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First Financial Federal Credit Union


Overview / Commentary
www.firstffcu.com
732-312-1500
391 US Highway 9
Freehold, NJ 07728

First Financial Federal Credit Union is headquartered in Freehold and is the 16th largest credit union in the state of New Jersey. It is also the 1,230th largest credit union in the nation. It was established in 1936 and as of June of 2023, it had grown to 38 employees and 16,383 members at 4 locations. First Financial Federal Credit Union has a D health rating.

Field of Membership Restrictions

Membership in First Financial Federal Credit Union is open to those who live, work, worship, volunteer, or attend school in Monmouth or Ocean Counties in New Jersey.
See current membership details

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Reviews (2)

Excellent Financial Institution

Posted by: |

I heard about First Financial through my employer and refinanced my auto loan through them. The process was very easy and it saved me a lot of money! The branch staff was friendly and knowledgeable. What a breath of fresh air coming from a bank. I would highly recommend this institution.

1

Not Your Friendly Neighborhood Bank Anymore

Posted by: |

The quality of service has dropped tremendously the last couple of years. You can't get through on the phone anymore, and you can't speak to anyone above a supervisor level. You used to be able to call and get someone who could handle your phone call and help you out. Now it's just rude an anonymous phone clerk who think they are judge judy. They have final say and they won't let you talk to anyone. They put you in the system so you keep getting the same annoying supervisor. They won't even give you another supervisor. It's a shame. Me and my family had to stop using them and switch to our neighborhood TD bank where everyone is nice to us again.

6


Health
D

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #1021
Year Chartered1936
Employees38
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD18.7%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$209.2MM$213.0MM
LoansQ2 2023vs Q2 2022$100.0MM$87.3MM
DepositsQ2 2023vs Q2 2022$203.5MM$207.8MM
Equity CapitalQ2 2023vs Q2 2022$5.1MM$5.1MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$4.0MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$4.3MM$6.1MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not First Financial Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Financial Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%*$1$50kBase Savings
OTHER TIERS: 0.01% → $250k+ | 0.02% → $50k - $250k
0.03%$100-Special Savings
0.03%$100-Kids Accounts
0.03%$100-IRA Savings
0.03%$100-Holiday Club
0.03%$100-Summer Savings

First Financial Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%*$1k*$50kPremium Money Market
OTHER TIERS: 0.01% → $100k+ | 0.02% → $50k - $100k

First Financial Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-First Class Checking
0.05%--Free Business Checking
0.05%--Premium Business Checking
0.03%*$25k*$100kHigh Yield Checking
OTHER TIERS: 0.01% → $100k+

First Financial Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$500-36 Month Savings Certificate
0.25%$500-48 Month Savings Certificate
0.25%$500-60 Month Savings Certificate
0.25%$500-72 Month Savings Certificate
0.25%$50k-36 Month Mini Jumbo Savings Certificate
0.25%$50k-48 Month Mini Jumbo Savings Certificate
0.25%$50k-60 Month Mini Jumbo Savings Certificate
0.25%$50k-72 Month Mini Jumbo Savings Certificate
0.20%$500-24 Month Savings Certificate
0.20%$50k-24 Month Mini Jumbo Savings Certificate
0.15%$500-18 Month Savings Certificate
0.15%$50k-18 Month Mini Jumbo Savings Certificate
0.10%$500-12 Month Savings Certificate
0.10%$50k-12 Month Mini Jumbo Savings Certificate
0.05%$500-9 Month Savings Certificate
0.05%$50k-9 Month Mini Jumbo Savings Certificate
0.01%$500-6 Month Savings Certificate
0.01%$50k-6 Month Mini Jumbo Savings Certificate

First Financial Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$500-36 Month IRA
0.25%$500-48 Month IRA
0.25%$500-60 Month IRA
0.25%$500-72 Month IRA
0.10%$500-12 Month IRA
0.10%$500-24 Month IRA
Locations


First Financial Federal Credit Union Locations
Branch Office783 Wayside RdNeptune, NJ 07753
Branch Office391 US Highway 9Freehold, NJ 07728-8562
Branch Office1360 Route 9Toms River, NJ 08755
Branch Office389 US Highway 9Freehold, NJ 07728

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