90th Anniversary

It's the 90th Anniversary of First Financial! 

 
Stay tuned to this page for upcoming anniversary promotions and giveaways to help us celebrate all year long. Thank you for being a valued First Financial member!
 
 

February 6, 2026: Official 90th Anniversary of First Financial! 
Stop into your local branch all day for some refreshments, and a special 90th Anniversary post-it pad (while supplies last). 
 

Stuff Your Wallet Giveaway

For our 90th Anniversary year, we're raffling off a wallet filled with $90 in gift cards every month to 11 lucky members - beginning on 2/6/26 (our official anniversary).
 
How does Stuff Your Wallet work?
  • Stop into your local branch and fill out an entry form to be entered into the drawing.
  • Limit 1 entry form per member - beginning on 2/6/26.
  • Entry forms must be turned in at your local branch by lobby closing on the last day of the month, in order to be entered into the current month's drawing. If the last day of the month falls on a weekend, entry forms for that month must be turned in by 12:30pm on Saturday.  
  • 1 wallet recipient will be drawn at random by the Marketing Department for each month. If you were not selected during a particular month, your entry form will be placed back into the drawing for additional chances to win throughout the year. 
  • Prize recipients will be notified on or about the 15th day of the month following the month of entry form submission.
  • Prize must be picked up in person at the member's branch of choice.
 
Monthly Wallet Winners 
Congratulations!
  • February 2026: Shannon F., Howell Branch
One entry per member during the raffle entry period of 2/6/26 and 12/31/26. Must be 18 years of age or older to enter. No purchase necessary. Participant must be a First Financial FCU member in good standing to be eligible to win. First Financial employees, board members, and immediate family members or those living in the same household as an employee or board member - are not eligible to win a prize. 1 wallet recipient will be drawn at random by the Marketing Department each month. New entry forms must be turned into the branch by lobby closing on the last day of the month, in order to qualify for the current month's drawing. If the last day of the month falls on a weekend, entry forms for that month must be turned in by 12:30pm on Saturday. Prize recipients will be notified by the Marketing Department on or about the 15th day of the month following the month of entry form submission. See credit union for more details.

$90 Referral Bonuses During Our 90th Anniversary Year!

Beginning on 2/17/26, our member referral bonuses are increasing to $90 for our 90th year! 

  • Current members who refer a new member who open their membership + a checking account between 2/17/26 and 12/31/26 will get $90, and the new member gets $90 too!*
  • Members who refer an auto loan that closes between 2/17/26 and 12/31/26, will also get $90.**
  • The amount of referrals are endless!
  • Learn more and get copies of our 90th Anniversary referral coupons to use throughout the year.

*Offer can be canceled or withdrawn at any time. Coupon for each referral must be completed and returned to the Marketing Department in order to qualify for the offer. Referral bonus(es) will be deposited into the referrer’s Base Savings Account each time a new member is referred by the same current member when they open a membership along with a new First Financial checking account. $90 referral bonus is only available for new checking accounts opened between 2/17/26 and 12/31/26. Referring Member: To receive the $90 incentive the referring member must have an existing First Financial account in good standing to be eligible. Rewards will automatically be deposited into the referrer’s Base Savings Account at each referral’s new account opening. New Member: Cash bonus will be deposited automatically into the new Base Savings Account and will be available within 30 business days of account opening. The new member’s account and membership must remain open for at least 6 months or the $90 cash bonus will be deducted from the Base Savings Account at closing. The new membership must include a checking account in addition to a Base Savings account. Business accounts, as well as accounts for minors under age 14, do not qualify for this offer. Offer not available in combination with any other offer. Existing First Financial members are not eligible to receive the new member offer. Account opening is subject to approval. Cash bonus may be considered interest reportable on IRS Form 1099-INT. Membership is open to anyone who lives, works, worships, volunteers or attends school in Monmouth and Ocean County. A $5 deposit in a Base Savings Account is required to establish membership. New Members will be subject to verification of their identity and must be over 18 years of age. 

**Offer can be canceled or withdrawn at any time. Coupon for each referral must be completed and returned to the Marketing Department in order to qualify for the offer. In order to receive the $90 incentive, the referring member must have an existing First Financial account and be in good standing. $90 referral bonus is only available for closed auto loans between 2/17/26 and 12/31/26. Referral bonus will be automatically deposited to the referring member’s account upon new referral’s loan closing. Cash bonus may be considered interest reportable on IRS Form 1099-INT. Membership is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean County. A $5 deposit in a Base Savings Account is required to establish membership.

Raffle for Your Rate - Chance to get 0.90% APR Off Your Auto Loan 

Starting on 3/2/26 through 8/31/26, we're raffling off 6 chances to get 0.90% off your approved Auto Loan rate!*
  • Complete an entry form, and turn it into your local branch by the close of business at the end of the month between March and August 2026. Limit 1 entry form per interested participant.
  • 1 grand prize winner from all completed entry forms will be drawn at the end of each month during the promotional period. If selected as a monthly grand prize winner, you will be eligible to receive 0.90% APR off your approved First Financial Auto Loan rate. In order to receive the promotional rate, you must apply for a First Financial Auto Loan of at least $15k, and be approved. You must also close on your Auto Loan within 90 days of being notified in order to redeem the promotional rate. If you choose to forgo the promotional Auto Loan rate, you may instead elect to receive a $100 Amazon gift card.
  • A 2nd runner-up will also be drawn at the end of each month during the promotional period, from completed entry forms. The 2nd runner-up will receive a prize valued at $50.
  • Prize recipients will be notified on or about the 15th day of the month following the month of entry form submission. 
  • View full promotion terms and conditions.
 
*APR=Annual Percentage Rate. Promotional period is March 2, 2026 through August 31, 2026. A First Financial membership is required to obtain an auto loan. A $5 deposit in a base savings account is required for credit union membership prior to opening any account/loan and is open to anyone who lives, works, worships, or attends school in Monmouth or Ocean Counties. Subject to credit approval. In order to participate in the 90th Anniversary Auto Loan Grand Prize Drawing, an entry form must be filled out and turned into a First Financial branch during the promotional period. Limit one entry form per person, must be 18 years old to enter. No purchase necessary. Two entry forms will be drawn at random by the Marketing Department each month. New entry forms must be turned into the branch by lobby closing on the last day of the month, in order to qualify for the current month’s drawing. If the last day of the month falls on a weekend, entry forms for that month must be turned in by 12:30pm on Saturday. Prize recipients will be notified by the Marketing Department on or about the 15th day of the month following the month of entry form submission. The monthly grand prize winner will have the option to receive 0.90% APR off their approved auto loan rate, which must be redeemed at the time of loan closing and within 90 days from the date of drawing. First Financial FCU maintains the right to not extend credit, after you respond, if we determine you do not meet our guidelines for creditworthiness. Current loans financed with First Financial FCU are not eligible for refinance or rate reduction. Minimum loan amount is $15k. Not available in combination with any other offer. Should the monthly grand prize winner opt out of the auto loan option, a $100 Amazon gift card will instead be awarded. Gift card option would still need to be claimed within 90 days from the drawing date. A 2nd runner-up will also be drawn each month during the promotional period for a chance to win a prize valued at $50 (90th anniversary logo Yeti tumbler & coffee gift card). Entry forms not selected during a particular month, will be placed back into the drawing for additional chances to win throughout the promotional period.

$900 Lender's Credit on all First Mortgages

From 3/16/26 through 9/30/26, we're offering a $900 lender's credit on all closed first mortgages!*
  • A $900 lender's credit will be given to all first mortgages which close during the promotional period, listed on the final loan estimate and closing disclosure.
  • Must be a first mortgage on a primary residence only, with a minimum loan amount of $100,000. 
  • Get started in any branch, complete our mortgage application fillable PDF below, or contact the Loan Department with any questions at 732-312-1500, Option 4. 
  • Need a mortgage pre-approval? Fill out our quick pre-approval inquiry form, or set-up a call with one of our mortgage experts with no commitment required.
 
*APR = Annual Percentage Rate. Subject to credit approval. Credit worthiness determines your APR. Rates  quoted assume excellent borrower credit history and are for qualified borrowers. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. Higher rates may apply depending on terms of loan and credit worthiness. Minimum loan amount is $100,000. Available on primary residence only. The Interest Rates, Annual Percentage Rate (APR), and fees are based on current market rates, are for informational purposes only. Mortgage insurance may be required depending on loan guidelines. This is not a credit decision or a commitment to lend. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. See Credit Union for details. A First Financial membership is required to obtain a Mortgage and is open to anyone who lives, works, worships, or attends school in Monmouth or Ocean Counties. Qualified borrowers must meet eligibility requirements including, but not limited to, property location, loan amount, loan type, occupancy, property type, loan to value, debt to income ratios, FICO credit scores, refinance with cash out and other variables. First Financial will credit $900 back to the member at loan closing, which will be listed on the loan estimate & closing disclosure. Federal Home Loan Bank of New York Homebuyer Dream Program Mortgage recipients do not qualify for the $900 credit. NMLS CU ID: 685814