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, flowers, 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.

Skip Your Loan Payment This Summer

You deserve a stress-free, relaxing summer ... so, skip a loan payment! Get started online here.

*All Mortgages, Visa® Credit Card payments, Home Equity Loans and Lines of Credit do not qualify for Skip-a-Pay. Skip-a-Pay may be used up to two times per year, but no more than four times during the life of the loan. Member can skip only one loan payment at a time within the same month. A First Financial FCU membership is required to obtain a loan and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties. A $35 processing fee will be applied to the loan balance per loan payment skipped. In order to qualify for the Skip-A-Pay promotion you must be a member in good standing with a minimum of $5.00 deposited in your base savings account. Federally insured by NCUA.

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

Who couldn't use some extra cash? 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 - the amount of referrals are endless!* Click here to learn more about our Tell a Friend Referral Program.

*Offer can be cancelled or withdrawn at any time.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 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.

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 this year 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.