First Financial Credit Union Neptune NJ | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to First Financial, your trusted credit union located at 783 Wayside Rd, Neptune, NJ 07753. Since our establishment in 1936, we have proudly served our community by focusing on the financial well-being of our members. With a dedicated team of 51 employees, including our CEO Issa Stephan and Board President Gordon Holder, we are committed to providing exceptional service and personalized financial solutions. At First Financial, we believe that every member deserves access to quality banking services. Our total assets stand at an impressive $180,705,676, with total deposits reaching $6,312,587. We currently serve a vibrant community of 15,985 members, all benefiting from our wide range of offerings from personal banking and auto loans to business services and online banking options. Your trust is important to us, which is why we ensure sound financial management reflected in our net worth of $12,143,719 and a cash reserve of $1,286,584. We take pride in being part of your financial journey by offering a variety of loans tailored to meet your needs totaling 6,722 loans and leases. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 783 Wayside Rd, Neptune, NJ 7753. Experience the difference with First Financial. We invite you to explore how we can assist you in achieving your financial goals. For more information or assistance, feel free to call us at 732-312-1500 or visit our website at firstffcu.com. Let us help you unlock your potential!

Branch History & Mission

Community Engagement

First Financial takes pride in being an active participant in community outreach programs. We partner with local organizations to provide resources and support where it matters most. Our drive-thru service ensures that even during busy times, members can access essential banking services without hassle. With operating hours from 8:30 AM to 5:00 PM Monday through Thursday, extended hours until 6:00 PM on Fridays, and Saturday hours from 9:00 AM to 1:00 PM for drive-thru banking, we aim to accommodate everyone's schedule.

Join Us Today!

We invite you to experience the benefits of membership at First Financial. Whether you're looking for personal banking options or business solutions, we are here to assist you every step of the way. Contact us today at (732) 312-1500 or visit our website at First Financial to learn more about how we can help you achieve your financial goals. Together, let's build a brighter future!

Our Legacy

From our humble beginnings, First Financial has evolved into a trusted financial institution with total assets reaching $180,705,676. We have always focused on providing exceptional service while staying true to our mission: to enhance the financial well-being of our members through personalized banking solutions and community support. The unique identifier for our Neptune Branch is 25,924, which helps us track our growth and progress over the years. As technology has advanced, so have we. Today, we proudly offer digital banking services that make managing finances easier than ever. From online banking to mobile payments and e-statements, we strive to meet the needs of our modern members while ensuring that all services are ADA compliant for accessibility.

Our Mission

Our mission goes beyond just providing financial services; it's about making a meaningful impact in the lives of our members and within the community. We believe in fostering strong relationships built on trust and transparency. Whether it's through offering competitive auto loans or supporting local initiatives, First Financial is committed to enhancing the quality of life in Neptune and surrounding areas. While you can visit us at 783 Wayside Rd for all your banking needs, any official correspondence should be directed to our mailing address at 783 Wayside Rd, Neptune, NJ 7753.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our branch is ADA-compliant, featuring ramps and designated parking spots for those who need them. You'll find ample parking space right outside the entrance, making it simple for everyone to stop by.

Convenient Location and Nearby Landmarks

Situated in the heart of Monmouth County, our branch is easily accessible from major roads and highways. If you're out enjoying the nearby parks or visiting local shops, we're just a short drive away. Plus, if you prefer public transportation, you'll find bus stops nearby to make your visit even easier.

Operating Hours That Work for You

At First Financial, we understand that life can be busy. That's why our operating hours are designed to fit your schedule. We're open from 8:30 AM to 5:00 PM Monday through Thursday, 8:30 AM to 6:00 PM on Fridays, and from 9:00 AM to 1:00 PM on Saturdays for drive-thru banking. This flexibility means you can visit us when it's most convenient for you!

Services Offered

Our Neptune Branch offers a variety of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered! You can also take advantage of our ATM services for quick cash withdrawals or balance checks any time of day. Plus, our drive-thru service allows for quick transactions without leaving your vehicle. If you have any questions or need assistance, don't hesitate to reach out! Give us a call at (732) 312-1500 or stop by our branch today. We look forward to serving you at First Financial!

Member Eligibility

At First Financial, we believe that joining our community is like becoming part of a family that truly cares about your financial well-being. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the areas around Neptune, NJ, you're likely eligible to join us. We also extend membership to family members of current members, making it easy for loved ones to enjoy the benefits we offer together. By choosing First Financial, you gain access to a variety of services designed with your needs in mind, from checking accounts to auto loans and more. To get started on your membership journey, feel free to visit us at 783 Wayside Rd Neptune Nj 07753 or check out more details about eligibility at http://www.firstffcu.com/membership/first-financial-membership . Once you're ready to open an account, simply follow the steps outlined at http://www.firstffcu.com/personal-accounts/apply-for-a-loan or give us a call at (732) 312-1500. We can't wait to welcome you into our supportive community!

Business Banking & Commercial Services

Merchant Services for Your Business Needs

In today's fast-paced market, efficient payment solutions are crucial for success. That's where our merchant services come into play. From accepting credit cards to managing online transactions, we provide tools that simplify your operations and enhance customer experiences. Whether you're a startup looking to establish yourself or an established business aiming for growth, First Financial is here to support you every step of the way. Reach out today at (732) 312-1500 to learn more about how we can help your business succeed!

Supporting Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $70 in non-member commercial loans, providing flexible financing solutions. Imagine needing to upgrade your equipment or expand your inventory. With our competitive loan options, you can secure the funds you need without breaking a sweat. Our team is here to guide you through every step of the process.

Comprehensive List Of Services

Business Banking

For small business owners, we offer tailored solutions through our business banking services, including merchant services and business loans. We recognize how vital it is for businesses to have access to funds when they need them.

Convenient Access

We pride ourselves on offering convenient banking solutions. With features like basic drive-thru banking for quick deposits and withdrawals, as well as basic ATM access for balance checks, we ensure that accessing your funds is straightforward and hassle-free.

Credit Cards

With our credit cards featuring rewards, you can earn points or cashback on everyday purchases. It's an easy way to save while enjoying the flexibility of credit when you need it most.

Get Started Today!

At First Financial, we're here to support all your financial needs. Reach out to us at (732) 312-1500 or visit us in person at 783 Wayside Rd Neptune Nj 07753 in Neptune, NJ**. We invite you to explore how we can help you achieve your financial goals today!

Home Financing

Thinking about purchasing a home? Our mortgage loans and refinancing options can help make that dream a reality. We understand how important this decision is, which is why our team is here to guide you through the process every step of the way.

Personal Banking

When it comes to personal banking, we offer a variety of options that make managing your money simple and effective. Our checking and savings accounts are designed to help you grow your savings while providing easy access to your funds. Imagine being able to check your balance or transfer money right from your phone with our online and mobile banking services! You can also take advantage of ATM and cash withdrawal services available at our branch and beyond. For those looking to finance a vehicle, our auto loans and vehicle financing options come with competitive rates and flexible terms. Whether you're eyeing a new car or need a reliable used vehicle, we've got you covered.

Personal Loans

If you're facing unexpected expenses or want to consolidate debt, consider our personal loans and debt consolidation services. We aim to provide solutions that fit your unique situation, making it easier for you to get back on track financially.

Digital & Online Banking

Key Services for Your Convenience

Our online banking allows you to manage your finances 24/7. Whether you're checking your balance or transferring funds, everything is just a few clicks away. You can also sign documents electronically, making the process quicker and hassle-free with our electronic signature authorization feature. No need to print or fax! For those who prefer going paperless, e-statements are available, giving you easy access to your account statements without the clutter. Plus, if you're always on the go, our mobile application ensures that all these features are right in your pocket.

Stay Connected with Mobile Features

We also offer mobile payments, making it simple to pay for purchases right from your phone no cash or cards needed! If you want to split a bill with a friend, our person-to-person transfer service lets you send money quickly and securely. At First Financial, we prioritize security while providing these services. You can rest easy knowing that your information is protected as you manage your accounts. Our goal is to make banking not just accessible but also safe and reliable. Experience the ease of managing your finances digitally with us today! Visit https://www.firstffcu.com/ to explore more about our offerings and how they can benefit you.

Financial Strength

Commitment to Innovation

With $4,897,095 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is substantial too; with $2,341 in used auto loans and $110,647,564 in total loans and leases, we support members' financial goals across various sectors.

Growing Member Base

The strength of our community is further highlighted by our total share accounts of 27,942, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Financial is your trusted partner. Visit us at 783 Wayside Rd Neptune Nj 07753 or call (732) 312-1500 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Your savings are secure with us! Members benefit from $3,483,135 in share certificates and $23,851,873 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members; with non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is evident with a net income of $141,295, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 45 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $12,143,719, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This robust net worth is reflected in our net worth ratio of $671, which demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $39,746,298 in used vehicle loans and $8,406,567 in new vehicle loans already helping members get on the road. We provide flexible financing options and can assist you in refinancing your current auto loan if needed.

Credit Lines

For those who prefer a line of credit for unexpected expenses or projects, our total credit lines stand at $10,281,939. This option gives you access to funds whenever you need them without having to apply for a new loan each time. If you're interested in exploring our loan offerings further or would like to check eligibility options, feel free to contact us at 732-312-1500 or visit us at 783 Wayside Rd, Neptune NJ 07753. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're ready to apply now or just have questions about which loan might be right for you, our dedicated team is here to assist. Let's work together towards achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $21,956,938, make buying or refinancing simple. We work closely with you to find the right mortgage solution that fits your budget and lifestyle.

Unsecured Credit Card Loans

Managing finances can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $6,437,964 in loans available, our credit cards come with benefits designed to help you manage your spending effectively.

Loan Aggregator

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Verified Data

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FIRST FINANCIAL FEDERAL CREDIT UNION