First Financial Federal Credit Union

Visa Credit Cards

Find the Perfect Credit Card for Your Lifestyle with our 3 Low Rate Options! To apply online, click on the image below for the card you are interested in.

  

Benefits of all First Financial Visa® Credit Cards:​

  • Special 80th Anniversary Introductory Rate! From 7/1/16 through 2/28/17 all qualifying new consumer Visa Credit Card Accounts will be eligible for .80% APR on purchases and balance transfers for 8 months! Qualifying exisiting consumer credit cardholders who are approved for a new balance transfer between $800 and $8,000 are also eligible for the same anniversary rate.**
  • EMV Security Chip - Learn how to use your new EMV Chip Card here.
  • 10 Day Grace Period+
  • No Balance Transfer or Annual Fees*

 

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!

Visa Agreements & Disclosures

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.

Important Links

*APR varies from 11.15% to 18% for the Visa Platinum Card and from 13.15% to 18% for the Visa Signature and Secured Cards when you open your account based on your credit worthiness. These APRs are for purchases, balance transfers, and cash advances 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: Cash advance fee of 1% of advance ($5 minimum and $25 maximum), Late Payment Fee of up to $25, Foreign Transaction Fee of 1% plus foreign exchange rate of transaction amount, $5 Card Replacement Fee, and Returned Payment Fee of up to $25. 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.

**APR = Annual Percentage Rate. APR varies from 0.80% to 18% when you open your account based on your creditworthiness. This APR is for purchases and balance transfers and will vary with the market based on the Prime Rate. Subject to credit approval. No Annual Fee. Other fees that apply: Late Payment Fee of up to $25, Foreign Transaction Fee of 1% plus foreign exchange rate of transaction amount, $5 Card Replacement Fee, and Returned Payment Fee of up to $25. The qualifying period for the 0.80% promotional rate is between 7/1/16 and 2/28/17. New accounts will receive 0.80% APR on all purchases and balance transfers for 8 months starting from the date the account is opened. Current First Financial Visa Credit Cardholders will be eligible to receive 0.80% APR on balance transfers with a minimum of $800 and maximum amount of $8,000 for an 8 month period starting from the date the balance transfer is posted. The 0.80% APR introductory rate promotion does not apply to a balance transferred from an existing First Financial Credit Card to another First Financial Credit Card. 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.

Visa Signature Card Cash Back: Your First Financial Visa® Signature Credit Card will earn cash back based on your eligible purchase transactions. The cash back will be applied to your current credit card balance on a quarterly basis and be shown cumulatively on your billing statement. Unless you are participating in a limited time promotional offer, you will earn 1% cash back based upon eligible purchases each quarter. Cell Phone Protection: Eligible cell phones are the primary line and up to the first two secondary, additional, or supplemental lines as listed on your cellular provider monthly billing statement for the billing cycle preceding the month in which the theft or damage occurred. In addition to cell phones, certain types of personal digital assistants (PDA) are eligible when terms and conditions of the benefit are met. If a cardholder fails to make a payment using their covered Visa Signature Credit Card in a particular month, the benefit is suspended until the first day of the calendar month following the date of any future wireless provider bill payment with their covered card while the benefit continues to be offered. Lost Luggage Reimbursement: Coverage applies when common carrier tickets — airline, rail, bus, cruise line, etc.are purchased with your First Financial Visa Signature Credit Card. The cardholder must be the holder of an activated Visa Signature Credit Card that is validly registered under the cardholder’s name prior to the date the luggage is lost or stolen. Only the luggage of the registered cardholder is covered. Trip Cancellation/Trip Interruption: You must charge the entire amount of the common carrier fare to your card in order to receive this benefit. ID Theft Restoration: Coverage is available for individuals only and not businesses. Federally insured by NCUA.