First Financial Federal Credit Union
391 Us Highway 9
Freehold, NJ 07728
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2023 Overview
General Credit Union Information
First Financial is an NCUA insured institution located in Freehold, NJ. It was founded in 1936 and has approximately $209.5 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 | $209.50 million |
| Loans | $91.05 million |
| Deposits | $204.83 million |
| Capital | $9.32 million |
Field of Membership Restrictions
Deposit Rates - March 26, 2023
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.03% | $2,500 | $4,999 |
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|
|
Money Market
|
0.03% | $2,500 | $2,999 |
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|
|
Money Market
|
0.03% | $10,000 | $14,999 |
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|
|
Money Market
|
0.03% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.01% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.01% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.10% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.10% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.15% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - March 26, 2023
Your Current Location: Virginia, VA 20146
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 - Virginia 30 Year Fixed Mortgage Rates 2023
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1907 |
6.048% | 5.875% | 0.88 | $4,688 | $1,479 | Learn More |
NMLS ID: 1429243 |
5.778% | 5.690% | 1.00 | $2,412 | $1,450 | Learn More |
NMLS ID: 3030 |
6.518% | 6.375% | 1.00 | $3,750 | $1,560 | Learn More |
NMLS ID: 3030 |
6.632% | 6.500% | 0.88 | $3,438 | $1,581 | Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2023
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
6.740 %
|
$0 |
Learn More
More Info |
Note to First Financial
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
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:
Ashburn,Virginia
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 |
|---|---|
| 6.37% | 4.63 |
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 September 30, 2022, First Financial had $337,253 in non-current loans and $503,925 in owned assets. To cover these potential losses it had $9,321,220 in net worth and $3,892,220 in loans loss reserves. That gives it a Texas Ratio of 6.37%.
Net Worth
| First Financial | U.S. Average |
|---|---|
| 4.46% | 12.52% |
First Financial FCU has a net worth of 4.46% versus the BestCashCow average of 12.52. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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