Credit union · NCUA insured
First Financial Federal Credit Union CD Rates
First Financial Federal Credit Union’s best CD rate is 0.25% APY on a 3-year share certificate (CD). Terms run from 6 months to 6 years. Rates checked October 22, 2026.
How First Financial Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where First Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Financial Federal Credit Union
0.25%APY
- Term
- 36 months
- Minimum
- $10,000
- Earns on $10,000
- $75
Savings Certificates
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
First Financial Federal Credit Union CD score
60
CD score
Higher than 1% of U.S. banks and credit unions
- 3–8 months3–8 mo0.01%
- 9–15 months9–15 mo0.10%
- 16–30 months16–30 mo0.20%
- 31–60 months31–60 mo0.25%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Financial Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Savings Certificates
Up to 0.25%APY · 9 terms
Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal before maturity. Automatically renews at maturity. Credit union membership requires a $5 base savings deposit. Memberships are part of Rewards First program ($5/mo non-participation fee on base savings if requirements not met).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.01% | $0 |
| 6 monthsMini Jumbo | 0.01% | $0 |
| 9 months | 0.05% | $4 |
| 9 monthsMini Jumbo | 0.05% | $4 |
| 12 months | 0.10% | $10 |
| 12 monthsMini Jumbo | 0.10% | $10 |
| 18 months | 0.15% | $23 |
| 18 monthsMini Jumbo | 0.15% | $23 |
| 24 months | 0.20% | $40 |
| 24 monthsMini Jumbo | 0.20% | $40 |
| 36 months | 0.25% | $75 |
| 36 monthsMini Jumbo | 0.25% | $75 |
| 48 months | 0.25% | $100 |
| 48 monthsMini Jumbo | 0.25% | $100 |
| 60 months | 0.25% | $126 |
| 60 monthsMini Jumbo | 0.25% | $126 |
| 72 months | 0.25% | $151 |
| 72 monthsMini Jumbo | 0.25% | $151 |
Sources (1)
- firstffcu.com/personal-accounts/savings-certificates · captured Oct 4, 2026
Special-purpose accounts
IRAs
Up to 0.25%APY · 6 terms
IRA savings certificate options ranging from 12 to 72 months available in Traditional, Roth, and Education IRAs with no fees. Dividends compounded and credited monthly. Penalty may be imposed for IRA withdrawals before maturity. Credit union membership requires a $5 base savings deposit. Memberships are part of Rewards First program ($5/mo non-participation fee on base savings if requirements not met).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.10% | $10 |
| 24 months | 0.10% | $20 |
| 36 months | 0.25% | $75 |
| 48 months | 0.25% | $100 |
| 60 months | 0.25% | $126 |
| 72 months | 0.25% | $151 |
Sources (2)
All captured Oct 4, 2026
Who can join First Financial Federal Credit Union
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.
Membership information collected October 5, 2026.