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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. 

Become a member today and start saving! 
Be sure to also check out our Promotions page for the latest deals and ways to save you money.

$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 Earn Cash!

Who couldn't use some extra cash? First Financial offers our current members $50 for each friend you refer who opens a First Financial membership plus a checking account, AND the new member gets $50 too!*

Learn more about all of our referral programs such as Tell a Friend, and our Auto Loan referral program too.

*Offer can be cancelled or withdrawn at any time.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 member is referred by the same current member when they open a membership along with a new First Financial checking account. Referring Member: To receive the $50 incentive the referring member must have an existing First Financial account in good standing 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. The new membership must include a checking account in addition to a Base Savings account. Business accounts, as well as accounts for minors under age 14, 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. See how our Rewards break down.

As a not-for-profit financial cooperative, the Credit Union thrives on relationships. As members participate more, First Financial will continue to 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!  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.

Preferred Auto Dealers

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 or deal waiting for you!

Love My Credit Union Rewards Deals

TurboTax Services
  • Save up to 20% on TurboTax Federal Products with Love My CU Rewards and TurboTax during tax season. Let's get started.
  • Access to Live CPA
  • Self-Employed and Small Business Edition available.
  • Maximum refund guaranteed!
H&R Block Tax Services
View additional Love My Credit Union Rewards deals and save!
TurboTax and H&R Block are tax preparation software products offered to First Financial members through Love My Credit Union Rewards and are not products of the credit union.