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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 First Financial Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
First Financial Federal Credit Union's 36 month Savings CD rates are at 0.25%, 36 month Savings CD (Mini Jumbo) rates are at 0.25%, 48 month Savings CD rates are at 0.25%, 48 month Savings CD (Mini Jumbo) rates are at 0.25%, 60 month Savings CD rates are at 0.25%. First Financial Federal Credit Union's 10 Year Fixed Conforming rates are at 5.38%, 15 Year Fixed Conforming rates are at 5.62%, 20 Year Fixed Conforming rates are at 5.88%, 30 Year Fixed Conforming rates are at 6.00%. First Financial Federal Credit Union's Personal Loan Rates are at 10.24%. MonitorBankRates evaluates the financial stability of First Financial Federal Credit Union with a 4.1 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 26.12%. Rates were last updated on 04/17/2026. First Financial Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Financial Federal Credit Union? Share your experience about First Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Financial Federal Credit Union. First Financial Federal Credit Union
Administrative Office 391 US Highway 9
https://www.firstffcu.com Freehold, NJ 07728 8562 
First Financial Federal Credit Union CD Rates
First Financial Federal Credit Union Mortgage Rates
First Financial Federal Credit Union Home Equity & HELOC
First Financial Federal Credit Union Auto Loan Rates
First Financial Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Financial Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather First Financial Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Financial Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Financial Federal Credit Union
Website
https://www.firstffcu.com
Address
391 US Highway 9,
Freehold, NJ 07728 8562
Phone
732-312-1500
Fax
732-312-1526
President
Earl Sutton JR
CEO
Issa Stephan
Full-Time Employees
49
Part-Time Employees
3
Branch Locations
4
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.1 / 5.0 ★
Overall Health & Safety Grade
C+ (78/100)
Texas Ratio
26.12%
Return on Assets (ROA)
0.5388%
Return on Equity (ROE)
6.8202%
Non-Performing Loans Ratio (NPL)
3.29%
Total Assets
173,147,088
Total Amount of Shares and Deposits
161,341,263
Total Shares and Deposits < 1 Year
160,309,881
Total Shares and Deposits 1 3 Years
821,580
Total Shares and Deposits > 3 Years
209,802
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,802,847
Total Uninsured Shares and Deposits > $250K (F+J)
5,802,847
Total Insured Shares and Deposits > $250K (item 17 less item K)
155,538,416
Total Interest Expense (Sum of items 6 8)
35,748
Share Certificates
246
Number of Accounts for Share Drafts
7,091
IRA KEOGH Accounts
148
Number of Accounts for Regular Shares
18,263
Money Market Shares
639
Net Income (unless the amount is already included in Undivided Earnings)
83,472
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,513,803
Total Liabilities
161,740,615
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About First Financial Federal Credit UnionIs First Financial Federal Credit Union a safe place to deposit money?Yes, First Financial Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 26.121985302058%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does First Financial Federal Credit Union operate?First Financial Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join First Financial Federal Credit Union?Yes, to access services at First Financial Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, First Financial Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Financial Federal Credit Union offer online and mobile banking?Most modern institutions like First Financial Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstffcu.com. Current First Financial Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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