First Financial Federal Credit Union

Member Benefits

  • At First Financial, we're like one big family.  We care about you, and want to provide you with all you need and more - when it comes to your banking.
  • We're a financial institution that is part of your community. We don't pay any stockholders here. Since we're a not-for-profit with a volunteer Board of Directors, the money we bring in actually goes back to you in the form of lower interest rates and useful financial products and services.
  • We're a local lender and we're ready to deliver customized loans, designed specifically for you.
  • Our Love My Credit Union Rewards Program features Credit Union Member Discounts on online shopping, Sprint wireless services, tax products, and more!
  • In the market for a new or used vehicle?  Be sure to take a look at our Preferred Auto Dealers within Monmouth and Ocean Counties. There just might be the perfect auto package waiting for you!

Become a member today and start saving!  

*$5 in a base savings account is your membership deposit and is required to remain in your base savings account at all times to be a member in good standing. All credit unions require a membership deposit.

Tell a Friend About First Financial and You'll Each Get Rewarded!

Who couldn't use some extra cash? This summer, First Financial is offering our current members $50 for each friend you refer who opens a First Financial membership plus one other account or loan, AND the new member gets $50 too! To learn more about our Tell a Friend Referral Program, click here

PLUS - as a special bonus offer for the summer, all members who refer a new member to First Financial will be placed into a drawing at their nearest branch location to win 6 AMC movie tickets, and a bucket filled with popcorn and candy! All you need to do to get entered to win is submit your tell a friend referral coupon to your nearest branch by August 31, 2017. +

Drive Towards Rewards: Auto Loan Referral Program

First Financial members who refer new or refinanced Auto Loans of at least $12,000 will receive $75! Your friends and family will get to save on their monthly car payments. This offer is not in combination with any other offers, including Tell a Friend.**

Click here to print and fill out a Drive Towards Rewards auto referral coupon, and bring it to your nearest branch!

+Movie basket drawing will take place in each branch location after 8/31/17. Participation in the drawing requires a tell a friend referral and coupon completely filled out and submitted between 7/17/17 and 8/31/17. Limit one entry form per person, must be 18 or older. No purchase necessary. Basket winners will be drawn at random, 1 per branch - during the entry period. Winners will be notified by the Marketing Department after 8/31/17. 

*Offer can be cancelled 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 members is referred by the same current member when they open a membership along with one other First Financial account or were approved for a loan. Referring Member: To receive the $50 incentive the referring member must have an existing First Financial account 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 $50 cash bonus will be deducted from the Base Savings Account at closing. Offer restriction: ID Theft Protection by itself does not qualify as a new account. The new account must be an additional savings, club, checking, money market, certificate account or loan approval in addition to a new membership/Base Savings Account. Business accounts and loans, as well as accounts for minors 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 cancelled 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. The Auto Loan referral can be an existing First Financial member who does not currently have a First Financial Auto Loan and chooses to refinance. Not all applicants will qualify, subject to credit approval. The referral bonus will be payable to the referring member after the first loan payment is made and within 45 days after receiving the title with the perfected lien showing First Financial FCU as lien holder. Minimum auto loan amount eligible for participation is $12,000 and can be a refinance or a new auto loan. Cannot be combined with any other offer including our Tell a Friend and Reward Yourself referral programs. Cash bonus may be considered interest reportable on IRS Form 1099-INT.

First Financial Members Get Rewarded!

At First Financial, we're rewarding our members who choose to THINK FIRST. It's part of our Rewards First program, designed to give you rewards that add back to your bottom line. It's simple - the higher your combined balances or the more you use our products and services, the greater your benefit. Click here to see how it breaks down. As a not-for-profit financial cooperative, the Credit Union thrives on relationships. As members participate more, First Financial will continue to be healthy and be able to offer the competitive rates, services, and value that you've come to expect. So, get on board with First Financial and reap the benefits today! You can learn more by visiting our Rewards First page.

*A $5 deposit in a base savings account is required for credit union membership prior to opening any other account. All personal memberships are part of the Rewards First program and a $5 per month non-participation fee is charged to the base savings account for memberships not meeting the minimum requirements of the program. Accounts for children age 13 and under are excluded from this program.

As part of a campaign to support Credit Union members across the country, the Love My Credit Union Rewards Program was established. Through Love My Credit Union Rewards, Credit Union members receive terrific discounts on various products and services.

Current Love My Credit Union Rewards Deals

Tax Services

Save up to $15 on your tax products with Love My CU Rewards and TurboTax. Learn the details and get started here!

Cell Phone Service with Sprint - Cash Rewards Program

Credit union members will benefit from:

  • $100 cash reward with every new line activation
  • Current Sprint customers will receive $50 for every line transferred
  • $50 loyalty rewards each year for every line
  • Cash reward deposited directly into the member’s credit union account

Get started with Sprint cash rewards now!

Shop and Save!

Love to Shop is a fun and easy way to save money. Once a Credit Union member registers for the program, all you have to do is shop! 

Every time you make a purchase online, the store reports back to Love to Shop.  With each purchase, Love to Shop will calculate your cash back rebate. After you accrue over $10 in your account, a check will be sent to you for the rebate amount. Cash back and rewards are available at over 1,200 online retailers including GAP, iTunes, Barnes and Noble, Best Buy, Macy's, and more! 

Visit to register and view the latest program updates.