About FFCU

First Financial Credit Union is a not-for-profit financial cooperative. What does that mean?

What It Means to Be a Financial Cooperative

Financial Cooperative (noun): A financial institution that is owned and operated by its members. The goal of a financial cooperative is to act on behalf of a unified group as a banking service. These institutions often pay higher-than-average interest rates on savings accounts and charge lower-than-average rates on loans. They differentiate themselves with above-average service, competitive rates, and fewer fees.

How That Relates To You: It means that a Credit Union, as a financial cooperative, operates to provide its members (the owners) the best possible services at the best possible prices. As a not-for-profit, any ‘profit’ goes back to our members in the forms of better rates, services, and fees. We’re here to make your financial life easier and better!


On average, a CU household in Illinois saves $120 more than bank customers each year on interest and fees. With a checking account or loans, the household saves even more. (2013 study by CUNA)


What Sets FFCU Apart?

A Heritage of Member Connection

80 years, the common thread of a member-owned, Chicago based financial institution remains relevant.

First Financial CU was formed in 1936 to provide a safe place for employees of the AT&T Teletype Corporation to save and borrow money. In 2000, we transitioned to a community charter, allowing us to serve the northern Chicago area. Over the years, FFCU has steadily expanded and grown to become a strong institution serving over 8,000 members and the northern Chicagoland area.


A Part of Something Bigger

We support our community in multiple ways, including financial literacy workshops, event sponsorship, and funding for causes. It is our goal to instill financial responsibility and literacy among our members and the community.

In addition to supporting the local community, Credit Unions across the country work collaboratively to support each other. This allows for shared branching networks, joint community efforts and the exchange of ideas and practices to constantly improve overall Credit Union functions.


Our Values

    • Service: Our company is, and always has been local. That means there is consistent, accessible, accountable service supporting our products. Our banking culture focuses on transparency and great member service. Our employees listen, help and truly care about the financial success of our members.
    • Knowledge: Knowledge means the power and resources to serve our member’s needs. We harness the insight and experience of our lending and service teams to offer unsurpassed comprehension to accommodate all financial situations.
    • Integrity: We’re accountable to every member. Because we’re member-owned, financial success is a collaborative effort. We build and tailor financial solutions to serve our member’s real world needs. This understanding is clear from the lobby to the board room.


Mission Statement: Providing superior financial value with unsurpassed service while maintaining our tradition of stability, trust and security.