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Personal Accounts

Accounts Just for Kids

First Step Kids Savings Account
First Financial's unique First Step Kids Savings Account is specifically designed for young people, with a focus on education and fun.
  • $5 Minimum deposit to open and to maintain membership
  • Designed for children up to 18 years of age
  • Dividends posted quarterly on balances of $100 or greater*
  • No minimum balance fees

 *As of 12/12/2012, the First Step Kids Account has an annual percentage yield of 0.05% on balances of $100.00 and more.  The dividend rate may change after the account is opened.

Dollars for A’s Program
For every "A" your child earns on their report card, First Financial will deposit $1 into your child's First Step Kids Account!* It's a great way to reward your child for doing his or her best in school. It also teaches the life long practice of saving for the future Visit a branch location.

*Offer applies only to report cards for most recent school terms. Letter grade "A" or 90%+. No back rewards available for prior semesters or marking periods. Available for First Financial members between 1st and 12th grades. Qualifying report cards must be submitted within 45 days from the date of issue. Child must be present and a $5.00 deposit to a First Step Kids Account is required to receive the Dollars for A's incentive.  Parent or guardian must bring both the child’s birth certificate and social security card when opening a First Step Kids Account at any branch location.  Parent or guardian will be a joint owner and must also bring their identification. A First Financial Membership is open to anyone who lives, works, worships or attends school in Monmouth or Ocean Counties. As of 12/12/2012, the First Step Kids Account has an annual percentage yield of 0.05% on balances of $100.00 and more. The dividend rate may change after the account is opened.

Reader Rewards Summer Reading Contest

Our summer reading contest comes around every July & August. This means First Financial Kids can read books, earn rewards, and the chance to win a grand prize at the end of the summer.
How does the contest work?
  • Participants will earn $1 per book read - up to 10 books (during the contest time period).
  • Plus, they'll get one entry per book read - in our grand prize drawing to WIN a $100 Barnes & Noble Gift Card*, number of entries unlimited.
  • All participants will then be placed into an additional drawing to win children's books on display at each First Financial branch throughout the contest (1 child from each branch, 5 total).
To enter, participants will need to submit one entry form for each book they read - to their nearest First Financial branch. Forms can be picked up at any branch location or printed online (during the contest entry period only).

*Credit Union membership and Savings Account is required to participate. Members up to age 18 are eligible to participate and must complete an entry form. Reader rewards must be deposited to a child's First Financial Savings Account. Winning reader and 5 runners up will be drawn after the contest ends (September), and will be contacted by the First Financial Marketing Department. **Forms will not be posted on the website or located in any First Financial branch before July. Check back for additional details in Summer 2014!
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