First Financial Gallup NM Credit Union | Affordable Auto Loans & Business Banking

Introduction

At First Financial, we believe in the power of community and the importance of fostering strong relationships with our members. Established in 1937, our branch, located at 1383 Us Highway 491, Gallup, NM 87301, has been a trusted partner for financial needs for decades. With a total membership of 93,434 individuals, we are dedicated to providing personalized service that helps our members achieve their financial goals. While you can visit us at our Gallup location, please note that official correspondence should be sent to our mailing address at PO Box 25587, Albuquerque, NM 87125-0587. With total assets exceeding $921 million and deposits amounting to $79,301,189, First Financial stands strong in delivering secure banking solutions. We offer a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. Our commitment to our members is reflected not only in our robust financial health but also through our dedicated team of 279 employees, led by CEO Ronald Moorehead and Board President Loretta Montoya. We understand that managing finances can be overwhelming at times. That's why we're here to help! Whether you're looking to finance a new vehicle or open a savings account, our knowledgeable staff is ready to assist you every step of the way. You can reach us at 505-766-5600 for any inquiries or assistance. Join us today and discover how First Financial can make a difference in your financial journey! Visit us online at our website or come by and see us in person. Your future starts here!

Branch History & Mission

At First Financial, our story began in 1937, nestled in the heart of Gallup, NM. Over the decades, we have grown from a small local financial institution into a thriving credit union with a total membership of over 93,000 members. Our branch, located at 1383 Us Highway 491, has been a cornerstone of the community, providing essential financial services and fostering relationships built on trust and integrity. From our humble beginnings, we have evolved to meet the changing needs of our members. Our mission is simple yet powerful: to improve the financial well-being of our members and their communities. We believe in providing accessible banking services that empower individuals and families. Whether it's through personal banking options like checking and savings accounts or offering auto loans and mortgages, we strive to be a reliable partner in your financial journey. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to PO Box 25587, Albuquerque, NM 87125-0587 if it differs from the branch address. First Financial is committed to embracing technology for our members' convenience. We offer online and mobile banking options that allow you to manage your finances anytime, anywhere. Our drive-thru service makes quick transactions easy for those on the go, while our ATMs provide additional access to your funds without delay. Our dedication extends beyond just banking; we actively participate in community outreach efforts. We collaborate with local organizations to support initiatives that promote financial literacy and economic growth within Gallup and surrounding areas. These partnerships are vital as we aim not only to serve but also uplift our community. As we look ahead, we remain focused on enhancing member experiences and expanding our offerings. With total assets reaching an impressive $921 million, we are well-positioned to continue supporting our members' dreams and aspirations. Join us at First Financial today! Experience firsthand how we can help you achieve your financial goals while being part of a community-focused credit union that truly cares about its members. Reach out to us at 505-766-5600 or visit our website for more information on how you can become part of our family!

Branch Location & Accessibility

Welcome to First Financial! Conveniently located at 1383 Us Highway 491 Gallup Nm 87301, our branch in beautiful Gallup, NM is designed to serve you with ease and comfort. Whether you're stopping by for a quick transaction or need assistance with your financial goals, our welcoming environment is here to make your banking experience enjoyable. While you can visit us at 1383 Us Highway 491 Gallup Nm 87301, please note that if you need to send any official correspondence, it should be directed to our mailing address at PO Box 25587, Albuquerque, NM 87125-0587. Our location is easily accessible, situated near notable landmarks like [insert nearby landmark], making it easy for you to find us. We pride ourselves on providing a comfortable experience for all members. Parking is available right outside the entrance, and our facility meets ADA standards, ensuring everyone can access our services without hassle. With a dedicated drive-thru service, banking has never been more convenient ideal for those on the go! Our operating hours are currently listed as "Hours Closed Until Further Notice," so be sure to plan your visit accordingly. For any questions or additional information, don't hesitate to reach out to us at (505) 766-5600. At First Financial, we offer a variety of services tailored just for you from personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards. Plus, enjoy the ease of online and mobile banking whenever you need it. We invite you to come by and explore all that we have to offer. Our friendly team is eager to assist you with your financial needs. Visit us today and discover how we can help you achieve your financial dreams!

Member Eligibility

At First Financial, we believe that everyone deserves a chance to be part of a caring community. Becoming a member is simple and welcoming! If you live, work, or worship in the area, or if you have family who are already members, you're likely eligible to join us. We're here to support you with great benefits like lower fees, competitive loan rates, and personalized service that makes banking feel more like home. To learn more about the specific eligibility criteria, check out this resource: . Opening an account is just as straightforward our friendly staff at 1383 Us Highway 491 Gallup Nm 87301 can guide you through every step. Whether you want to visit us in person or give us a call at (505) 766-5600, we're excited to help you start your journey with First Financial. Join our family today and discover how we can help you achieve your financial goals!

Business Banking & Commercial Services

Financing Options that Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $79 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $77 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $22,568,420, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Sense

Imagine being able to process payments quickly while keeping your customers happy. Our merchant services simplify transactions so you can focus on what matters growing your business. From card processing to online payment solutions, we provide tools that make handling money easier and more efficient. Located at 1383 Us Highway 491 Gallup Nm 87301 in Gallup, NM, we're here to be your trusted partner in success. Reach out today at (505) 766-5600 to learn how we can help your business thrive!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

When it comes to purchasing a car, auto loans and vehicle financing options at First Financial make it simple. Picture yourself driving off in your dream car without the stress of complicated loan processes. Our competitive rates and friendly service ensure that you'll find a financing plan that fits your budget perfectly.

Business Banking

For entrepreneurs out there, our business banking services include merchant services and business loans tailored for growth. We understand the challenges of running a business and are committed to providing solutions that support your success.

Convenient Access

We also prioritize convenience with features like ATM and cash withdrawal services, along with basic drive-thru banking options for deposits and withdrawals. You can access cash quickly or handle simple transactions without ever needing to step inside the branch. At First Financial in Gallup at 1383 Us Highway 491 (you can reach us at 505-766-5600), we strive to offer comprehensive financial solutions that fit your lifestyle. Whether it's online banking or traditional services, we are here for all your financial needs. Ready to take the next step? Visit us today or explore our website at ffnm.org for more information about how we can serve you better!

Credit Cards with Rewards

For those who love earning while spending, our credit cards with rewards offer great benefits for everyday purchases. Picture accumulating points that can lead to travel perks or cashback bonuses just by using your card wisely!

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans and refinancing services provide members with guidance throughout the home-buying journey. We know that securing a mortgage can be daunting, but our experienced team is here to help you navigate through the options available, making the process smoother for you.

Personal Banking

Starting with personal banking, we offer checking and savings accounts that cater to various lifestyles. If you're saving for a vacation or just want easy access to your funds, our accounts are flexible and user-friendly. Imagine being able to manage your finances from the comfort of your home using our online and mobile banking platforms. You can check balances, transfer funds, and even pay bills right from your phone.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans are an excellent resource. Imagine having peace of mind knowing that you have access to funds when life throws you curveballs. With straightforward terms and competitive rates, we aim to help you regain control over your finances.

Digital & Online Banking

Key Features

Our services come packed with user-friendly features. Want to send money quickly to friends or family? Our person-to-person transfer option makes it simple and fast. Plus, with mobile payments, you can make purchases directly from your smartphone without the hassle of cash or cards. If you're concerned about security, rest assured: we provide electronic signature authorization for all transactions, ensuring that your activities are safe and secure. For those who prefer going paperless, e-statements are available, allowing you to receive your account statements digitally while helping the environment.

Mobile Application

For even more convenience, download our mobile application! With it, you can access all of our banking features right from your phone. Whether you want to deposit checks or review recent transactions while out and about, everything is at your fingertips. At First Financial, we prioritize making banking accessible and straightforward for everyone. Experience the ease of managing your finances with our digital tools today!

Financial Strength

A Growing Trust

Total Share Accounts: 178,113, showing a strong and growing member base that trusts us with their finances. This growth is vital as it underlines the community's confidence in our ability to manage their money effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Financial is your trusted partner. Visit us at 1383 Us Highway 491 Gallup Nm 87301 or call (505) 766-5600 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Centric Savings Options

Members' savings are secured through $141,541,690 in share certificates and $80,309,616 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 264 full-time employees and 15 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $68,695,002 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $8,207 in used auto loans and $669,977,443 in total loans and leases.

Solid Financial Foundation

With a net worth of $81,542,101, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $914 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $186,590,923 in used vehicle loans and $240,607,171 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to ensure you can find the right financing option for your next vehicle.

Business Financing

For business owners, our outstanding commercial loans totaling $22,568,420 provide the capital needed to grow and expand your operations. We understand that running a business comes with its own set of challenges; that's why we offer tailored solutions to help you succeed. If you're interested in any of our loan products or want more information about refinancing options and eligibility criteria, please don't hesitate to reach out at 505-766-5600. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. At First Financial, we're committed to providing personalized service and expert guidance to help you navigate your financial future.

Credit Lines and Unsecured Credit Cards

For those seeking additional financial flexibility, our total credit lines reach $140,135,343. We also provide flexible terms on unsecured credit card loans, with a total of $18,848,638 helping members manage their finances effectively. These options allow you to handle unexpected expenses or make larger purchases without straining your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $36,359,992. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This approach guarantees that users are presented with fair and transparent offers. The platform prioritizes verified data from legitimate financial institutions, ensuring that all loan offers are credible and trustworthy.

First Financial