First Financial Federal Credit Union Credit Card Rates

How First Financial Federal Credit Union’s credit card rates compare

Compared with banks and credit unions near New York, NY-NJ, where First Financial Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.

This credit union’s lowest
First Financial Federal Credit Union
– –
No ongoing APR published
Lowest rate
Fox Federal Credit Union
6.95%APR
Fox Federal Credit Union rates
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
NYU Federal Credit Union rates

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Every rate

Current credit card rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

VISA First Step Credit Card

Credit union membership required (available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties; $5 deposit in base savings required). Credit lines from $500 to $5,000. Variable APR based on Prime Rate and creditworthiness.

Applies to	APR	Annual fee	Conditions
Ongoing	16.40%–18.00%	None	APR varies from 16.40% to 18% based on creditworthiness; variable rate tied to Prime Rate. 10-day grace period on purchases. No foreign transaction fees. Credit lines from $500 to $5,000.

Sources (2)

All captured Oct 4, 2026

VISA Platinum Cash Plus Credit Card

Credit union membership required (available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties; $5 deposit in base savings required). Credit lines up to $5,000. Variable APR based on Prime Rate and creditworthiness.

Applies to	APR	Annual fee	Conditions
Ongoing	16.40%–18.00%	None	APR varies from 16.40% to 18% based on creditworthiness; variable rate tied to Prime Rate. 10-day grace period on purchases. Credit lines up to $5,000.

Sources (2)

All captured Oct 4, 2026

VISA Signature Cash Plus Credit Card

Credit union membership required (available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties; $5 deposit in base savings required). Credit lines from $5,000 to $25,000. Variable APR based on Prime Rate and creditworthiness.

Applies to	APR	Annual fee	Conditions
Ongoing	16.40%–18.00%	None	APR varies from 16.40% to 18% based on creditworthiness; variable rate tied to Prime Rate. 10-day grace period on purchases. Credit lines from $5,000 to $25,000.

Sources (2)

All captured Oct 4, 2026

VISA Simply First Credit Card

Credit union membership required (available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties; $5 deposit in base savings required). Credit lines up to $25,000. Variable APR based on Prime Rate and creditworthiness.

Applies to	APR	Annual fee	Conditions
Ongoing	14.40%–18.00%	None	APR varies from 14.40% to 18% based on creditworthiness; variable rate tied to Prime Rate. 10-day grace period on purchases. No foreign transaction fees.

Sources (3)

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.

Check membership requirements ↗Branches and institution details

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