Credit union · NCUA insured
First Financial Federal Credit Union Savings Rates
First Financial Federal Credit Union’s best savings rate is 0.03% APY on $10,000, with its Base Savings. Rates checked October 22, 2026.
How First Financial Federal Credit Union’s savings 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
0.03%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $3
Special Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
First Financial Federal Credit Union savings score
60
Savings score
Higher than 1% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.03%
- $100,000 balance$100,0000.03%
- QualifiedQualified0.03%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premium Money Market Account
0.03%APY
Membership requires living, working, worshiping, volunteering, or attending school in Monmouth or Ocean Counties, plus a $5 base savings deposit. $20 monthly service fee if balance falls below $1,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Bronze tier. Dividends compounded and posted monthly. $20 monthly service fee if balance falls below $1,000. | 0.03% | $3 | Bronze tier. Dividends compounded and posted monthly. $20 monthly service fee if balance falls below $1,000. |
| $25,000 – $50,000Silver tier. Dividends compounded and posted monthly. $20 monthly service fee if balance falls below $1,000. | 0.03% | — | Silver tier. Dividends compounded and posted monthly. $20 monthly service fee if balance falls below $1,000. |
| $50,000 – $100,000Gold tier. Dividends compounded and posted monthly. $20 monthly service fee if balance falls below $1,000. | 0.02% | — | Gold tier. Dividends compounded and posted monthly. $20 monthly service fee if balance falls below $1,000. |
| $100,000 – $250,000Platinum tier. Dividends compounded and posted monthly. $20 monthly service fee if balance falls below $1,000. | 0.01% | — | Platinum tier. Dividends compounded and posted monthly. $20 monthly service fee if balance falls below $1,000. |
| $250,000 and upDiamond tier. Dividends compounded and posted monthly. $20 monthly service fee if balance falls below $1,000. | 0.01% | — | Diamond tier. Dividends compounded and posted monthly. $20 monthly service fee if balance falls below $1,000. |
Sources (2)
All captured Oct 4, 2026
Base Savings
0.03%APY
A $5 minimum initial deposit in a Base Savings Account is required for credit union membership prior to opening any other account. Membership is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties. A $5 monthly service fee is imposed if balance falls below $5. All personal memberships are part of the Rewards First program with a $5/month non-participation fee for memberships not meeting minimum requirements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Tier: Bronze. Dividends compounded quarterly. | 0.03% | $3 | Tier: Bronze. Dividends compounded quarterly. |
| $25,000 and upTier: Silver. Dividends compounded quarterly. | 0.03% | — | Tier: Silver. Dividends compounded quarterly. |
| $50,000 and upTier: Gold. Dividends compounded quarterly. | 0.02% | — | Tier: Gold. Dividends compounded quarterly. |
| $100,000 and upTier: Platinum. Dividends compounded quarterly. | 0.02% | — | Tier: Platinum. Dividends compounded quarterly. |
| $250,000 and upTier: Diamond. Dividends compounded quarterly. | 0.01% | — | Tier: Diamond. Dividends compounded quarterly. |
Sources (2)
All captured Oct 4, 2026
Special Savings
0.03%APY
No minimum balance requirements. Dividends posted quarterly on balances of $100 or greater. A $5 deposit in a Base Savings account is required for credit union membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded quarterly.$100 and up | 0.03% | $3 | Dividends compounded quarterly. |
Sources (2)
All captured Oct 4, 2026
Summer Savings
0.03%APY
Open at any time. Dividends are posted annually on balances of $100 or more. Summer Savings funds are deposited into a First Financial Checking or Base Savings Account (elect 50% in July and 50% in August, or 100% in July). A $5 deposit in a Base Savings account is required for credit union membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded annually.$100 and up | 0.03% | $3 | Dividends compounded annually. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
First Step Kids Savings Account
0.03%APY
For kids up to 18 years of age who live, work, worship, volunteer, or attend school in Monmouth or Ocean Counties. Requires parent/guardian joint owner with identification, child's birth certificate and SS card. No minimum balance fees. Includes opening deposit savings match up to $25. A $5 deposit in base savings required for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded quarterly. Rate effective 2026-10-01.$100 and up | 0.03% | $3 | Dividends compounded quarterly. Rate effective 2026-10-01. |
Holiday Club
0.03%APY
Open at any time. Accounts automatically renew each year. Holiday Club funds are deposited into a First Financial Checking or Base Savings Account. Dividends are posted annually on balances of $100 or more. A $5 deposit in a Base Savings account is required for credit union membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded annually.$100 and up | 0.03% | $3 | Dividends compounded annually. |
Sources (2)
All captured Oct 4, 2026
IRA Savings
0.03%APY
Traditional, Roth, and Education IRAs available to all First Financial members. No fees. Traditional IRAs have $500 minimum opening balance, while deposit schedule lists $0 minimum initial deposit. A $5 deposit in a Base Savings account is required for credit union membership. Early withdrawal penalties may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded quarterly.$100 and up | 0.03% | $3 | Dividends compounded quarterly. |
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.