First Financial Federal Credit Union

Home Equity Loans and Lines of Credit

Put your home's equity to work. Apply today for First Financial's low-rate Home Equity Loans or a Home Equity Line of Credit.  Make your renovation dreams a reality!

This Winter, First Financial is Heating up the Neighborhood!

We're paying 3 members' heat bills, up to $250 each this winter.* To be in the running for the monthly drawings between 12/1/18 and 2/28/19 - either: 

  • Draw at least $7,500 on your Home Equity Loan -OR-
  • Close on an Auto Loan of at least $12,000

Apply for your Home Equity Loan today!

Features of our Home Equity Loans include:

  • Available on primary homes only - subject to underwriting guidelines.
  • Great rates
  • No pre-payment penalty
  • No application fees
  • No points or closing costs**
  • Flexible terms up to 20 years
  • Fixed monthly payments
  • A home equity line of credit will allow you to advance as you need it.

Apply for a Home Equity Loan | Apply for a Home Equity Line of Credit

Would you like more information or do you have questions about one of our loans? Please fill out the form below and we will get back to you shortly!

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*Not all applicants will qualify, subject to credit approval. Additional terms & conditions may apply. In order to qualify for one of the monthly drawings, member must close on an Auto Loan of at least $12,000 or draw at least $7,500 on a Home Equity Loan between 12/1/18 and 2/28/19. One monthly winner will be selected at random from qualifying members on the last day of each month during December 2018, January 2019, and February 2019. Each drawing winner must provide their heating bill in order to redeem their prize. The Prize amount will be the amount due for the winner’s most current heat bill up to $250.00. Prize funds will be deposited into the winning member’s First Financial Checking or Base Savings Account. The Credit Union reserves the right to change or end this promotion at any time. A First Financial membership is required to obtain a First Financial Auto Loan or Home Equity Loan and is available to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. See credit union for details. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan.

**First Financial FCU (FFFCU) will waive closing costs at inception of loan. If loan is terminated within the first 2 years of opening, closing cost waiver is revoked and the borrower(s) will be required to pay back closing costs in full to FFFCU. A First Financial membership is required to obtain a home equity loan, and is open to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. See FFFCU for details or visit for all current rates. Federally insured by NCUA. Nationwide Mortgage licensing System & Registry ID # 685814

Public Access for viewing active First Financial MLOs (Mortgage Loan Originators)