First Financial Federal Credit Union Loan Rates
Rates Effective as of 5/1/2026
New & Used Auto Loans - Model Year 2022 and Newer* Less than 75,000 miles
Auto Loans - Model Year 2021 and 2020* Up to 120,000 miles
| Term | Rate as low as |
|---|---|
| Up to 36 Months | 4.99% |
| Up to 48 Months | 5.24% |
| Up to 60 Months | 5.49% |
| Up to 72 Months | 5.99% |
Auto Loans - Model Year 2019 and Older* Up to 120,000 miles
Homeowner's Plus Equity 15 years
Variable Rate. Pay as low as Prime Rate with a 15% APR Lifetime Cap. (Subject to change based on the Prime Rate as published in the Wall Street Journal on the last business day of each month).
Certificate Pledge Loans
Up to Certificate Maturity Date - Certificate Rate +3.5%
Up to Certificate Maturity Date - Certificate Rate +3.5%
Other Loans Available
To get a loan application, call 732.312.1500. Or stop by to speak with a representative at any of our locations in Toms River, Freehold/Howell, or Neptune.
To get a loan application, call 732.312.1500. Or stop by to speak with a representative at any of our locations in Toms River, Freehold/Howell, or Neptune.
APR = Annual Percentage Rate. 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. Rates and terms subject to change without notice, contact us for current details. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.
*Rates shown are lowest possible and may not apply to every borrower, higher rates may be charged depending on credit qualifications.
**Rates for financing up to 80% of Appraised Value less other Mortgages.
***APR=Annual Percentage Rate. Promotional period is May 1, 2026 through May 31, 2026. A First Financial membership is required to obtain an auto loan. A $5 deposit in a base savings account is required for credit union membership prior to opening any account/loan and is open to anyone who lives, works, worships, or attends school in Monmouth or Ocean Counties. Subject to credit approval. First Financial FCU maintains the right to not extend credit, after you respond, if we determine you do not meet our guidelines for creditworthiness. Current loans financed with First Financial FCU are not eligible for refinance or rate reduction. Minimum loan amount is $10k. Not available in combination with any other offer. Not valid on indirect auto loans. 0.90% auto loan rate reduction is available on terms of 60 months only, model years 2022 and newer with less than 75,000 miles, and applicant must have a FICO score of at least 600. Additional terms and conditions may apply, see credit union for details.
+APR varies from 14.40% 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.
++APR varies from 16.40% to 18% for the Visa Cash Plus and Visa First Step Cards 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.