Deposit Rates

First Financial Federal Credit Union Deposit Rates

Rates Effective as of 12/1/2024
 

Savings and Checking Rates


Product Name Min. Initial Deposit Min. Bal to Earn Divid. Compound Period Divid. Rate APY*
Base Savings (Bronze)
 $5** $1 - $24,999.99 Quarterly 0.03% 0.03%
Base Savings (Silver)
 $5** $25,000
 Quarterly 0.03% 0.03%
Base Savings (Gold)
 $5** $50,000 Quarterly 0.02% 0.02%
Base Savings (Platinum)
 $5** $100,000 Quarterly 0.02% 0.02%
Base Savings (Diamond)
 $5** $250,000 and up Quarterly 0.01% 0.01%
Special Savings
 0 $100 Quarterly 0.03% 0.03%
Kids Accounts
 $5** $100 Quarterly 0.03% 0.03%
IRA Savings
 0 $100 Quarterly 0.03% 0.03%
Holiday Club
 0 $100 Annually 0.03% 0.03%
Summer Savings
 0 $100 Annually 0.03% 0.03%
NJ Consumer Checking
 $50
 N/A

N/A

 N/A N/A
Free Checking
 $25
 N/A

N/A

 N/A N/A
Student Checking
 $5
 N/A

N/A

 N/A N/A
Fair Chance Checking
 $25
 N/A

N/A

 N/A N/A
First Class Checking
 $100 $1,000 Monthly 0.05% 0.05%
High Yield Checking (Silver)
 $25,000 $25,000 Monthly 0.03% 0.03%
High Yield Checking (Gold)
 $25,000 $50,000 Monthly 0.03% 0.03%
High Yield Checking (Platinum)
 $25,000 $100,000 Monthly 0.01% 0.01%
High Yield Checking (Diamond)
 $25,000 $250,000 and up Monthly 0.01% 0.01%
Free Business Checking
 $100 $0.01 Monthly 0.05% 0.05%
Premium Business Checking
 $100 $0.01 Monthly 0.05% 0.05%
Community Non-Profit Checking
 $100 N/A N/A N/A N/A

*Annual Percentage Yield (APY). Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. Rates on accounts are variable and subject to change. Fees could reduce the earnings on your account. The APY assumes that requirements for a minimum daily balance are met and that dividends remain on deposit until maturity. Annual percentage rates and annual percentage yields on savings products are based on the most recent dividend declaration.

**A $5 initial deposit is required in a Base Savings Account, and must remain at all times to maintain status as a member in good standing. These funds may not be withdrawn unless you are closing your First Financial Account.

NCUA - Your account is insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF). The NCUA manages the insurance fund for Credit Unions and assures you that your deposits are backed by the full faith and credit of the U.S. Government. The Credit Union fund is currently the strongest of all government agencies insuring financial institutions.

Savings Certificate Rates


Term Min. Deposit Compound Period Divid. Rate APY
6 Months $500 Monthly 0.01% 0.01%
9 Months $500 Monthly 0.05% 0.05%
12 Months $500 Monthly 0.10% 0.10%
18 Months $500 Monthly 0.15% 0.15%
24 Months $500 Monthly 0.20% 0.20%
36 Months $500 Monthly 0.25% 0.25%
48 Months $500 Monthly 0.25% 0.25%
60 Months $500 Monthly 0.25% 0.25%
72 Months $500 Monthly 0.25% 0.25%
6 Months $10,000 Monthly 0.01% 0.01%
9 Months $10,000 Monthly 0.05% 0.05%
12 Months $10,000 Monthly 0.10% 0.10%
18 Months $10,000 Monthly 0.15% 0.15%
24 Months $10,000 Monthly 0.20% 0.20%
36 Months $10,000 Monthly 0.25% 0.25%
48 Months $10,000 Monthly 0.25% 0.25%
60 Months $10,000 Monthly 0.25% 0.25%
72 Months $10,000 Monthly 0.25% 0.25%
6 Months (Mini jumbo) $50,000 Monthly 0.01% 0.01%
9 Months (Mini jumbo) $50,000 Monthly 0.05% 0.05%
12 Months (Mini jumbo) $50,000 Monthly 0.10% 0.10%
18 Months (Mini jumbo) $50,000 Monthly 0.15% 0.15%
24 Months (Mini jumbo) $50,000 Monthly 0.20% 0.20%
36 Months (Mini jumbo) $50,000 Monthly 0.25% 0.25%
48 Months (Mini jumbo) $50,000 Monthly 0.25% 0.25%
60 Months (Mini jumbo) $50,000 Monthly 0.25% 0.25%
72 Months (Mini jumbo) $50,000 Monthly 0.25% 0.25%

Note: A penalty may be imposed for IRA and Certificate withdrawals before maturity. See your Important Account Information for Our Members documents for details.
The Annual Percentage Yield is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained.
A $5 deposit in a base savings account is required for credit union membership prior to opening any other account. Federally insured by NCUA.

IRA Rates


Term Min. Deposit Compound Period Divid. Rate APY
12 Months $500 Monthly 0.10% 0.10%
24 Months $500 Monthly 0.10% 0.10%
36 Months $500 Monthly 0.25% 0.25%
48 Months $500 Monthly 0.25% 0.25%
60 Months $500 Monthly 0.25% 0.25%
72 Months $500 Monthly 0.25% 0.25%
12 Months $10,000 Monthly 0.10% 0.10%
24 Months $10,000 Monthly 0.10% 0.10%
36 Months $10,000 Monthly 0.25% 0.25%
48 Months $10,000 Monthly 0.25% 0.25%
60 Months $10,000 Monthly 0.25% 0.25%
72 Months $10,000 Monthly 0.25% 0.25%
12 Months $50,000 Monthly 0.10% 0.10%
24 Months $50,000 Monthly 0.10% 0.10%
36 Months $50,000 Monthly 0.25% 0.25%
48 Months $50,000 Monthly 0.25% 0.25%
60 Months $50,000 Monthly 0.25% 0.25%
72 Months $50,000 Monthly 0.25% 0.25%

Note: A penalty may be imposed for IRA and Certificate withdrawals before maturity. See your Important Account Information for Our Members documents for details.
The Annual Percentage Yield is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained.
NCUA - Your account is insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF).  Individual Retirement Accounts (IRAs) are eligible for separate insurance protection up to $250,000.

Money Market Rates


Types Min. Initial Deposit Min. Bal to Earn Divid. at Tier Rate Compound Period Divid. Rate APY*
Premium Money Market (Bronze) $1,000 $1,000 - $24,999.99
 Monthly 0.03% 0.03%
Premium Money Market (Silver)
 $1,000 $25,000 - $49,999.99
 Monthly 0.03% 0.03%
Premium Money Market (Gold)
 $1,000 $50,000 - $99,999.99
 Monthly 0.02% 0.02%
Premium Money Market (Platinum)
 $1,000 $100,000 - $249,999.99
 Monthly 0.01% 0.01%
Premium Money Market (Diamond)
 $1,000 $250,000 and above
 Monthly 0.01% 0.01%

*Annual Percentage Yield (APY). Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. Rates on accounts are variable and subject to change. Fees could reduce the earnings on your account. The APY assumes that requirements for a minimum daily balance are met and that dividends remain on deposit until maturity. Annual percentage rates and annual percentage yields on savings products are based on the most recent dividend declaration

For a complete description of First Financial accounts, products and services, please call First Financial at 732.312.1500 to request the Important Account Information for Our Members documents.