First Financial Rio Rancho NM Credit Union | Affordable Auto Loans & Low Mortgage Rates

Introduction

Welcome to First Financial, where we believe in building strong relationships with our members and the community we serve! Located at 2201 Rio Rancho Blvd SE, Rio Rancho, NM 87124, our branch has been a trusted financial partner since 1937. With over 93,000 members, we pride ourselves on providing personalized service tailored to meet your unique needs. At First Financial, we understand that financial stability is key to achieving your dreams. That's why we manage an impressive $921,720,160 in total assets, ensuring that you have access to the resources you need. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, we've got you covered. Our commitment is reflected in our robust offerings which include over 44,754 loans and leases totaling more than $79301189 in deposits. Under the leadership of our dedicated CEO, Ronald Moorehead, and Board President Loretta Montoya, our team of 279 employees is here to provide you with reliable guidance and support. We strive to make every interaction meaningful, whether it's through our lobby hours or convenient online banking services available at ffnm.org. While members can visit us at our branch address, official correspondence should be sent to PO Box 25587, Albuquerque, NM 87125. We invite you to reach out by calling us at 505-766-5600 or visiting our website for more information about how we can assist you on your financial journey. Join us at First Financial where your success is our priority!

Branch History & Mission

Community Engagement

First Financial is deeply committed to community outreach. We believe in giving back through partnerships with local organizations and initiatives that support education, health, and economic development. By investing in our community, we help create a brighter future for all residents of Rio Rancho. While members can visit us at 2201 Rio Rancho Blvd SE for personalized service or drive-thru banking options available during convenient hours (Monday through Saturday), official correspondence should be sent to PO Box 25587, Albuquerque, NM 87125 if needed.

Join Us

We invite you to experience the difference at First Financial. Whether you're looking for reliable banking solutions or want to join a community-focused organization that cares about your success our doors are open! Call us today at 505-766-5600 or visit us online at www.ffnm.org for more information on how you can become part of our growing family. Together, let's build a brighter financial future!

Our Journey

Located at 2201 Rio Rancho Blvd SE, Rio Rancho, NM 87124, First Financial began its journey with a mission to serve its members with integrity and care. Over the decades, we have evolved alongside the community, adapting our services to meet the changing needs of our growing membership base, which now stands at an impressive 93,434 individuals. Our commitment to member satisfaction has propelled us to accumulate total assets of $921,720,160, making us a trusted financial partner for many. As we look back on our history, we take pride in our milestones. From humble beginnings to becoming a leader in personal banking and business services in Sandoval County, we have continuously strived for excellence. Our headquarters in Albuquerque provides strong support to our branch operations and reinforces our dedication to serving New Mexico residents.

Our Mission

At First Financial, we believe that everyone deserves access to quality financial services that empower them to achieve their dreams. Our mission is straightforward: to improve the financial well-being of our members while actively contributing to the betterment of our community. We are not just about numbers; we are about relationships. We aim to provide personalized solutions that cater to individual needs, whether it's through checking and savings accounts, auto loans, mortgages, or business banking services. We also embrace technology as part of our mission. Members can enjoy online and mobile banking options for convenience and accessibility. With features like mobile payments and e-statements, managing your finances is easier than ever.

Branch Location & Accessibility

Accessibility and Features

We pride ourselves on being accessible to everyone. Our branch is equipped with ADA-compliant features to ensure a comfortable experience for all members and visitors. You will find ample parking available right outside the entrance, allowing for easy access whether you're driving or walking in. Our operating hours are designed to fit into your busy schedule. We're open Monday through Tuesday from 8:50 AM to 5:30 PM, Wednesday from 10:00 AM to 5:30 PM, Thursday and Friday from 8:50 AM to 6:00 PM, and Saturday from 9:00 AM to 2:00 PM. Need help outside of these hours? No problem! We also offer drive-thru banking services with extended hours that start at 8:30 AM on weekdays and at 9:00 AM on Saturdays.

Services Offered

At First Financial, we believe in providing comprehensive services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have you covered. Our drive-thru offers quick access for deposits and withdrawals, while our ATM is available for your convenience as well. Whether you're a long-time member or new to our community, we invite you to visit us or give us a call at 505-766-5600. Experience firsthand the welcoming service that makes First Financial more than just a credit union it's your trusted partner in financial wellness!

Member Eligibility

At First Financial, we believe that everyone deserves a place in our community. Becoming a member is simple and welcoming, designed for those who seek to be part of something special. To join us at First Financial, you'll need to meet a few friendly eligibility criteria. Primarily, membership is open to anyone living, working, or worshiping in the area around 2201 Rio Rancho Blvd Se Rio Rancho Nm 87124. We value inclusivity and want to ensure that our services are accessible to as many people as possible. Once you know you're eligible, opening an account is just as easy! You can get all the details about how to start your journey with us by visiting this link. If you have any questions or need assistance, don't hesitate to give us a call at (505) 766-5600. We're here to help you take that first step towards better financial health and being part of a supportive community at First Financial!

Business Banking & Commercial Services

Commercial Loan Options

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

Imagine having a reliable partner who can help you streamline payments and enhance customer satisfaction. Our merchant services do just that. They allow you to accept payments easily, whether it's online or in-store, giving your customers the convenience they expect. This means more satisfied customers and potentially increased sales for your business. Located at 2201 Rio Rancho Blvd Se Rio Rancho Nm 87124 in Rio Rancho, NM, we're here to support your business goals. Call us at (505) 766-5600 or visit us today to learn more about how we can help your business succeed!

Comprehensive List Of Services

Business Banking Support

If you're a business owner, you'll find valuable resources at First Financial too. Our business banking services, including merchant services and business loans, can help fuel your company's growth. We understand the challenges of running a business, and we're here to support you every step of the way.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options that allow you to manage your accounts anytime, anywhere. Whether you're paying bills or transferring money between accounts, everything is just a few clicks away. Our members also benefit from easy access to ATMs for cash withdrawals and balance checks.

Drive-Thru Services

For those times when you need quick assistance, our basic drive-thru banking lets you complete simple transactions like deposits and withdrawals without leaving your car. It's just another way we make banking easier for you! At First Financial, we believe managing your finances should be straightforward and accessible. If you're ready to explore how our services can benefit you, don't hesitate to reach out! Give us a call at (505) 766-5600, visit us in person at 2201 Rio Rancho Blvd Se Rio Rancho Nm 87124, or check out our website at Rio Rancho Branch for more information. Your financial journey starts here let us help guide the way!

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts that help you manage your everyday expenses while saving for the future. Our auto loans and vehicle financing options make it easier than ever to get behind the wheel of your dream car without breaking the bank. If homeownership is on your mind, our mortgage loans and refinancing programs provide flexible terms to fit your budget. For those unexpected expenses or projects, consider our personal loans and debt consolidation services that help simplify your financial life. Plus, our credit cards with rewards let you earn points on everyday purchases, giving you more value for your spending.

Digital & Online Banking

Key Services

Explore our robust online banking services at https://www.ffnm.org/. You can access your accounts 24/7, allowing you to check balances, transfer funds, and pay bills with just a few clicks. Our electronic signature authorization makes it simple to complete transactions without the hassle of paperwork. Plus, you'll love the convenience of e-statements, which let you go green while keeping track of your financial history effortlessly. Need to send money to a friend or family member? Our person-to-person transfer feature allows you to send funds instantly, making it easy to share expenses or gifts. If you're on the go, our mobile application provides all the functionalities you need right at your fingertips. Whether you're making mobile payments or checking your account balance, everything is streamlined for your convenience.

Security and Accessibility

Security is a top priority for us. With advanced encryption and security measures in place, you can rest assured that your personal information is protected while you bank online. Our mobile payments feature also adds an extra layer of safety when making purchases. At First Financial, we believe that accessibility should be effortless. Our online banking services are designed for ease-of-use, ensuring that you can manage your finances in real-time without any technical hurdles. Whether you're at home or out and about, you have everything you need right in your pocket. Experience the future of banking with First Financial where convenience meets security!

Financial Strength

Growing Member Base

The trust placed in us by our growing community is evident through our total share accounts standing at 178,113. This number shows a strong member base that relies on us for their financial needs. 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 2201 Rio Rancho Blvd Se Rio Rancho Nm 87124 or call (505) 766-5600 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is highlighted by our $0, which allows 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 dedicated to serving you with a knowledgeable team.

Reinvesting in Our Community

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 your financial goals across various sectors; we have $8,207 in used auto loans and $669,977,443 in total loans and leases available for your needs.

Secure Savings Opportunities

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.

Strong Financial Health

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 financing options that fit your budget and lifestyle. Plus, if you're considering refinancing an existing auto loan, we can help you explore eligibility options to potentially lower your monthly payments.

Business Loans

For business owners, our outstanding commercial loans totaling $22,568,420 provide the capital needed to grow and expand. Whether you need funds for equipment purchases or operational expenses, we're here to support your business journey. At First Financial, we believe that everyone deserves access to affordable financial products. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you have any questions or wish to explore our offerings further, please don't hesitate to contact us at 505-766-5600 or visit us at 2201 Rio Rancho Blvd SE, Rio Rancho NM 87124. We're here to help you every step of the way!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $18,848,638 in loans helping members manage their finances effectively. These credit cards come with benefits designed to support your spending habits while keeping costs low.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $36,359,992, making buying or refinancing simple. We offer competitive interest rates and flexible terms to help you secure the home of your dreams.

Loan Aggregator

Accurate Loan 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 ensures that all offers are fair and transparent. Each listed loan comes from legitimate financial institutions, giving users confidence in their choices.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results so users can find the best options without hidden agendas. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions. This helps them make informed decisions tailored to their financial needs. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in delivering real savings and peace of mind. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

First Financial