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First Financial Federal Credit Union Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
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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.
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| iEditorial Disclosure
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: May 15, 2026

You can compare First Financial Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.50%, 6-month share certificate rates at 3.17% and 3-month share certificate rates at 3.24%. Savings rates are at 1.01% and money market rates are at 0.35%. Mortgage rates on 30-year fixed loans are around 5.79%. All these rates can be compared to First Financial Federal Credit Union rates. 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 05/15/2026.

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.

Overall Health & Safety Grade ?
C+
Fair Health Score: 78/100
MonitorBankRates Rating ?
4.1
Excellent Out of 5.0 Stars
Texas Ratio ?
26.12%
Good Higher than avg
First Financial Federal Credit Union
Administrative Office
391 US Highway 9
Freehold, NJ 07728 8562
https://www.firstffcu.com
Member NCUA

Current Rate Availability

We do not have First Financial Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates 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

Customer Reviews

There are no reviews for First Financial Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About First Financial Federal Credit Union

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.

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