First Financial Federal Credit Union

Are you one emergency car problem or unexpected home repair away from serious financial stress, or worried that you couldn't possibly get a credit card with your credit history?

With a Secured Visa® Credit Card from First Financial, you don't have to stress about unexpected emergencies. This is the card designed to help you build, establish or re-establish your credit. With credit limits from $500 to $5,000 and no annual fee, you'll experience peace of mind knowing that you're covered if an unplanned expense pops up.*

Understanding and Improving Your Credit Score
The higher your credit score, the lower interest rate you qualify for, and the more money you save! If you plan on purchasing a car, a home, or applying for a credit card anytime in the near future we can help you improve your credit score in 3 easy steps:

1. Apply for a Secured VISA® Credit Card
2. Make your payments on time, every month
3. Review your credit score in 6-12 months and see how much your score has improved! 

With a higher score, we'll help you refinance loans and credit cards with other financial institutions to lower your monthly payments, and save you hundreds if not thousands in interest! 

Even if your credit isn't great, but you need a loan right now we want to help. By choosing a not-for-profit financial cooperative like First Financial as opposed to predatory lenders and for-profit banks will allow you to get the loan you need at a lower interest rate, and help you start building your credit score with every on-time payment you make.


*APR varies from 12.90% to 18% for the Visa Secured Credit Card when you open your account based on your credit worthiness. This APR is for purchases, balance transfers, and cash advances and will vary with the market based on the Prime Rate. Subject to credit approval. 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. No Annual Fees. Other fees that apply: Cash advance fee of 1% of advance ($5 minimum and $25 maximum), Late Payment Fee of up to $25, Foreign Transaction Fee of 1% plus foreign exchange rate of transaction amount, $5 Card Replacement Fee, and Returned Payment Fee of up to $25. A First Financial membership is required to obtain a VISA Credit Card and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties.