First Financial Federal Credit Union

Loan Rates

Rates Effective as of 8/1/17

  Term APR as low as  

New & Used Auto Loans - Model Year 2012 and Newer* (1)

Up to 36 Months 1.99%

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New Auto

Used Auto


Up to 48 Months 2.99%  
  Up to 60 Months 2.99%  
  Up to 72 Months 3.99%  
*New Vehicles Only! Up to 84 Months 4.49%  

Auto Loans - Model Year 2011 and Older* (1)

Up to 36 Months 2.99%

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Used Auto

  Up to 48 Months 3.99%  
  Up to 60 Months 4.99%  
  Up to 72 Months 5.99%  

New & Used Boats and RVs* (1)

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%  

Motorcycle* (1)

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


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Visa Signature Cash Back Credit Card


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Visa Secured Credit Card


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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 

4.073% APR

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20 Year

3.864% APR

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15 Year 

3.463% APR

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Fixed Rate Home Equity Loans/2nd Mortgages

5 Year 4.375%

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  10 Year 4.5%  
  15 Year 5.25%  
  20 Year 5.75%  

**Rates for financing up to 80% of Appraised Value less other Mortgages. Financing up to 100% Available - Contact Credit Union for Rates.

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.  

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.

(1) Up to 110% financing for qualified borrowers.

+Minimum loan is $10,000.  For example, a 5.00% APR loan for 60 months may have a monthly payment as low as $188.71.

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

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.