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Advertiser Disclosure
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 First Financial Federal Credit Union Rates & Review September 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.
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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 and Verified: September 23, 2026
First Financial Federal Credit Union's First Mortgages rates are at 5.62%, First Mortgages rates are at 5.88%, First Mortgages rates are at 6.12%, First Mortgages rates are at 6.25%. First Financial Federal Credit Union's Personal Loan Rates are as low as 10.24%. First Financial Federal Credit Union's Credit Card Rates are at 14.40%. MonitorBankRates evaluates the financial stability of First Financial Federal Credit Union with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.07%. Rates last updated and verified on 09/23/2026. 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 Mortgage Rates
First Financial Federal Credit Union Home Equity & HELOC
First Financial Federal Credit Union Auto Loan Rates
First Financial Federal Credit Union RV, Boat and Powersport Loan Rates
First Financial Federal Credit Union Credit Card Rates
First Financial Federal Credit Union Personal Loan Rates
First Financial Federal Credit Union Other Rates
Financial Health HistoryFirst Financial Federal Credit Union’s Texas Ratio fell from 32.46% in Q2 2023 to 18.07% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 1.3 to 4.7 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. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
46
Part-Time Employees
3
Branch Locations
4
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.7 / 5.0 ★
Overall Health & Safety Grade
B+ (88/100)
Texas Ratio
18.07%
Return on Assets (ROA)
0.0763%
Return on Equity (ROE)
0.9347%
Non-Performing Loans Ratio (NPL)
2.86%
Total Assets
175,837,590
Total Amount of Shares and Deposits
162,556,059
Total Shares and Deposits < 1 Year
161,624,617
Total Shares and Deposits 1 3 Years
708,589
Total Shares and Deposits > 3 Years
222,853
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,996,013
Total Uninsured Shares and Deposits > $250K (F+J)
5,996,013
Total Insured Shares and Deposits > $250K (item 17 less item K)
156,560,046
Total Interest Expense (Sum of items 6 8)
13,289
Share Certificates
240
Number of Accounts for Share Drafts
6,926
IRA KEOGH Accounts
139
Number of Accounts for Regular Shares
17,583
Money Market Shares
605
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)
12,181,300
Total Liabilities
163,107,677
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About First Financial Federal Credit UnionHow 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. Compare to Other Credit Unions
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