dimensions Client Certificate Special
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
POCU of Maryland
5.12%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $382
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Financial Dimensions Client Certificate Special
5.00%APY · 1 term
Limited-time offer. Dividends compounded daily and credited monthly. Early withdrawal penalties apply. Must have $500,000 or more in assets under Financial Dimensions management. Limited to one certificate per household. Maximum opening amount is $100,000. Will not automatically renew at maturity; entire balance will be transferred to share 01 Savings, Traditional IRA Savings, or Roth IRA Savings account. Cannot be opened through Online or Mobile Banking.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsMust have $500,000 or more in assets under Financial Dimensions management. Limited to one certificate per household. Cannot be opened via Online or Mobile Banking. Does not automatically renew at maturity (balance transfers to share savings or IRA savings) | 5.00% | $289 |
Sources (1)
- firstfinancial.org/rates/deposit-rates · captured Oct 4, 2026
Certificate Specials – Share
Up to 4.35%APY · 3 terms
Limited-time offers. Certificate dividends are compounded daily and credited monthly. Early withdrawal penalties apply. Special APY terminates when certificate renews or is closed.
| Term | APY · $500 and up | APY · $5,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsNew money required: opening funds must originate from a financial institution other than First Financial FCU within 30 days prior to share certificate origination. Automatically renews for 3-month term unless directed to close or renew for another available term. Special APY terminates at renewal | 3.70% | — | — | 3.70% | $91 |
| 9 monthsNew money required: opening funds must originate from a financial institution other than First Financial FCU within 30 days prior to share certificate origination. Automatically renews for 9-month terms unless directed to close or renew for another available term. Special APY terminates at renewal | — | 4.35% | — | 4.35% | $325 |
| 11 monthsAutomatically renews for a 12-month term unless directed to close or renew for another available term. One-time penalty-free withdrawal option available when entirety of funds are withdrawn and account is closed prior to maturity. Cannot be opened through Online or Mobile Banking. Special APY and one-time penalty-free withdrawal option terminate at renewal | — | — | 4.35% | —4.35% from $25k | — |
Sources (2)
All captured Oct 4, 2026
Share Certificate
Up to 4.35%APY · 7 terms
Dividends compounded daily and credited monthly. 10-calendar-day grace period with automatic renewal upon maturity. Early withdrawal penalties apply. Option for bump-up after 6 months on 18-, 24-, and 36-month certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.80% | $69 |
| 6 months | 3.65% | $181 |
| 6 monthsMust meet Better Rewards Checking eligibility requirements at the time of opening or renewing | 4.15% | $205 |
| 9 months | 3.70% | $276 |
| 9 monthsMust meet Better Rewards Checking eligibility requirements at the time of opening or renewing | 4.20% | $313 |
| 12 months | 3.85% | $385 |
| 12 monthsMust meet Better Rewards Checking eligibility requirements at the time of opening or renewing | 4.35% | $435 |
| 18 monthsBump-up option available after 6 months to increase to current rate without extending maturity date | 3.25% | $491 |
| 18 monthsMust meet Better Rewards Checking eligibility requirements at the time of opening or renewing. Bump-up option available after 6 months | 3.75% | $568 |
| 24 monthsBump-up option available after 6 months to increase to current rate without extending maturity date | 3.50% | $712 |
| 24 monthsMust meet Better Rewards Checking eligibility requirements at the time of opening or renewing. Bump-up option available after 6 months | 4.00% | $816 |
| 36 monthsBump-up option available after 6 months to increase to current rate without extending maturity date | 3.60% | $1,119 |
| 36 monthsMust meet Better Rewards Checking eligibility requirements at the time of opening or renewing. Bump-up option available after 6 months | 4.10% | $1,281 |
Sources (2)
All captured Oct 4, 2026
Certificate Builder – (Share)
3.10%APY · 1 term
Dividends compounded daily and credited monthly. One-time penalty-free withdrawal after 7 days. Additional deposits may be made prior to maturity. Principal balance or additional deposits after opening may not exceed $10,000. Deposits exceeding maximum balance may be distributed to a new Certificate Builder account. Automatically renews to like terms upon maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsOne time penalty free withdrawal after 7 days. Additional deposits allowed prior to maturity up to $10,000 maximum balance | 3.10% | $284 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Certificate Specials – IRA
Up to 4.35%APY · 3 terms
Limited-time offers. Certificate dividends are compounded daily and credited monthly. Early withdrawal penalties apply. Special APY terminates when certificate renews or is closed. Traditional and Roth IRA options.
| Term | APY · $500 and up | APY · $5,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsNew money required: opening funds must originate from a financial institution other than First Financial FCU within 30 days prior to share certificate origination. Automatically renews for 3-month term unless directed to close or renew for another available term. Special APY terminates at renewal | 3.70% | — | — | 3.70% | $91 |
| 9 monthsNew money required: opening funds must originate from a financial institution other than First Financial FCU within 30 days prior to share certificate origination. Automatically renews for 9-month terms unless directed to close or renew for another available term. Special APY terminates at renewal | — | 4.35% | — | 4.35% | $325 |
| 11 monthsAutomatically renews for a 12-month term unless directed to close or renew for another available term. One-time penalty-free withdrawal option available when entirety of funds are withdrawn and account is closed prior to maturity. Cannot be opened through Online or Mobile Banking. Special APY and one-time penalty-free withdrawal option terminate at renewal | — | — | 4.35% | —4.35% from $25k | — |
Sources (2)
All captured Oct 4, 2026
IRA Certificate
Up to 4.35%APY · 7 terms
Dividends compounded daily and credited monthly. 10-calendar-day grace period with automatic renewal upon maturity. Early withdrawal penalties apply. Option for bump-up after 6 months on 18-, 24-, and 36-month certificates. Traditional and Roth IRA certificate options.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.80% | $69 |
| 6 months | 3.65% | $181 |
| 6 monthsMust meet Better Rewards Checking eligibility requirements at the time of opening or renewing | 4.15% | $205 |
| 9 months | 3.70% | $276 |
| 9 monthsMust meet Better Rewards Checking eligibility requirements at the time of opening or renewing | 4.20% | $313 |
| 12 months | 3.85% | $385 |
| 12 monthsMust meet Better Rewards Checking eligibility requirements at the time of opening or renewing | 4.35% | $435 |
| 18 monthsBump-up option available after 6 months to increase to current rate without extending maturity date | 3.25% | $491 |
| 18 monthsMust meet Better Rewards Checking eligibility requirements at the time of opening or renewing. Bump-up option available after 6 months | 3.75% | $568 |
| 24 monthsBump-up option available after 6 months to increase to current rate without extending maturity date | 3.50% | $712 |
| 24 monthsMust meet Better Rewards Checking eligibility requirements at the time of opening or renewing. Bump-up option available after 6 months | 4.00% | $816 |
| 36 monthsBump-up option available after 6 months to increase to current rate without extending maturity date | 3.60% | $1,119 |
| 36 monthsMust meet Better Rewards Checking eligibility requirements at the time of opening or renewing. Bump-up option available after 6 months | 4.10% | $1,281 |
Sources (2)
All captured Oct 4, 2026
Who can join First Financial Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of many area businesses and hospitals are eligible for membership.
Military, government and schools
- Employees, students, and parents of Baltimore, Carroll, Cecil, Accomack, Somerset, and Worcester County Public School systems, as well as employees of area private schools and colleges, are eligible for membership.
Family and household
- Families of employees of many area businesses, hospitals, private schools, and colleges are eligible for membership.
Membership information collected October 4, 2026.