First Financial Federal Credit Union

Loan Rates

Rates Effective as of 1/1/2021

  Term APR as low as  

New & Used Auto Loans - Model Year 2015 and Newer

Up to 36 Months 2.24%

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New Auto

Used Auto


Up to 48 Months 2.24%  
  Up to 60 Months 2.99%  
  Up to 72 Months 3.24%  
*New Vehicles Only! Up to 84 Months 4.24%  

Auto Loans - Model Year 2014 and Older

Up to 36 Months 3.24%

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Used Auto

  Up to 48 Months 4.24%  
  Up to 60 Months 4.24%  
  Up to 72 Months 4.49%  

New & Used Boats and RVs

Up to 48 Months 5.50%

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New Boat

Used Boat

  Up to 60 Months 5.75%

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New RV

Used RV

  Up to 84 Months 6.25%  
  Up to 120 Months 6.50%  


Up to 60 Months 5.50%

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New Motorcycle

Used Motorcycle

  Up to 72 Months 6.25%  

Credit Lines/Overdraft Protection*

  Rates as low as 9.99%

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Signature Loans*

Up to 24 Months 10.24%

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  36 Months 10.74%  
  48 Months 11.24%  
  60 Months 11.74%  

Visa Platinum Credit Card


Apply Now!

Visa Signature Cash Back Credit Card


Apply Now!

Visa Secured Credit Card


Apply Now!

Share Pledge

(Base Shares Only)

Up to 60 Months Base Savings Rate +3.5%  

Co-Signer Loans

Same terms as Signature Loans    

First Mortgages Available

30 Year 


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20 Year




15 Year 



Fixed Rate Home Equity Loans/2nd Mortgages**

5 Year 3.99%

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  10 Year 4.125%  
  15 Year 5.5%  
  20 Year 6%  

Other Loan Rates

Homeowner's Plus Equity 15 years. Variable Rate. Pay as low as Prime Rate with a 15% APR Lifetime Cap. (Subject to change based on the Prime Rate as published in the Wall Street Journal on the last business day of each month.)  
Certificate Pledge Loans Up to Certificate Maturity Date - Certificate Rate +3.5%  
Other Loans Available To get your loan application, call 732.312.1500. Or stop by to speak with a Financial Services Consultant at any of our locations in Toms River, Freehold/Howell, or Neptune.  

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APR = Annual Percentage Rate. 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.

*Rates shown are lowest possible and may not apply to every borrower, and higher rates may be charged depending on credit qualifications.

**Rates for financing up to 80% of Appraised Value less other Mortgages. 

Rates and terms subject to change without notice, contact us for current details.  We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.