Credit union · NCUA insured
First Financial Federal Credit Union
A $175.8M credit union headquartered in Freehold, NJ, with 14,455 members and 4 branches in New Jersey. Best rates: CDs 0.25% and savings 0.03% APY.
First Financial Federal Credit Union Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#133 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Financial Federal Credit Union
Founded in 1936 by Asbury Park schoolteachers as Monmouth County, NJ Teachers Federal Credit Union, the institution became First Financial Federal Credit Union in July 2006.
First Financial Federal Credit Union is a member-owned community credit union serving Monmouth and Ocean Counties in New Jersey.
- Headquarters
- 391 US Highway 9, Freehold, NJ 07728-8562
- NCUA charter
- 1021
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties.
Cost to join
- A minimum deposit of $5 in a base savings account is required.
Branches
4 branches in New Jersey
Loading map…
New Jersey
4 branches
- Administrative OfficeMain office391 US Highway 9, Freehold, NJ 07728Directions
- Howell/Freehold Branch389 US Highway 9, Freehold, NJ 07728Directions
- Neptune Branch783 Wayside Rd, Neptune, NJ 07753Directions
- Toms River Branch1360 Route 9, Toms River, NJ 08755Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.30% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.78% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.40% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio8.30%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.78%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.40%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of First Financial Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.