Become a Member

Don’t Just Bank, Belong.®

See How You’re Eligible 
HomeMembershipBecome a Member

Be part of something bigger with First Financial

When you join us, you become a member-owner of a not-for-profit financial cooperative. What does that mean?

  • Better Rates

    We return profits to our members in the form of better rates so you can earn more.

  • Low fees… or no fees at all

    We return our earnings to members with low (or no) fees to help you save more.

  • Community Service

    We know volunteering and giving back makes our communities stronger.

  • Financial Education

    We’re committed to helping you achieve your best financial life with free tools and resources.

    When you join First Financial, you're a member for life.

    If you or a family member works for a company within our Field of Membership, you can join First Financial! Membership is open to many educators, students, health care workers, federal employees, and select partner groups within Maryland. Plus you’re eligible if you’re:

    • an immediate family member* of an employee of one of our partner groups
    • a volunteer at an affiliated partner group
    • a student at an affiliated school or college, along with their immediate family members*
    • a member of the Maryland Consumer Council

    Once you belong, you’re a member for life even if you change jobs or relocate. We have branch locations in Maryland, but digital banking makes it easy to access your account from anywhere.

    Join Now 

    Join us today!

    Are you an employee, student, volunteer, or retiree at one of our partner groups?

    ClickSWITCH makes switching your direct deposit simple.

    ClickSWITCH is the fast, secure, and easy way to initiate or move direct deposits to a new or existing First Financial checking account.
    Learn More

    Better checking with a side order of rewards.

    Easy requirements, no minimums, and no monthly maintenance fees coming right up!
    Learn More

    Become a Partner

    By offering your employees access to a First Financial membership and becoming a Partner Group, you will be partnering with us to offer your employees a path to financial wellness.

    Put your team first – just like we do!

    Learn More 

    *Immediate family members are defined as a spouse, child/stepchild, sibling/step-sibling, parent/stepparent, grandparent, grandchild or adoptive relation of an eligible member. The family member does not need to live in the same residence. Household members are individuals living in the same residence and maintaining a single economic unit.