First Financial Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 17^th largest credit union in the state of New Jersey. It is also the 1,319^th largest credit union in the nation. It was established in 1936 and as of December of 2024, it had grown to 48 employees and 15,042 members at 4 locations. First Financial Federal Credit Union has a C+ 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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Health

C+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	1021
Year Chartered	1936
Employees	48
Primary Regulator

Profit Margin
Return on Assets - YTD	1.12%
Return on Equity - YTD	21.48%
Annual Interest Income	$7.4MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$185.2MM$194.4MM
Loans	Q4 2024vs Q4 2023	$109.8MM$104.8MM
Deposits	Q4 2024vs Q4 2023	$175.4MM$187.7MM
Equity Capital	Q4 2024vs Q4 2023	$9.6MM$6.5MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$2.7MM$3.1MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$3.3MM$4.1MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking
CD
IRA

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* 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

APY	MIN	MAX	ACCOUNT NAME
0.03%^*	$1	$50k	Base Savings
OTHER TIERS: 0.01% → $250k+ \| 0.02% → $50k - $250k
0.03%	$100	-	Special Savings
0.03%	$100	-	Kids Accounts
0.03%	$100	-	Holiday Club
0.03%	$100	-	Summer Savings

First Financial Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.03%^*	$1k^*	$50k	Premium Money Market
OTHER TIERS: 0.01% → $100k+ \| 0.02% → $50k - $100k

First Financial Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$1k	-	First Class Checking
0.05%	$0	-	Free Business Checking
0.05%	$0	-	Premium Business Checking
0.03%^*	$25k^*	$100k	High Yield Checking
OTHER TIERS: 0.01% → $100k+

First Financial Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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
0.03%	$100	-	IRA Savings

Locations

First Financial Federal Credit Union Locations
Branch Office	783 Wayside Rd	Neptune, NJ 07753
Branch Office	391 US Highway 9	Freehold, NJ 07728-8562
Branch Office	1360 Route 9	Toms River, NJ 08755
Branch Office	389 US Highway 9	Freehold, NJ 07728

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