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Source: https://www.ffnm.org/services-tools/tools/rates.html
Read: 2026-10-22T16:22:05.000Z

Rates | First Financial CU | New Mexico | Albuquerque, Rio Rancho, Farmington, Portales, Silver City Skip to content
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 6/08/2026. Fees may reduce earnings.
Learn More Balance | Minimum to Open | Rate | APY
0 - $15,000 | $0 | 4.94% | 5.05%
$15,000+ | $0 | 0.30% | 0.30%-0.92%
All balances if qualifications not met | $0 | 0.05% | 0.05%
Learn More Rates | Cash Back per Month | Cash Back per Year
3.00% | up to $7.50 * | up to $90 *
Learn More Balance | Minimum to Open | Rate | APY
0 - $50,000 | $0 | 2.96% | 3.00%
$50,000+ | $0 | 0.50% | 0.50% - 1.33%
All balances if qualifications not met | $0 | 0.05% | 0.05%
Account | Minimum to Earn Dividends | Rate | APY
Primary Savings | $5 & Over | 0.35% | 0.35%
Secondary/Special Savings | All balances | 0.15% | 0.15%
Christmas Club | All balances | 0.50% | 0.50%
Vacation Club | All balances | 0.50% | 0.50%
Kirby Kids Savings | $5 & Over | 0.35% | 0.35%
IRA Savings | All balances | 0.45% | 0.45%
IDA Savings Account | All balances | 0.70% | 0.70%
Learn More Balance | Minimum to Open | Rate | APY
$0.00 - $24.99 | $500 | 0.30% | 0.30%
$25.00 - $2,499.99 | $500 | 1.50% | 1.51%
$2,500.00 - $9,999.99 | $500 | 1.75% | 1.76%
$10,000.00 - $24,999.99 | $500 | 1.75% | 1.76%
$25,000.00 - $49,999.99 | $500 | 1.75% | 1.76%
$50,000.00 - $99,999.99 | $500 | 2.00% | 2.02%
$100,000.00 - $249,999.99 | $500 | 2.00% | 2.02%
$250,000.00 and greater | $500 | 2.25% | 2.27%
Learn More Term | Minimum to Open | Rate | APY
3 Months | $1,000 | 3.00% | 3.04%
6 Months | $1,000 | 3.00% | 3.04%
12 Months | $1,000 | 3.25% | 3.30%
18 Months | $1,000 | 3.15% | 3.20%
24 Months | $1,000 | 3.15% | 3.20%
30 Months | $1,000 | 2.95% | 2.99%
36 Months | $1,000 | 2.95% | 2.99%
48 Months | $1,000 | 3.00% | 3.04%
60 Months | $1,000 | 3.00% | 3.04%
Learn More Term | Balance | Rate | APY
3 Months | $25,000 | 3.10% | 3.14%
6 Months | $25,000 | 3.10% | 3.14%
12 Months | $25,000 | 3.35% | 3.40%
18 Months | $25,000 | 3.25% | 3.30%
24 Months | $25,000 | 3.25% | 3.30%
30 Months | $25,000 | 3.05% | 3.09%
36 Months | $25,000 | 3.05% | 3.09%
48 Months | $25,000 | 3.10% | 3.14%
60 Months | $25,000 | 3.10% | 3.14%
Term | Minimum Opening Deposit | Rate | APY
3 Month | $250 | 3.00% | 3.04%
6 Month | $250 | 3.00% | 3.04%
12 Month | $250 | 3.25% | 3.30%
18 Month | $250 | 3.15% | 3.20%
24 Month | $250 | 3.15% | 3.20%
30 Month | $250 | 2.95% | 2.99%
36 Month | $250 | 2.95% | 2.99%
48 Month | $250 | 3.00% | 3.04%
60 Month | $250 | 3.00% | 3.04%
Term | Minimum to Open | Rate | APY
3 Month | $500 | 3.00% | 3.04%
6 Month | $500 | 3.00% | 3.04%
12 Month | $500 | 3.25% | 3.30%
18 Month | $500 | 3.15% | 3.20%
24 Month | $500 | 3.15% | 3.20%
30 Month | $500 | 2.95% | 2.99%
36 Month | $500 | 2.95% | 2.99%
48 Month | $500 | 3.00% | 3.04%
60 Month | $500 | 3.00% | 3.04%
Learn More Term | Minimum to Open | Rate | APY
3 months | $500 | 3.00% | 3.04%
6 months | $500 | 3.00% | 3.04%
12 months | $500 | 3.25% | 3.30%
18 months | $500 | 3.15% | 3.20%
24 months | $500 | 3.15% | 3.20%
30 months | $500 | 2.95% | 2.99%
36 months | $500 | 2.95% | 2.99%
48 months | $500 | 3.00% | 3.04%
60 months | $500 | 3.00% | 3.04%
Card Type | Interest Rate
Mastercard® Platinum Rewards | As low as 9.9%
Mastercard® Gold | As low as 6.9%
Learn More Maximum Term | APR | Estimated Monthly Payments
36 months | As low as 3.99% | $591.00
48 months | As low as 5.09% | $462.00
60 months | As low as 5.49% | $382.00
66 months | As low as 5.69% | $354.00
75 months | As low as 5.79% | $319.00
84 months ($25,000 minimum) | As low as 5.99% | $366.00
Maximum Term | APR | Estimated Monthly Payments
36 months | As low as 5.69% | $606.00
37 - 48 months | As low as 5.99% | $470.00
49 - 60 months | As low as 6.09% | $388.00
61 - 66 months | As low as 6.09% | $358.00
67-75 months | As low as 6.59% | $327.00
Loan | Maximum Term | APR | Approximate Monthly Payment
First Time Auto Buyer | 75 months, $20,000 max | As low as 16.99% | $434.82
New Motorcycles | 75 months | As low as 7.99% | $339.85
Used Motorcycles | 60 months | As low as 9.99% | $425.52
New Titled Recreational Vehicles | Up to 144 months, depending on amount | As low as 8.49% | $833.00
Used Titled Recreational Vehicles | Up to 144 months, depending on amount | As low as 8.99% | $854.00
New Boats | Up to 144 months, depending on amount | As low as 9.49% | $875.10
Used Boats | Up to 120 months, depending on amount | As low as 9.74% | $981.18
Learn More Loan Type | Maximum Term | APR
Personal Loans | 48 months | As low as 10.49%
Line of Credit | 36 months | As low as 13.25%
Miscellaneous Collateral | 60 months | As low as 11.99%
Share Secured | 84 months | 5.90%
Certificate Secured 1 | 84 months | CD rate + 2.5%
Learn More Loan Term | Base Rate | Points
30 year | Call For Current Rate | 0
30 year | Quote upon request | 1
30 year | Quote upon request | 2
15 year | Call For Current Rate | 0
15 year | Quote upon request | 1
15 year | Quote upon request | 2
10 year | Call For Current Rate | 0
10 year | Quote upon request | 1
10 year | Quote upon request | 2
Learn More Type | Base Rate | Loan-to-value
Home Equity Line-of-Credit | Call For Current Rate | Up to 90% LTV
Fixed Rate 2nd Mortgage | Call For Current Rate | Up to 90% LTV
All rates and underwriting guidelines are subject to change. Additional rate increases may depend on the following: credit scores, cash out, occupancy, condition of credit and type of property. First Financial Credit Union sells mortgage loans on the Secondary Market. Loans that are not eligible to be sold may on occasion be held in portfolio. Lower rates are available by using points. Points are a percentage of the loan paid up front in closing costs, allowing for a rate “buy down”. First Financial Credit Union lends in the State of New Mexico. Loans up to 80% of the value of the property are available. If the loan to value exceeds 80% other fees may apply to include private mortgage insurance. Loans available up to $424,100.
Investment, rental or second home properties may be subject to additional fees, please see your loan officer for details. These types of loans are available up to 75% of the value of the property.
Learn More Tier | Credit Score
Tier I | 720 +
Tier II | 660 – 719