VISA First Step Credit Card

Build your credit history with First Step!
With a Visa® First Step Credit Card, you don’t have to stress about unexpected emergencies. This card is designed to help you build, establish or re-establish your credit. With no annual fee and a 10-day grace period, you can have peace of mind knowing you’re covered if an unplanned expense pops up. Even if your credit isn't great, but you need a loan right now - we want to help. Choosing a not-for-profit financial cooperative like First Financial will help you start building your credit score with every on-time payment you make.

Card Features:

10-Day Grace Period on all purchases+
No Annual Fee
24/7 Customer Service
Zero Fraud Liability
Credit lines from $500 to $5,000
Rates as low as 17.40% APR*
EMV Chip Security
No Foreign Transaction Fees
Secure Online Access

  • Rates & Fees (PDF)
  • Questions before applying? Call our Loan Department at 732-312-1500, Option 4. 

*APR varies from 17.40% to 18% for the Visa® First Step Credit Card when you open your account based on your credit worthiness. This APR is for purchases and will vary with the market based on the Prime Rate. Subject to credit approval. 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. No Annual Fees. Other fees that apply: Balance Transfer and Cash Advance Fees of 3% or $10, whichever is greater; Late Payment Fee of $29, $10 Card Replacement Fee, and Returned Payment Fee of $29. A First Financial membership is required to obtain a Visa® Credit Card and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan.

+No late fee will be charged if payment is received within 10 days from the payment due date.