Parent & Family Resources

As a parent, guardian, or immediate family member of a student in our public schools, you’re invited to enjoy all the benefits of First Financial membership!
 
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Why Join a Credit Union?

A credit union is a not-for-profit financial cooperative owned by its members, not shareholders. That means any earnings go right back to you in the form of better rates, fewer fees, and financial services designed to support your goals.

When you join, you’re not just an account holder. You become a member-owner!

  • Better Rates

    We return profits to our members in the form of better rates so you can earn more.

  • Low fees… or no fees at all

    We return our earnings to members with low (or no) fees to help you save more.

  • Community Service

    We know volunteering and giving back makes our communities stronger.

  • Financial Education

    We’re committed to helping you achieve your best financial life with free tools and resources.

    Proudly serving members since 1953

    $1.3

    Billion Asset Size

    $2.7

    Million in Member Rewards in 2025

    $539,707

    in Community Outreach in 2025

    When you join First Financial, you’re a member for life.

    We’re excited to have you! When you open an account, we’ll give you $10 just for joining!*

    As a parent, guardian, or immediate family member of a student in our public schools, you can join First Financial!

    Our financial products and services are thoughtfully designed to support you, strengthen your financial well‑being, and uplift the communities we serve. We’re committed to providing our members with care, compassion, and an unwavering focus on improving their lives.

    First Financial proudly serves the public-school systems in:

    • Accomack County
    • Baltimore County
    • Carroll County
    • Cecil County
    • Somerset County
    • Worcester County

    Once you belong, you’re a member for life even if you change jobs or relocate. We have branch locations in Maryland, but digital banking makes it easy to access your account from anywhere.

    Join Now 

    * This promotion is open to immediate family or household members of students attending the public schools in Accomack County, Baltimore County, Carroll County, Cecil County, Somerset County and Worcester County. Promotion excludes Health Savings (HSA), Business, Trust, Representative Payee, Custodial, Kids Club and other special accounts. $10 promo will be deposited into members Savings 01 share on or about the 7th day after the account was opened. In accordance with applicable regulations, reward(s) are subject to reporting on IRS Form 1099-INT. FFFCU reserves the right to change terms or discontinue this promo at any time, with or without advance notice. Terms and conditions apply.

    Products We Offer

    We offer a full suite of financial services for every stage of life:

    • Bank

      Manage and grow your money easily and safely

      Rewarding Checking Accounts
      Certificates & IRAs
      Direct Deposit
      Savings & Money Market
      Visa® Debit Cards

    • Borrow

      Get the financing you need to achieve your goals

      Auto Loans
      Personal Loans
      Student Loans
      Visa® Credit Cards
      Home Loans

    • Access

      Gain safe and secure access from home or on the go

      Online & Mobile Banking
      Mobile Deposit
      Digital Wallet
      eStatements
      Bill Pay

    • Learn

      Navigate your financial journey with resources for every step of the way

      Financial Counseling
      Online Resource Centers
      Tax Planning
      Financial Planning
      Financial Calculators

      Become a Member 

      $2.7M in Scholarships since 1998

      Annual Scholarship Program

      Education is what First Financial is built on. It’s why we’re proud to assist graduating high school seniors with their educational expenses!

      • Each year, we typically provide a $3,000 scholarship to a student member at each high school in our membership area.
      • Plus, we make extra scholarships available to our student members who attend outside our field of membership.

      Member Perks

      Discover all the advantages a First Financial membership gives you:

      • Referral Reward Program
      • Cashback Rewards
      • Special Offers & Discounts
      • TruStage Insurance
      • Senior Benefits
      • Free Credit Report

      Community Involvement

      At First Financial, volunteering, giving back and making a positive impact to our community is at the heart of what we do:

      • Volunteering
      • Sponsorships 
      • Financial education
      • School supply drives
      • And more!

      Here's what First Financial members are saying…

      “What I love about being a First Financial member is the personal service and the feeling that they truly care about my financial success. The low fees, great rates, and helpful financial tools make managing my money easy.”

      Cole B. | Member

      Our members and our community are at the heart of everything we do – today, tomorrow and always. So join us and be a part of something special…

      be a part of the First Financial difference.

      Join Today