First Financial Federal Credit Union


391 Us Highway 9
Freehold, NJ 07728
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.03% 0.85% →
1-Year CD 0.10% 0.75% →
2-Year CD 0.20% 0.80% →
5-Year CD 0.25% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

First Financial is an NCUA insured institution located in Freehold, NJ. It was founded in 1936 and has approximately $203.78 millions in assets.

Who can join?

Anyone who lives, works, worships, or attends school in Monmouth or
Ocean Counties in NJ - can become a First Financial member.

Any business or legal entity in Monmouth or Ocean Counties in NJ can become a member.

Once you’re a member, your immediate family can join too.

You are also eligible for membership if you’re one of the union's financial partners.

NCUA Insured Yes / Federally Chartered
Charter Number # # 1021
Date Established 1936
Assets $203.78 million
Loans $89.90 million
Deposits $197.19 million
Capital $8.73 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer, or attend school in Monmouth or Ocean Counties in New Jersey.

Deposit Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.03% $2,500 $4,999 Learn More
Money Market
0.03% $2,500 $2,999 Learn More
Money Market
0.03% $10,000 $14,999 Learn More
Money Market
0.03% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.01% $10,000 $14,999 Learn More
6 Mo CD
0.01% $100,000 $199,999 Learn More
12 Mo CD
0.10% $10,000 $14,999 Learn More
12 Mo CD
0.10% $100,000 $199,999 Learn More
18 Mo CD
0.15% $10,000 $14,999 Learn More
18 Mo CD
0.15% $100,000 $199,999 Learn More
24 Mo CD
0.20% $10,000 $14,999 Learn More
24 Mo CD
0.20% $100,000 $199,999 Learn More
36 Mo CD
0.25% $10,000 $14,999 Learn More
36 Mo CD
0.25% $100,000 $199,999 Learn More
48 Mo CD
0.25% $10,000 $14,999 Learn More
48 Mo CD
0.25% $100,000 $199,999 Learn More
60 Mo CD
0.25% $10,000 $14,999 Learn More
60 Mo CD
0.25% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FIRST FINANCIAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Flagstar Bank, FSB
NMLS ID: 417490
3.304% 3.250% 0.63 $1,702 $1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are First Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

First Financial Locations

Climate Initiatives

FIRST FINANCIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

First Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
First Financial U.S. Average
8.22% 3.79

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2021, First Financial had $650,354 in non-current loans and $503,925 in owned assets. To cover these potential losses it had $8,733,521 in net worth and $5,306,768 in loans loss reserves. That gives it a Texas Ratio of 8.22%.

Net Worth
First Financial U.S. Average
4.46% 12.22%

First Financial FCU has a net worth of 4.46% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About First Financial

Branches and Savings

What is First Financial?

A federal credit union, registered with the NCUA under certificate #1021.
Learn more about credit unions here.

Is First Financial FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. First Financial is insured by the NCUA.

Who can join First Financial?

Please see Field of Membership information above for information on who is eligible to join.

What are First Financial's share account and share certificate rates?

First Financial's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is First Financial?

First Financial has total capital of $8.73 million. Full information on First Financial's financial position is located above.

Who owns First Financial?

Credit Unions are owned by their members.

Where are First Financial branches located?

See branch locations nearby.

Are First Financial ATMs Open 24/7?

Do First Financial ATMs accept cash deposits?

Can First Financial customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does First Financial have a mobile app?

Does First Financial have mobile deposit?

Does First Financial have quick pay?

How can First Financial transfer money to other banks or credit unions?

Does First Financial report to credit bureaus?

Does First Financial use Chexsystems?

Does First Financial use Equifax?

What is First Financial's toll free phone number?

What is First Financial's ACH Routing Number?

What is First Financial's SWIFT code?

Where can I find First Financial's wire transfer form?

What is the First Financial address for deposits?

What Products Does First Financial Offer

Does First Financial offer mortgages?

Compare mortgage rates here.

Does First Financial offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Financial offer auto and RV loans?

Compare auto loan rates here.

Does First Financial offer student loans or personal loans?

Compare personal loan rates here.

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