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First Financial Federal Credit Union Rates & Review October 2026

First Financial Federal Credit Union's top rates as of October 12, 2026 are 0.25% APY on its 36 Month Savings CD, 0.03% APY on savings, 0.03% APY on money market accounts, 0.05% APY on checking, 6.38% on its First Mortgages - 10 Years, personal loans from 6.61% APR, and credit cards from 14.40% APR, according to rates verified by MonitorBankRates. Other First Financial Federal Credit Union CD rates include 36 Month Savings CD at 0.25%, 48 Month Savings CD at 0.25%, and 48 Month Savings CD at 0.25%. Other First Financial Federal Credit Union mortgage rates include First Mortgages - 15 Years at 6.50%, First Mortgages - 20 Years at 6.50%, and Current Mortgage - 20 Year Fixed Conforming at 6.38%. MonitorBankRates evaluates the financial stability of First Financial Federal Credit Union with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.97%. Rates last updated and verified on 10/12/2026.

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 ?
B+
Good Health Score: 89/100
MonitorBankRates Rating ?
4.8
Excellent Out of 5.0 Stars
Texas Ratio ?
17.97%
Good Higher than avg
Health Trend ?
Improving 12 quarters
Full history ›
First Financial Federal Credit Union
Administrative Office
391 US Highway 9
Freehold, NJ 07728-8562
https://www.firstffcu.com
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

First Financial Federal Credit Union CD Rates

Product Rate APY Term View More
36 Month Savings Certificate 0.25% 0.25% 36 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 25, 2026: 0.25% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
36 Month Savings Certificate 0.25% 0.25% 36 Months
Min Deposit $10,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 25, 2026: 0.25% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
48 Month Savings Certificate 0.25% 0.25% 48 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 25, 2026: 0.25% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
48 Month Savings Certificate 0.25% 0.25% 48 Months
Min Deposit $10,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 25, 2026: 0.25% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
60 Month Savings Certificate 0.25% 0.25% 60 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 25, 2026: 0.25% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
60 Month Savings Certificate 0.25% 0.25% 60 Months
Min Deposit $10,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 25, 2026: 0.25% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
24 Month Savings Certificate 0.20% 0.20% 24 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 25, 2026: 0.20% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
24 Month Savings Certificate 0.20% 0.20% 24 Months
Min Deposit $10,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 25, 2026: 0.20% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
18 Month Savings Certificate 0.15% 0.15% 18 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
18 Month Savings Certificate 0.15% 0.15% 18 Months
Min Deposit $10,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
12 Month Savings Certificate 0.10% 0.10% 12 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 25, 2026: 0.10% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
12 Month Savings Certificate 0.10% 0.10% 12 Months
Min Deposit $10,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 25, 2026: 0.10% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
9 Month Savings Certificate 0.05% 0.05% 9 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
9 Month Savings Certificate 0.05% 0.05% 9 Months
Min Deposit $10,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
6 Month Savings Certificate 0.01% 0.01% 6 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Sep 25, 2026: 0.01% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
6 Month Savings Certificate 0.01% 0.01% 6 Months
Min Deposit $10,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Sep 25, 2026: 0.01% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%

First Financial Federal Credit Union Savings Rates

Product Rate APY View More
Base Savings (Silver) 0.03% 0.03%
Min Deposit $5
Min Balance $25,000
Details Balance: $25,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Sep 25, 2026: 0.03% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Holiday Club 0.03% 0.03%
Min Deposit $0
Min Balance $100
Details Balance: $100
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Sep 25, 2026: 0.03% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
IRA Savings 0.03% 0.03%
Min Deposit $0
Min Balance $100
Details Balance: $100
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Sep 25, 2026: 0.03% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Special Savings 0.03% 0.03%
Min Deposit $0
Min Balance $100
Details Balance: $100
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Sep 25, 2026: 0.03% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Summer Savings 0.03% 0.03%
Min Deposit $0
Min Balance $100
Details Balance: $100
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Sep 25, 2026: 0.03% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Base Savings (Gold) 0.02% 0.02%
Min Deposit $5
Min Balance $50,000
Details Balance: $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Sep 25, 2026: 0.02% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Base Savings (Platinum) 0.02% 0.02%
Min Deposit $5
Min Balance $100,000
Details Balance: $100,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Sep 25, 2026: 0.02% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Base Savings (Diamond) 0.01% 0.01%
Min Deposit $5
Min Balance $250,000
Details Balance: $250,000 and up
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Sep 25, 2026: 0.01% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%

First Financial Federal Credit Union Money Market Rates

Product Rate APY View More
Premium Money Market (Bronze) 0.03% 0.03%
Min Deposit $1,000
Min Balance $1,000
Details Balance: $1,000 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Sep 25, 2026: 0.03% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Premium Money Market (Silver) 0.03% 0.03%
Min Deposit $1,000
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Sep 25, 2026: 0.03% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Premium Money Market (Gold) 0.02% 0.02%
Min Deposit $1,000
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Sep 25, 2026: 0.02% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Premium Money Market (Diamond) 0.01% 0.01%
Min Deposit $1,000
Min Balance $250,000
Details Balance: $250,000 and above
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Sep 25, 2026: 0.01% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Premium Money Market (Platinum) 0.01% 0.01%
Min Deposit $1,000
Min Balance $100,000
Details Balance: $100,000 - $249,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Sep 25, 2026: 0.01% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%

First Financial Federal Credit Union Checking Rates

Product Rate APY View More
High Yield Checking (Gold) 0.03% 0.03%
Min Deposit $25,000
Min Balance $50,000
Details Balance: $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Sep 25, 2026: 0.03% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
High Yield Checking (Silver) 0.03% 0.03%
Min Deposit $25,000
Min Balance $25,000
Details Balance: $25,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Sep 25, 2026: 0.03% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
High Yield Checking (Diamond) 0.01% 0.01%
Min Deposit $25,000
Min Balance $250,000
Details Balance: $250,000 and up
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Sep 25, 2026: 0.01% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
High Yield Checking (Platinum) 0.01% 0.01%
Min Deposit $25,000
Min Balance $100,000
Details Balance: $100,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Sep 25, 2026: 0.01% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%

First Financial Federal Credit Union Business Checking Rates

Product Rate APY View More
Business First Checking 0.05% 0.05%
Min Deposit $100
Min Balance $0
Details Balance: $0.01
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Premium Business Checking 0.05% 0.05%
Min Deposit $100
Min Balance $0
Details Balance: $0.01
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%

First Financial Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
First Mortgages - 10 Years 6.375% - 6.375% 10 Years
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.38% APR · checked 2 times
5.88%6.38%6.88%Oct 8, 2026: 6.38% APROct 8, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
First Mortgages - 15 Years 6.50% - 6.50% 15 Years
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Oct 8, 2026: 6.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
First Mortgages - 20 Years 6.50% - 6.50% 20 Years
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Oct 8, 2026: 6.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Current Mortgage - 20 Year Fixed Conforming 6.375% - 6.556% 20 Year
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Sep 25, 2026 · 6.61% → 6.56% ▼ 0.05 pts · high 6.61% / low 6.56%
6.06%6.58%7.11%Sep 25, 2026: 6.61% APROct 12, 2026: 6.56% APRSep 25, 2026Oct 13, 2026
  • Oct 12, 20266.56%▼ from 6.61%
  • Sep 25, 20266.61%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Current Mortgage - 30 Year Fixed Conforming 6.50% - 6.63% 30 Year
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Sep 25, 2026 · 6.96% → 6.63% ▼ 0.33 pts · high 6.96% / low 6.63%
6.13%6.79%7.46%Sep 25, 2026: 6.96% APROct 12, 2026: 6.63% APRSep 25, 2026Oct 13, 2026
  • Oct 12, 20266.63%▼ from 6.96%
  • Sep 25, 20266.96%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Current Mortgage - 10 Year Fixed Conforming 6.50% - 6.679% 10 Year
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Sep 25, 2026 · 6.56% → 6.68% ▲ 0.12 pts · high 6.68% / low 6.56%
6.06%6.62%7.18%Sep 25, 2026: 6.56% APROct 12, 2026: 6.68% APRSep 25, 2026Oct 13, 2026
  • Oct 12, 20266.68%▲ from 6.56%
  • Sep 25, 20266.56%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Current Mortgage - 15 Year Fixed Conforming 6.625% - 6.755% 15 Year
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Sep 25, 2026 · 6.63% → 6.76% ▲ 0.13 pts · high 6.76% / low 6.63%
6.13%6.69%7.26%Sep 25, 2026: 6.63% APROct 12, 2026: 6.76% APRSep 25, 2026Oct 13, 2026
  • Oct 12, 20266.76%▲ from 6.63%
  • Sep 25, 20266.63%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
First Mortgages - 30 Years 6.875% - 6.875% 30 Years
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.88% APR · checked 2 times
6.38%6.88%7.38%Oct 8, 2026: 6.88% APROct 8, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%

First Financial Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Fixed Rate Home Equity Loan/2nd Mortgage 5.50% - 5.50% 5 Years
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Oct 8, 2026: 5.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Fixed Rate Home Equity Loan/2nd Mortgage 5.75% - 5.75% 10 Years
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Oct 8, 2026: 5.75% APROct 8, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Fixed Rate Home Equity Loan/2nd Mortgage 6.00% - 6.00% 15 Years
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Oct 8, 2026: 6.00% APROct 8, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Fixed Rate Home Equity Loan/2nd Mortgage 6.50% - 6.50% 20 Years
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Oct 8, 2026: 6.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%

First Financial Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New & Used Auto Loans - Model Year 2022 and Newer Less than 75,000 miles 4.49% - 4.49% Up to 36 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
New & Used Auto Loans - Model Year 2022 and Newer Less than 75,000 miles 4.74% - 4.74% Up to 48 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Auto Loans - Model Year 2021 and 2020 Up to 120,000 miles 4.99% - 4.99% Up to 36 Months
Details As low as
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
New & Used Auto Loans - Model Year 2022 and Newer Less than 75,000 miles 4.99% - 4.99% Up to 60 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Auto Loans - Model Year 2021 and 2020 Up to 120,000 miles 5.24% - 5.24% Up to 48 Months
Details As low as
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Auto Loans - Model Year 2021 and 2020 Up to 120,000 miles 5.49% - 5.49% Up to 60 Months
Details As low as
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 16, 2026: 5.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
New & Used Auto Loans - Model Year 2022 and Newer Less than 75,000 miles 5.49% - 5.49% Up to 72 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 16, 2026: 5.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Auto Loans - Model Year 2019 and Older Up to 120,000 miles 5.74% - 5.74% Up to 36 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 16, 2026: 5.74% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Auto Loans - Model Year 2019 and Older Up to 120,000 miles 5.99% - 5.99% Up to 48 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 16, 2026: 5.99% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Auto Loans - Model Year 2021 and 2020 Up to 120,000 miles 5.99% - 5.99% Up to 72 Months
Details As low as
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 16, 2026: 5.99% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
New & Used Auto Loans - Model Year 2022 and Newer Less than 75,000 miles 5.99% - 5.99% Up to 84 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 16, 2026: 5.99% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Auto Loans - Model Year 2019 and Older Up to 120,000 miles 6.74% - 6.74% Up to 60 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.74% APR · checked 5 times
6.24%6.74%7.24%Sep 16, 2026: 6.74% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Auto Loans - Model Year 2019 and Older Up to 120,000 miles 6.99% - 6.99% Up to 72 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 5 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%

First Financial Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motorcycle Loans - 5.50% Up to 60 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Motorcycle Loans - 6.25% Up to 72 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 16, 2026: 6.25% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%

First Financial Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Simply First Credit Card - 14.40%
Details Rates Effective as of 10/12/2026. APR = Annual Percentage Rate. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. Rates and terms subject to change without notice, contact us for current details. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. APR varies from 14.40% to 18% for the Visa Simply First Card when you open your account based on your credit worthiness. This APR is for purchases and will vary with the market based on the Prime Rate. Subject to credit approval.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 14.40% APR · checked 5 times
13.90%14.40%14.90%Sep 16, 2026: 14.40% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Visa First Step Secured Credit Card - 16.40%
Details Rates Effective as of 10/12/2026. APR = Annual Percentage Rate. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. Rates and terms subject to change without notice, contact us for current details. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. APR varies from 16.40% to 18% for the Visa Cash Plus and Visa First Step Cards when you open your account based on your credit worthiness. This APR is for purchases and will vary with the market based on the Prime Rate. Subject to credit approval.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 16.40% APR · checked 5 times
15.90%16.40%16.90%Sep 16, 2026: 16.40% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Visa Platinum Cash Plus Credit Card - 16.40%
Details Rates Effective as of 10/12/2026. APR = Annual Percentage Rate. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. Rates and terms subject to change without notice, contact us for current details. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. APR varies from 16.40% to 18% for the Visa Cash Plus and Visa First Step Cards when you open your account based on your credit worthiness. This APR is for purchases and will vary with the market based on the Prime Rate. Subject to credit approval.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 16.40% APR · checked 5 times
15.90%16.40%16.90%Sep 16, 2026: 16.40% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Visa Signature Cash Plus Credit Card - 16.40%
Details Rates Effective as of 10/12/2026. APR = Annual Percentage Rate. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. Rates and terms subject to change without notice, contact us for current details. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. APR varies from 16.40% to 18% for the Visa Cash Plus and Visa First Step Cards when you open your account based on your credit worthiness. This APR is for purchases and will vary with the market based on the Prime Rate. Subject to credit approval.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 16.40% APR · checked 5 times
15.90%16.40%16.90%Sep 16, 2026: 16.40% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%

First Financial Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan 6.605% 12 to 60 months
Details Actual rate will vary based on creditworthiness and loan term. Subject to credit approval. Loan payment example: A $2,000 Personal Loan financed at 10.24% APR for 24 months, would have a monthly payment amount of $92.51. A First Financial Federal Credit Union membership is required to obtain a Personal Loan or Line of Credit, and is open to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan.
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 10.24% → 6.61% ▼ 3.64 pts · high 10.24% / low 6.61%
2.97%8.42%13.88%Sep 16, 2026: 10.24% APROct 12, 2026: 6.61% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 20266.61%▼ from 10.24%
  • Sep 16, 202610.24%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Signature Loans 10.24% Up to 24 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 10.24% APR · checked 5 times
9.74%10.24%10.74%Sep 16, 2026: 10.24% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Signature Loans 10.74% 36 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 10.74% APR · checked 5 times
10.24%10.74%11.24%Sep 16, 2026: 10.74% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Signature Loans 11.24% 48 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 11.24% APR · checked 5 times
10.74%11.24%11.74%Sep 16, 2026: 11.24% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Signature Loans 11.74% 60 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 11.74% APR · checked 5 times
11.24%11.74%12.24%Sep 16, 2026: 11.74% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Visa Signature Cash Plus Credit Card 16.40%
Details Rates Effective as of 10/12/2026. APR = Annual Percentage Rate. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. Rates and terms subject to change without notice, contact us for current details. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. APR varies from 16.40% to 18% for the Visa Cash Plus and Visa First Step Cards when you open your account based on your credit worthiness. This APR is for purchases and will vary with the market based on the Prime Rate. Subject to credit approval.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 16.40% APR · checked 5 times
15.90%16.40%16.90%Sep 16, 2026: 16.40% APRSep 16, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%

First Financial Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Base Savings (Bronze) 6.875% - 6.958%
Details Balance: $1 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.96% APR
6.46%6.96%7.46%Oct 12, 2026: 6.96% APROct 12, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
First Class Plus Account 0.05% - 0.05%
Min Deposit $100
Min Balance $1,000
Details Balance: $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%
Kids Accounts 0.03% - 0.03%
Min Deposit $5
Min Balance $100
Details Balance: $100
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Sep 25, 2026: 0.03% APYSep 25, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.97%

Financial Health History

First Financial Federal Credit Union’s Texas Ratio fell from 31.24% in Q3 2023 to 17.97% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 1.8 to 4.8 and its Health Grade from F to B+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 11% 2.0★ 21% 3.0★ 32% 4.0★ 42% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 31.24% F Q3 2023 F Q4 2023 C Q1 2024 C Q2 2024 B Q3 2024 C+ Q4 2024 B Q1 2025 B- Q2 2025 B Q3 2025 B+ Q4 2025 B+ Q1 2026 17.97% B+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$176M17.97%4.8B+
March 31, 2026$176M18.07%4.7B+
December 31, 2025$178M18.75%4.7B+
September 30, 2025$173M21.90%4.4B
June 30, 2025$183M22.81%4.4B-
March 31, 2025$184M19.39%4.6B
December 31, 2024$185M22.35%4.0C+
September 30, 2024$181M17.64%4.5B
June 30, 2024$191M20.43%3.6C
March 31, 2024$190M19.69%3.5C
December 31, 2023$194M30.03%2.1F
September 30, 2023$197M31.24%1.8F
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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
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 2
Branch Locations 4
ATM Locations 3
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
B+ (89/100)
Texas Ratio
17.97%
Return on Assets (ROA)
0.2004%
Return on Equity (ROE)
2.4216%
Non-Performing Loans Ratio (NPL)
2.78%
Total Assets
176,147,745
Total Amount of Shares and Deposits
162,606,483
Total Shares and Deposits < 1 Year
161,754,091
Total Shares and Deposits 1 3 Years
628,698
Total Shares and Deposits > 3 Years
223,694
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,217,917
Total Uninsured Shares and Deposits > $250K (F+J)
6,217,917
Total Insured Shares and Deposits > $250K (item 17 less item K)
156,388,566
Total Interest Expense (Sum of items 6 8)
25,338
Share Certificates
223
Number of Accounts for Share Drafts
6,866
IRA KEOGH Accounts
136
Number of Accounts for Regular Shares
17,569
Money Market Shares
592
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,029,841
Total Liabilities
163,197,066
Source: NCUA — Last Updated 06/30/2026

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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.

Current First Financial Federal Credit Union Rates

  • 12-Month CD0.10%
  • 18-Month CD0.15%
  • 24-Month CD0.20%
  • 60-Month CD0.25%
  • Savings0.03%
  • MMA0.03%
Retrieved from our database of financial products. Rates subject to change.