This sweepstakes is now closed. Thank you to everyone who participated!
This Valentine’s Day, it’s all about YOU!
We’re celebrating our members who make First Financial such a special place. Enter our 2026 Valentine’s Day Sweepstakes on our official Instagram for your chance to WIN $100! All you have to do is share why you love being a First Financial member.
Sweepstakes Details
We’re excited to hear from you and celebrate our amazing members!
At the end of the Sweepstakes, the winner will be randomly selected on or around February 18, 2026. The official First Financial Instagram account will notify the winner via the comment section on the giveaway post and in a direct message to confirm eligibility.
Prize will be awarded on or around the week of March 2, 2026 via deposit into the winner’s Saving 01 account.
Remember, First Financial will NEVER contact you for card information or other personal/sensitive information. If you have any questions, please contact Member Services directly at 410-321-6060.
The Sweepstakes closes at 11:59 p.m. EST on Sunday, February 15, 2026. Open to First Financial members who are in good standing with the credit union and at least 18 years of age at the time of entry. Read the Official Rules to learn more.
In preparation for the First Financial Federal Credit Union Annual Meeting, scheduled for April 16, 2026, the Volunteer Recruitment & Nominating Committee of First Financial FCU recommends the following candidates to fill the vacancies on the 2026 Board of Directors:
Robin Churchill retired from The Maryland School for the Blind in 2016 after serving as the Chief Financial Officer (CFO) for 10 years. Previously, she worked as CFO for the Baltimore Museum of Art and Baltimore County Public Schools. She began volunteering on the Supervisory Committee in 2003 and currently serves as the Committee Chair. In 2010, she was appointed to the Board of Directors. She also serves on the Information Technology Steering Committee and the Community Outreach Committee.
Michille Caples has been in public sector finance and auditing for 35 years with Carroll County Government Department of Management and Budget, Carroll County Public Schools Finance Department, and Booth Management Consulting Grants Division. She has been a member of First Financial Federal Credit Union since 1995. She has been a volunteer at FFFCU since 2017, serving on the Community Outreach Committee and the Scholarship Committee. She was appointed to the Board as Associate Director in January 2021.
First Financial Federal Credit Union Bylaw Nomination and Election Procedures: Nominations for vacancies may also be made by petition signed by 1% of the First Financial FCU membership with a minimum of 20 and a maximum of 500 members. Nominations by petition must be filed with the First Financial FCU Secretary by March 7, 2026. An election will be held at the Annual Meeting on April 16, 2026, to fill the vacancies on the Board of Directors. The election will not be conducted by ballot and nominations will not be accepted from the floor unless there are insufficient candidates for position vacancies.
The First Financial FCU Annual Meeting will be held on April 16, 2026 at 6pm. Registration is required.
Win $250 for Your Holiday Shopping!
This sweepstakes is now closed. Thank you to all members who shopped with First Financial for the holidays.
The holidays are here and we’re making them even brighter! We’re giving 10 lucky members the gift of extra spending this season.
While you’re out at the stores or shopping online, simply use your First Financial Visa® debit or First Financial Visa® credit card for your chance to win $250!*
Sweepstakes Details
At the end of the Sweepstakes, we will randomly select 10 winners on or around December 17, 2025. Prizes will be awarded on or around the week of December 29, 2025 via deposit into the winners’ Savings 01 accounts.
Remember, First Financial will NEVER unexpectedly contact you for credit card information or other personal/sensitive information. If you have any questions, please contact Member Services directly at 410-321-6060 or send us a secure message in Online Banking.
No purchase is necessary. The Sweepstakes closes at 11:59 p.m. EST on December 14, 2025. Open to First Financial members who are in good standing with the credit union and at least 18 years of age at the time of entry.
*PIN-based and ATM transactions are not eligible. Read the Official Sweepstakes Rules to learn more.
This giveaway is now officially closed. We appreciate our members input and the time taken to participate!
We’ve given our website a fresh new look and now we want to hear what YOU think! Are you loving the soft color design? Enjoying the smoother navigation? Your feedback can help us deliver the best experience to our members.
Members who “share their two cents” will be entered to win one of FIVE $25 deposits!
Sweepstakes Details
We’re excited to hear from you and make sure we’re serving our members the best we can!
At the end of the Sweepstakes, we will randomly select 5 winners on or around July 7, 2025. Prizes will be awarded on or around the week of July 14, 2025 via deposit into the winners’ Savings 01 accounts.
Remember, First Financial will NEVER contact you for credit card information or other personal/sensitive information. If you have any questions, please contact Member Services directly at 410-321-6060 or toll-free at 1-800-903-3328.
No purchase is necessary. The Sweepstakes closes at 11:59 p.m. EDT on June 30, 2025. Open to First Financial members who are in good standing with the credit union and at least 18 years of age at the time of entry. Read the Official Rules to learn more.
As of March 31, 2025, the standalone Zelle® app has been discontinued. But don’t worry, we’ve got you covered!
Here’s what you need to know:
Already enrolled with Zelle through First Financial’s Mobile App?
Great news! If you’re already using Zelle through our mobile app, there’s nothing you need to do. Keep sending and receiving money with ease to friends, family and small businesses who also use Zelle through their bank or credit union.
Switching from the Standalone Zelle App?
If you were using Zelle’s standalone app to manage your transactions, First Financial has you covered! Our mobile app offers Zelle, making it convenient for you to continue using this service. Learn more about using Zelle directly through our mobile app.
Earn $25 by Referring Friends!
Know someone who was using the standalone Zelle app? You can refer family, friends and coworkers to become First Financial members. When your referred new member joins, you’ll both get a $25 reward!* It’s a win-win: they get to keep using Zelle and you get rewarded! Learn more* about our Referral Program.
Need help?
If you have any questions about using Zelle through First Financial’s mobile app, you can send us a Secure Message through Digital Banking, or call us at 410-321-6060. We’re here to help!
Experiencing financial difficulty?
Consider a First Financial debt management plan before settling!
If you’re navigating credit card payments and other debt, it’s helpful to consider the best approach for your situation.
Think twice before deciding
⊗ Debt Settlement
- Debt settlement companies charge 15 to 25 percent of your enrolled debt.
- Debt settlement companies cannot guarantee your debt reduction.
- You send all payments to the debt settler and not the creditor. These payments are held until enough accumulates to make an offer to the creditor. In the meantime, your credit score may be impacted due to missed payments to the creditor.
- Settlement negotiation could take months, even years jeopardizing your credit.
- Forgiven debt may be considered taxable income so you need to check with your tax professional.
- Your account with the creditor may be charged off if left unpaid for so long and may incur additional fees if forwarded for litigation or suit.
✔ Debt Management
- The cost to participate in a Debt Management Plan from a debt management company may be lower than a debt settlement company.
- Debt management companies negotiate payment plans to pay off your debt in a specified timeframe. These companies request concessions from creditors, which may help pay off your debt faster.
- Debt management companies immediately pay creditors upon receiving automatic deposits from your paycheck.
- Debt management companies work with creditors to modify your loan upon agreement and may provide you a fresh start in repayment.
- You will work with a financial counselor that considers all of your financial health and debt.
- With successful completion, you can maintain a record of good standing with your creditors.
Take advantage of special member benefits by enrolling in a debt management plan with our partner, Greenpath Financial Wellness.
In preparation for the First Financial Federal Credit Union Annual Meeting, scheduled for April 17, 2025, the Volunteer Recruitment & Nominating Committee of First Financial FCU recommends the following candidates to fill the vacancies on the 2025 Board of Directors:
Avon Garrett has served for 14 years as the Dean, School of Business, Social Sciences, Wellness and Education at the Community College of Baltimore County. Prior to that he served as a member of the Senior Cryptologic Executive Service at the National Security Agency-retiring after 30 years of Federal service. He has been a member of First Financial Federal Credit Union since 2000. He has served as a volunteer on the Appeals Committee since 2018 and, while serving in that capacity, became an Associate Director on the First Financial Board of Directors in 2021. He became a Director of the First Financial Credit Union Board of Directors in 2022 and in that same year became Chair of the First Financial Scholarship Committee.
Jonathan Butts currently works at the Social Security Administration (SSA) in the Department of Headquarters Space Management. He founded JB Home Design, LLC. in 2003 and has contributed part-time since 2023. Before that, he was a project manager at several architectural firms for almost 20 years. He has been a First Financial Federal Credit Union (FFFCU) member since 1984 and has volunteered at FFFCU since 2016. He has served on the Long Range Facilities Planning Committee (LRFPC) since 2016. In 2018, he became an Associate Director and was later appointed Board Director while serving on the LRFPC. During 2019, Mr. Butts became Chairperson of the Employment Engagement and Retention Committee (EERC). In 2021, he became Co-Chairperson of the Volunteer Recruitment and Nominating Committee and began volunteering on the Merger and Acquisition Committee.
John Knauff has served in management for 34 years. From 2002 through 2015 he held the position of Business Manager for Construction and Leasing at The JHU/APL and was a member of several committees including the FACT team (Facilities and Construction Team), Long Range Site Development Team, and the Pension Committee. In 2016, he transitioned to the Facilities Department where he was responsible for the operation of approximately 500,000sf of leased space, both local and remote. He has been a volunteer at First Financial Federal Credit Union since 2002, by first serving on the Supervisory Committee. He currently serves on the Board of Directors, holding the office of Vice Chairperson. He also serves as Chairperson of the IT Steering Committee and the Long Range Facilities Planning Committee, serves as Co-Chair of the Volunteer Recruitment & Nominating Committee, and is a member of the Executive Committee and Merger & Acquisition Committee.
First Financial Federal Credit Union Bylaw Nomination and Election Procedures: Nominations for vacancies may also be made by petition signed by 1% of the First Financial FCU membership with a minimum of 20 and a maximum of 500 members. Nominations by petition must be filed with the First Financial FCU Secretary by March 7, 2025. An election will be held at the Annual Meeting on April 17, 2025, to fill the vacancies on the Board of Directors. The election will not be conducted by ballot and nominations will not be accepted from the floor unless there are insufficient candidates for position vacancies.
The First Financial FCU Annual Meeting will be held on April 17, 2025 at 6pm. Registration is required.
First Financial has been recognized as the 2024 Best Credit Union by The Daily Record’s Reader Rankings. This award celebrates and recognizes the very best in our community. Thank you to everyone who voted! To view all winners, visit The Daily Record.
Say hello to our Virtual Assistant!
First Financial Federal Credit Union is excited to announce the launch of an enhanced phone experience. Say goodbye to navigating through a phone menu and waiting on hold! Simply speak into the phone the reason for your call and our virtual assistant can provide prompt responses and updates to assist you.
With the launch of our new phone experience, members can expect:
- Voice authentication for easier account access, plus an extra layer of security!
- Personalized support to access account information quickly and efficiently
As a member-owned credit union, we are dedicated to using technology and innovative banking solutions to make every member encounter easy, personal, and secure.
To experience our new Virtual Assistant – press or say “Option 1” when calling the credit union at 410-321-6060 or toll-free 1-800-903-3328.
