First Financial

391 US Highway 9, Freehold, NJ 07728

NCUA Insured3.7 (41 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Freehold, NJ may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

391 US Highway 9

Freehold, NJ 07728

Google Maps 🗺Waze

(732) 312-1500

Service Area

This credit union is located in Freehold and serves members in the NJ area. Currently serving 14,452 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.05%

Used Auto Loan

5.38%

Personal Loan

11.06%

Credit Card APR

17.67%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NJ

Lowest rates currently reported by credit unions in NJ (NCUA Q4 2025).

Bay Atlantic— New Auto Loan

Vineland, NJ

1.99%

Manville Area— Used Auto Loan

Manville, NJ

4.00%

Linden Nj Police & Firemen— Personal Loan

Linden, NJ

6.99%

Unilever— Credit Card APR

Englewood Cliff, NJ

7.75%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

3.7

41 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Jimmy Vacola

8 months ago

Egregious, despicable, unethical, insulting, dehumanizing. Let me start out by saying that Im a retired Consumer Protection Investigator, in a law enforcement capacity for the State Attorney General, and Ive been working with the Division of Banking and Insurance for 30 years. After being a First Financial Federal Credit Union customer since 1973, my father passed away. My mother was so grief stricken that she could no longer perform basic tasks and she became hospitalized. With power of attorney, I set out to correct and settle all of their delinquent accounts, and of the fifteen of them, the only one who had no concern, sympathy, or empathy, was First Financial Federal Credit Union. They refused to accept my power of attorney and they were outright NASTY about it. They told me that their policy required this type of thing be handled in person, no exceptions, and then they hung up on me. So now on top of working two full-time jobs, being the sole care provider for my mother and disabled brother, relocating them, and resolving 15 delinquent accounts, I have to take off work and drive two hours to resolve this, and since they refused to talk to me at all, my father might not even have used this account and it could be empty.

James O'Donnell

5 months ago

I've been working with Janice for the better half of 2 years on my auto loan and she is such an amazing person. Compassionate and cares about her customers. I am very appreciative of her.

Terese Rotonda Goble

6 months ago

Today I received a collection letter that is insulting with no monies owed, money always in my account and after 25+ years dealing with FFCU from when it was Monoc and wonderful to work with...I am exhausted. I now resorted to using their mobile app. but it apparently is not worth it. There is no personal customer service any longer.