First Financial Federal Credit Union

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Visa Credit Cards

Choose from 4 low-rate options and get all the benefits without all the interest!



Visa First Step Card  Visa Simply First Platinum Card
12.90% APR 10.90% APR
Build, establish, or re-establish credit Lowest APR of all our cards
Credit lines between $500 and $5,000 Credit lines up to $25,000
Rates & Fees Rates & Fees





Visa Platinum Cash Plus Card Visa Signature Cash Plus Card
12.90% APR 12.90% APR

UChoose Rewards 

1.5% Cash Back on purchases

UChoose Rewards

1.5% Cash Back on purchases

Credit lines between $500 - $5,000 Credit lines between $5,000 - $25,000
Rates & Fees Rates & Fees


Learn more about our credit cards: 

Benefits of all First Financial credit cards:​

  • EMV Security Chip - Learn how to use your EMV Chip Card here.
  • 10 Day Grace Period+
  • No Annual Fee
  • No Foreign Transaction Fee

Would you like more information or do you have questions about one of our loans? Please fill out the form below and we will get back to you shortly!

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Balance Transfer Terms & Conditions

  1. If the information you provide is incomplete, First Financial will not be able to process your transfer request. Transfer payments will be sent to only recognized creditors or financial institutions and will not be sent to your home or billing address.
  2. Please continue to make your minimum required payment until the requested transfer payment appears on that account's billing statement. First Financial is not responsible for any remaining balance on that account, nor for any finance or other charges you incur due to delays in transferring a balance.
  3. If you transfer an amount for a transaction you dispute, you may lose some or all of your rights against the other creditor.
  4. While First Financial can pay your accounts directly, we cannot close them for you. If you wish to close any of the transfer accounts, you must do so yourself.
  5. Account balance transfers are contingent upon account set-up and assigned credit limits. In some cases, First Financial may not be able to process a balance transfer request. If that occurs, you will be notified.

New Credit Card Rewards Program

Our Cash Plus Credit Cards will have access to UChoose Rewards, where cardholders will earn 1.5% cash back on purchases, as well as rewards points will also be redeemable for merchandise, travel experiences and activities, event tickets, and merchant gift cards. 

Login to your UChoose Rewards account here.

View a video tutorial on all the perks of UChoose Rewards here.

First Financial Wallet

Staying in control of your cards has never been more important. Manage your finances while protecting your cards and yourself from fraud using the First Financial Wallet AppView your First Financial Credit and Debit Cards in one place - get purchase alerts, lock your cards, control transactions, and manage your spending.

  • Download the First Financial Wallet App by searching FFFCU Wallet in your device’s app store.
  • Login with your First Financial Online/Mobile Banking user ID and password
  • Link all of the First Financial cards that you want to set controls and alerts for
  • Setup at least one control and alert for each card.
  • Start using First Financial Wallet!

*APR varies from 10.90% to 18% for the Visa Simply First Platinum Card and from 12.90% to 18% for the Visa Signature Cash Plus, Visa Platinum Cash Plus and Visa First Step Cards when you open your account based on your credit worthiness. These APRs are 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.

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