Loan Rates

First Financial Federal Credit Union Loan Rates

Rates Effective as of 11/1/2024

Deposit Rates

New & Used Auto Loans - Model Year 2020 and Newer* Less than 75,000 miles

Term APR as low as
Up to 36 Months 4.74%
Up to 48 Months 4.99%
Up to 60 Months 5.49%
Up to 72 Months 5.99%
Up to 84 Months  *New Vehicles Only!
 6.24%

Auto Loans - Model Year 2019 and 2018* Up to 120,000 miles


Term APR as low as
Up to 36 Months 5.24%
Up to 48 Months 5.49%
Up to 60 Months 5.74%
Up to 72 Months 6.24%

Auto Loans - Model Year 2017 and Older* Up to 120,000 miles


Term APR as low as
Up to 36 Months 5.74%
Up to 48 Months 5.99%
Up to 60 Months 6.74%
Up to 72 Months 6.99%

New & Used Boats and RVs*


Term APR as low as
Up to 48 Months 7%
Up to 60 Months 7.25%
Up to 84 Months 7.5%
Up to 120 Months 8%

Motorcycle Loans*

Term                
APR as low as
Up to 60 Months 5.5%
Up to 72 Months
 6.25%

Signature Loans*


Term APR as low as
Up to 24 Months 10.24%
36 Months 10.74%
48 Months 11.24%
60 Months 11.74%

First Mortgages* 


Term APR as low as
10 Years 6.375%
15 Years 6.375%
20 Years
6.875%
30 Years
6.875%

Fixed Rate Home Equity Loans/2nd Mortgages**


Term APR as low as
5 Years 6%
10 Years
 6.25%
15 Years
 6.75%
20 Years 7.25%

Other Loan Rates

  • Rates as low as 9.99%
  • Available up to 70% LTV and maximum line amount of $75,000
  • Rates as low as 15.65% 
  • Rates as low as 17.65%
  • Rates as low as 17.65% 
  • Rates as low as 17.65% 
Share Pledge (Base Shares Only)
  • Up to 60 Months Base Savings Rate +3.5%
Co-Signer Loans - Same terms as Signature Loans

Homeowner's Plus Equity 15 years
Variable Rate. Pay as low as Prime Rate with a 15% APR Lifetime Cap. (Subject to change based on the Prime Rate as published in the Wall Street Journal on the last business day of each month).

Certificate Pledge Loans
Up to Certificate Maturity Date - Certificate Rate +3.5%

Other Loans Available
To get a loan application, call 732.312.1500. Or stop by to speak with a representative at any of our locations in Toms River, Freehold/Howell, or Neptune.
APR = Annual Percentage Rate. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. Rates and terms subject to change without notice, contact us for current details. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.
*Rates shown are lowest possible and may not apply to every borrower, higher rates may be charged depending on credit qualifications.
**Rates for financing up to 80% of Appraised Value less other Mortgages.
+APR varies from 15.65% to 18% for the Visa Simply First Card when you open your account based on your credit worthiness. This APR is for purchases and will vary with the market based on the Prime Rate. Subject to credit approval. 
++APR varies from 17.65% to 18% for the Visa Cash Plus and Visa First Step Cards when you open your account based on your credit worthiness. This APR is for purchases and will vary with the market based on the Prime Rate. Subject to credit approval.