VISA Simply First Credit Card

Get a credit card with one of the most affordable APR's around!
Our Visa® Simply First Credit Card provides you with the convenience and security you need and a low rate you’ll love. There are no annual or foreign transaction fees either! 

Card Features:


Our lowest APR at 15.40%*

10-Day Grace Period on all purchases+

No Annual Fee
Zero Fraud Liability
Credit lines up to $25,000
24/7 Customer Service

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 15.40% to 18% for the Visa® Simply First 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.