FIRST FINANCIAL CREDIT UNION Routing Number 312276085 — ALBUQUERQUE, NM

About Routing Number 312276085 — FIRST FINANCIAL CREDIT UNION

Routing number 312276085 is the official 9-digit ABA routing number registered to FIRST FINANCIAL CREDIT UNION at 601 TIJERAS AVENUE NW, ALBUQUERQUE, NM 87102. It is registered with the American Bankers Association and the Federal Reserve E-Payments Routing Directory. This number is used exclusively within the US domestic payment system — for ACH transfers, direct deposits, check processing, and domestic wire transfers routed through Fedwire. It cannot be used for international transfers, which require a SWIFT/BIC code.

How to Read Routing Number 312276085

The 9-digit number 312276085 is structured in three segments: 3122 is the Federal Reserve routing symbol — the first two digits identify the Federal Reserve district and the next two identify the specific Federal Reserve processing office handling FIRST FINANCIAL CREDIT UNION's transactions. 7608 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to FIRST FINANCIAL CREDIT UNION. 5 is the check digit — a single digit calculated from the first eight digits using a weighted sum formula (3-7-1 multipliers). Payment processing systems run this calculation in real time to catch routing number entry errors before any funds move.

ACH, Direct Deposit, and Wire — When to Use 312276085

• Direct Deposit — Payroll and Government Payments: Provide routing number 312276085 and your account number to set up payroll direct deposit, IRS tax refunds, Social Security, VA benefits, or any recurring government payment.
• ACH Transfers — Bill Payments and Bank Transfers: Enter 312276085 when authorising electronic debits or credits — utility bills, insurance premiums, subscription services, or bank-to-bank transfers via NACHA's ACH network.
• Check Payments: This routing number is printed at the bottom-left of every FIRST FINANCIAL CREDIT UNION personal check in ALBUQUERQUE — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with FIRST FINANCIAL CREDIT UNION whether 312276085 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 312276085 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find FIRST FINANCIAL CREDIT UNION's SWIFT code at the SWIFT Code Lookup.
• Indian bank transfers (NEFT, RTGS, IMPS, UPI) — require an IFSC code. Use the IFSC Code Lookup.
• Cheque clearing in India — requires a MICR code. Use the MICR Code Lookup.

How to Verify Routing Number 312276085 Is Correct

Before using 312276085 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a FIRST FINANCIAL CREDIT UNION personal check — the routing number must match. (2) Log into FIRST FINANCIAL CREDIT UNION online banking under Account Details. (3) Cross-check against the Federal Reserve routing directory. BankZop sources all routing data from official ABA and Federal Reserve records as of Jun 2026.

Browse more FIRST FINANCIAL CREDIT UNION routing numbers in NM or across all states. For all US banks, visit the Routing Number Lookup. For international transfers, use the SWIFT Code Lookup. For loan EMI planning, try the EMI Calculator.