Congratulations to the Class of 2026 scholarship winners! 

For 2026, First Financial once again awarded $3,000 scholarships to each high school within our field of membership. Participating high schools included Baltimore, Carroll, Somerset and Worcester County Public Schools, as well as the private schools that we serve. Additional scholarships were made available to existing student members who attended schools outside of our field of membership. First Financial is proud to report that this year we awarded 58 $3,000 scholarships to outstanding high school seniors; that’s $174,000 in awards.

The recipients of these scholarships are as follows:

• Arcadia High School,
  Ja’Niya Harris
• Archbishop Curley High School,
  Michael Southard
• Boys’ Latin School of Maryland,
  William Irby
• Bryn Mawr School,
  Sahasra Valluri
• Calvert Hall College High School,
  Henry Lynch
• Carver Center for Arts & Technology,
  Khushi Patel
• Catonsville High School,
  Olivia Virago
• Century High School,
  Chris Rowinski
• Chesapeake High School STEM Academy,
  Logan Gladney
• Concordia Preparatory School,
  Danielle Cassell
• Crisfield High School & Academy,
  Trenton Brittingham
• Cristo Rey Jesuit High School,
  Daniel Tillman
• Dulaney High School,
  Evan Sheldon
• Eastern Technical High School,
  Arvin Singh
• Francis Scott Key High School,
  Paul Adcock
• Franklin High School,
  Emerson Sumpter
• Garrison Forest School,
  Caroline Yapsuga
• Gateway School,
  Makenzie Gregory
• Gilman School,
  Andrew Goodale
• Hereford High School,
  Samarth Abhisheak
• Holly Grove Christian School,
  Persephone Emmert
• Kenwood High School,
  Mercy Oshobu
• Lansdowne High School,
  Genora Fields
• Liberty High School,
  Payton Oakley
• Loch Raven High School,
  Callie French
• Loyola Blakefield,
  Jaiden Elbert
• Manchester Valley High School,
  Alaina Long
• Maryvale Preparatory School,
  Anna Neffke
• McDonogh School,
  Kyle Rollins
• Milford Mill Academy,
  Kayla McMurray
• Mount Saint Joseph High School,
  Wayne Eley Jr.
• New Town High School,
  Ibukunoluwa Adedo
• Notre Dame Preparatory School,
  Ella Mercadante
• Our Lady of Mt. Carmel,
  Lance Gregory
• Overlea High School,
  Jael White
• Owings Mills High School,
  Yuleydis Prudencio
• The Park School of Baltimore,
  Nico Doyle
• Parkville High School,
  Ireayooluwa Akin-Oludiran
• Patapsco High School,
  Isabella Pollara
• Perry Hall Christian School,
  Richard Parron
• Perry Hall High School,
  Makayla Kurcoba
• Pikesville High School,
  Ruben Finkel
• Pocomoke High School,
  Fiona Guo
• Randallstown High School,
  Enoch Makinde
• Redeemer Classical Christian School,
  Sean Williams
• Roland Park Country School,
  Elena Levendosky
• Snow Hill High School,
  Elizabeth Gell
• South Carroll High School,
  Thora Naill
• Sparrows Point High School,
  Allison Roberts
• St. Paul’s School for Boys,
  Ashton Seeman
• St. Paul’s School for Girls,
  Claire McMahon
• Stephen Decatur High School,
  Olympia Gill
• The Catholic High School,
  Gabrielle Gray
• Towson High School,
  Daksh Sangar
• Western School of Technology,
  Farria Khan
• Westminster High School,
  Colleen Blubaugh
• Winters Mill High School,
  Sarah Livingston
• Woodlawn High School,
  Deonta Harper

Congratulations to all of our winners!

Show your Maryland Pride!

We’re celebrating Maryland Day with a little extra state pride. Join our giveaway on our official Instagram page for your chance to win one of TWO Maryland‑themed gift baskets, provided by Black Eyed Susan!

Entering the giveaway is easy – just comment what you love most about Maryland on our Instagram post for your chance to win!

Sweepstakes Details

At the end of the giveaway, the winners will be randomly selected on or around March 30, 2026. The official First Financial Instagram account will notify the winners via the comment section on the giveaway post and in a direct message to confirm eligibility.

Prizes will be awarded on or around the week of April 13th via shipping to the winner’s residential address on file from Black Eyed Susan Gift Baskets.

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. EDT on Friday, March 27, 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.

How to Protect Your Tax Refund and Your Identity This Year

At First Financial Federal Credit Union, protecting our members’ financial well-being is a priority year-round. As tax season approaches, we want to help you recognize common scams, understand the warning signs, and take proactive steps to safeguard your refund and personal information.

Tax season is one of the busiest times for scammers. As millions of taxpayers prepare their returns, fraudsters ramp up tactics to steal personal information, hijack refunds, and trick unsuspecting filers.

In 2026, the threats are evolving — but so is your ability to protect yourself. Let’s break down the most common tax season scams and how you can stay safe.

Are Tax Scams Increasing in 2026?

Yes. Each year, the IRS and consumer protection agencies warn that tax scams — including refund fraud, phishing, and impersonation — tend to spike during tax season.

Scammers use a variety of methods to trick taxpayers, including phone calls, fake emails, and fraudulent tax filings.

Understanding how these scams work is key to protecting yourself and your refund.

IRS Impersonation Calls: Is the IRS Calling You?

One of the most common scams remains IRS impersonation calls — where someone pretends to be from the IRS and tries to scare you into paying or giving up personal information.

Important tips to know:

• The IRS will not call unexpectedly demanding immediate payment.
• The IRS will never require payment via gift cards, cryptocurrency, or wire transfers.

If you receive a suspicious call, hang up immediately. Learn how to spot these calls in our previous blog: Security Alert: Impersonating Phone Calls.

Fake IRS Texts and Emails — What to Look For

Scammers aren’t just calling — they’re also sending fake IRS emails and text messages designed to get you to click malicious links or share sensitive info.

These phishing scams often:

• Claim there’s a problem with your tax return
• Offer a larger refund if you “verify your details”
• Include attachments or links that install malware

💡 Tip: The IRS does not initiate contact by text or email to request personal information. If you’re unsure whether a message is real, treat it as suspect.

You can learn more about recognizing phishing scams in this helpful guide: How to Spot a Phishing Scam Before It’s Too Late.

Tax Refund Scams

Tax refund scams happen when criminals use stolen personal information to file fraudulent tax returns early in the season to claim your refund before you file.

Common warning signs of refund fraud:

• Your return is rejected because one has already been filed
• You receive an unexpected IRS notice
• You receive a refund you didn’t request

Filing early and using secure filing methods can help prevent this.

If you’re concerned about broader identity misuse beyond tax season, we covered prevention tips during 2026 Identity Theft Awareness Week that can help you stay protected year-round.

Fake Tax Preparers and Other Scams

Scammers may also pose as tax preparers — either in person or online. They may:

• Promise unusually large refunds
• Charge fees based on refund size
• Ask you to provide unprotected personal information

Only use reputable tax professionals, and always review your tax return before signing.

How to Protect Your Tax Refund in 2026

Here are key steps to safeguard your refund and personal information:

• File Early – Filing early reduces the chance that someone else will file a fake return using your identity.
• Use Secure Filing Methods – Ensure your tax preparer uses encrypted platforms and secure login protocols.
• Avoid Public Wi-Fi – Public networks are easy targets for hackers — don’t file your taxes on them.
• Strengthen Account Security – Enable multi-factor authentication on email, tax prep, and financial accounts.
• Shred Paper Documents – Protect yourself from physical identity theft by shredding old tax records.

What to Do If You Get a Tax Scam Call or Email

If you suspect you’ve encountered a tax scam:

• Stop all communication.
• Do not provide personal information.
• Report phishing or impersonation attempts at IRS.gov.
• If your First Financial accounts may be affected, contact us immediately so we can help review and secure your account.
• Monitor your credit and accounts for unusual activity.

Taking quick action can reduce the impact of fraud!

Stay Cyber-Aware This Tax Season

Tax season scams in 2026 may seem convincing — but knowing what to look for, how to recognize red flags, and where to find legitimate IRS communication can protect you and your refund.

At First Financial Federal Credit Union, we’re committed to helping our members stay financially confident and secure. If you ever notice suspicious activity on your account or receive a suspicious tax-related communication, contact us right away.

Explore our Financial Wellness Tools and Security Center on our website to learn more tips and tricks — and file safely this tax season.

Feeling lucky? Enter our St. Patrick’s Day giveaway!

We’re celebrating with a little extra green this year. Join our giveaway on our official Facebook page for your chance to win one of THREE $100 deposits!

Entering is easier than spotting a four-leaf clover. Just answer the fun prompt in the comments for your chance to win!

Sweepstakes Details

At the end of the giveaway, the winners will be randomly selected on or around March 23, 2026. The official First Financial Facebook account will notify the winners via the comment section on the giveaway post and in a direct message to confirm eligibility.

Prizes will be awarded on or around the week of March 30, 2026 via deposit into the winners’ Savings 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. EDT on Tuesday, March 17, 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.

The 73rd Annual Meeting of First Financial will be held on April 16, 2026, at 6pm at Martin’s Valley Mansion – 594 Cranbrook Rd Cockeysville, MD 21030. Primary accountholders in attendance will be eligible to win one of many exciting door prizes and light refreshments will be available.

February 20th is National Love Your Pet Day!

At First Financial, we love celebrating the furry, fluffy, feathery, and scaly friends who brighten our days. Our pets are family and today is the perfect excuse to show them off!

In honor of this pawsome holiday, we’re giving away THREE $50 Chewy e-gift cards to treat them!

Whether your pet is a champion at fetch, a professional napper, or a full-time chaos creator, comment your favorite photo for your chance to win!

Sweepstakes Details

At the end of the Sweepstakes, the winners will be randomly selected on or around February 25, 2026. The official First Financial Facebook account will notify the winners via the comment section on the giveaway post and in a direct message to confirm eligibility.

Prizes will be awarded on or around the week of March 9, 2026 via electronic gift card to the email address on file.

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 22, 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.

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.

A share certificate is one of the most dependable ways to grow your savings with a guaranteed return. With a fixed interest rate and a set time commitment, certificates offer predictable growth that can support short-term plans and long-term goals.

Share certificates are often a go-to option for seasoned investors, but they’re also a great product if you’re just starting your financial journey. They help you grow your savings safely, predictably, and without needing to navigate complex investment decisions.

At First Financial Federal Credit Union, we’re committed to helping members understand the savings tools available to them, including how a share certificate works and how it can fit into a broader financial strategy.

What Is a Share Certificate?

A share certificate is a type of savings account where you deposit a set amount of money for a specific period of time, called the term. In exchange, you receive a guaranteed interest rate that stays the same for the entire term.

If you’d like to explore certificate options, check out First Financial’s Certificates & Money Markets page to view available products and terms.

Learn more about First Financial’s Share Certificate offerings

How Does a Share Certificate Work?

Here’s a clear breakdown of how a share certificate account works from start to finish:

1. Choose your certificate term. Terms can range from a few months to several years.
2. Deposit a fixed amount. Your funds are held in the certificate for the entire term.
3. Lock in a fixed interest rate. This rate does not change while the certificate is active.
4. Let your money grow. Your deposit earns interest through the term.
5. Reach maturity. At the end of the term, you can access the full balance.

This predictable process makes share certificates ideal for members who value stability and clear savings outcomes.

How Does a Certificate Grow Interest?

Share certificates earn interest through a fixed rate applied to your original deposit. Unlike some savings accounts where the rate can fluctuate, a share certificate’s rate stays constant, giving you reliable and predictable growth.

If you’re new to saving or just getting started financially, a share certificate can give your money structure—a set timeline and a guaranteed return—with no complicated investment decisions.

What Happens When a Certificate Matures?

When your certificate matures, the term ends and your funds—including earned interest—are available to you.

At maturity, you can:

• Withdraw the full balance (principal + interest)
• Reinvest the funds into another share certificate
• Move funds into another savings product

You can view all current certificate terms and options on our Certificates & Money Markets page to help plan your next steps.

Can You Withdraw Money From a Certificate Early?

Yes — early withdrawal is typically allowed, but it may result in an early withdrawal penalty. Because of this, certificates are best suited for funds you’re confident you won’t need before the term ends.

Is a Certificate a Good Way to Save Money?

A share certificate can be a strong way to save if you want:

• Guaranteed, predictable growth
• A structured timeline for savings
• A fixed rate that won’t change over time

While a traditional savings account offers flexibility, a share certificate’s strength lies in its stability and long-term planning advantages. View our current rates

Who Is a Certificate Good For?

Share certificates are especially helpful for younger members who are building healthy savings habits and want a simple, low-risk way to grow their money. Because certificates offer guaranteed growth over a set timeframe, they work well for mid-term savings goals—big purchases you’re not planning to make immediately, but still want to prepare for.

Here are examples of goals a certificate can help with:

• A major trip (study abroad, graduation trip, etc.)
• Saving for a car down payment
• Building a down payment for a first condo or home
• Wedding expenses
• Furniture or appliances for a new apartment
• Future emergency fund you don’t want to accidentally dip into

By choosing a certificate term that matches your goal timeline, you can grow your money naturally while reducing the temptation to spend what you’ve saved.

How Long Does a Certificate Last?

Share certificate terms vary based on your goals and available offerings. Shorter terms provide quicker access to funds, while longer terms generally deliver higher earning potential. You can find all current term options on the Certificates & Money Markets page.

How Certificates Fit Into a Bigger Financial Plan

A share certificate is one of several tools you can use to build financial resilience. To explore broader savings strategies, interest basics, and how different products work together, try our free resources available through the Banzai Learning Center.

From interactive lessons to savings calculators, the Learning Center provides hands-on support to help you make informed financial decisions.

Open an Account Today

A share certificate offers a safe, predictable way to grow your money with a guaranteed rate of return. By understanding what a certificate is and how it works—from earning interest to maturity—you’ll be better prepared to make financial decisions that support your long-term goals.

Whether you’re just beginning your financial journey or saving for your next big milestone, First Financial Federal Credit Union is here to help. Visit our Certificates & Money Markets page to explore share certificate products that fit your financial journey.

Identity Theft Awareness Week runs January 26-30 and is hosted by the Federal Trade Commission (FTC). This week is dedicated to sharing resources, events and guidance to help consumers recognize identify theft, recover if it happens and stay alert to the latest scams.

Identity theft can happen when someone uses your personal information without your permission to commit fraud. It can happen to anyone, but a few simple habits can help you stay safe:

How to Help Prevent Identity Theft

1. Monitor your accounts regularly and check your statements often. If you spot a transaction you don’t recognize, report it right away.
2. Browse safely. Make sure websites start with “https://” and a lock icon to indicate a secure connection before entering any personal information.
3. Be cautious with emails and texts. Phishing messages often look legitimate and may impersonate trusted businesses. Avoid clicking unexpected links or attachments, and verify suspicious messages directly with the company.

As a reminder, First Financial will NEVER contact you unexpectedly by text, email, or phone to request personal information such as your online banking username, password, or MFA code. We also will NEVER representatives to your home to collect debit or credit cards.

When in doubt, contact First Financial directly at 410-321-6060 or send a Secure Message through Online or Mobile Banking.

If you or someone you know is a victim of Identity Theft, you can create a case with the Federal Trade Commission. Plus, visit their Identity Theft Awareness Week page for more information to help you stay safe.

Visit our Security Center for more security tips to help you protect yourself and your account from fraud.