First Financial Credit Union Toms River NJ | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First Financial, your trusted partner in personal and business banking located at 1360 Route 9, Toms River, NJ 08755. Established in 1936, our commitment to serving the community has only grown stronger over the decades. With a robust membership of 15,985 and total assets amounting to an impressive $180,705,676, we are dedicated to providing financial solutions that meet the diverse needs of our members. At First Financial, we believe in building lasting relationships with our members. Whether you're looking for a new auto loan or need assistance with savings and checking accounts, our team is here to help. We pride ourselves on being approachable and reliable, ensuring that every visit feels like coming home. Under the leadership of CEO Issa Stephan and Board President Gordon Holder, we have fostered a culture of trust and community engagement. While members can visit us at our Toms River branch, official correspondence should be sent to PO Box 1372, Toms River, NJ 8754. Our branch features convenient services such as online banking, mobile payments, and a drive-thru service for easy access to your funds. With total deposits of $6,312,587 and total loans outstanding reaching 6722, we are equipped to help you reach your financial goals. Our team of 51 employees is ready to assist you during our operating hours: Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 8:30 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Explore our offerings by visiting us online at First Financial or give us a call at 732-312-1500. Join us today and experience the difference that comes from being part of a credit union that truly cares about its members!

Branch History & Mission

First Financial has a proud history that began in 1936 when it first opened its doors to serve the community of Toms River, NJ. Since then, we have grown into a trusted financial partner for nearly 16,000 members, with total assets reaching an impressive $180,705,676. Our commitment to our members and the community has been the driving force behind our growth and success. Located at 1360 Route 9 in Toms River, our branch is conveniently situated near several local landmarks, making it easily accessible for all our members. Whether you're stopping by for personal banking services or just to ask a question, we are here to help. For official correspondence, please send your mail to PO Box 1372, Toms River, NJ 8754. At First Financial, we believe in putting people first. Our mission is simple: to provide exceptional financial services while actively supporting and uplifting our community. We offer a range of products including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. We also focus on business banking solutions like merchant services and business loans. Over the years, we have made significant strides in enhancing our digital offerings. Members can enjoy online and mobile banking features such as electronic statements and mobile payments for added convenience. We understand the importance of accessibility; that's why we ensure our branch is ADA compliant and equipped with an ATM for quick cash withdrawals. Community engagement is at the heart of what we do. We pride ourselves on building strong partnerships with local organizations to contribute positively to Toms River and beyond. From financial literacy workshops to various outreach initiatives, we strive to be more than just a financial institution; we aim to be a pillar of support in the lives of our members. Our operating hours reflect our commitment to serving you better: Monday through Thursday from 8:30 AM to 5:00 PM; Friday from 8:30 AM to 6:00 PM; and Saturday from 9:00 AM to 1:00 PM. With drive-thru banking available for your convenience as well as ATM access, we make it easy for you to manage your finances without hassle. As we look toward the future, we invite you to join us on this journey. Experience the benefits of being a member at First Financial today! Reach out at 732-312-1500 or visit us at firstffcu.com to learn more about how we can help you achieve your financial goals. Together, let's build a brighter future for our community!

Branch Location & Accessibility

A Range of Services at Your Fingertips

At First Financial, we offer a variety of services designed to meet all your banking needs. From personal checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards, there's something for everyone. Our ATM is available on-site for quick cash access whenever you need it. While members can visit us at 1360 Route 9, official correspondence should be sent to PO Box 1372 in Toms River if needed. If you have questions or want more information about our services, don't hesitate to reach out! You can call us at 732-312-1500; our friendly staff is eager to assist you.

Come Visit Us!

We invite you to stop by the First Financial Toms River Branch today! Experience firsthand how we can support your financial journey in a welcoming environment. Whether you're opening a new account or seeking advice on loans, we're here for you every step of the way!

Convenient Access and Parking

At First Financial, we prioritize accessibility. Our branch features ample parking with designated spots for those who may need assistance. Whether you're visiting us for a quick transaction or exploring options for a new auto loan, you'll find our location welcoming and easy to navigate. We comply with ADA standards, ensuring that everyone can access our services without any hassle.

Operating Hours That Suit Your Schedule

We understand that life can be busy! That's why our doors are open Monday through Thursday from 8:30 AM to 5:00 PM, and we stay open late on Fridays until 6:00 PM for those who need some extra time to get their banking done. Plus, we're here on Saturdays from 9:00 AM to 1:00 PM for your convenience. Whether you prefer walking into the lobby or using our drive-thru service for quick deposits and withdrawals, we've got you covered.

Member Eligibility

At First Financial, we believe that joining our community should feel like coming home. Becoming a member is simple and welcoming. If you live, work, worship, or attend school in the Ocean County area, you're likely eligible to join us! This means that whether you're looking for great savings options, affordable loans, or personalized service, we're here to support your financial journey. You can learn more about the specific eligibility criteria by visiting our website at http://www.firstffcu.com/membership/first-financial-membership . Once you find out you're eligible, opening an account is easy! Just swing by our branch located at 1360 Route 9 Toms River Nj 08755, or give us a call at (732) 312-1500 for assistance. Our friendly team is ready to help you take this exciting step towards better banking today. For detailed information on how to open an account, check out http://www.firstffcu.com/personal-accounts/apply-for-a-loan . We can't wait to welcome you into the First Financial family!

Business Banking & Commercial Services

Business Loan Options

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 being able to invest in new equipment, hire additional staff, or increase your inventory all made possible through our tailored loan options. With the right funding, you can turn aspirations into reality.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: a customer walks into your store, eager to make a purchase. With our streamlined payment solutions, transactions become quick and hassle-free, enhancing customer satisfaction and helping you close sales more efficiently. Whether you're based at 1360 Route 9 Toms River Nj 08755 in Toms River, NJ, or anywhere else in the area, we're here to help your business thrive. Contact us today at (732) 312-1500 and discover how First Financial can be your partner in success!

Comprehensive List Of Services

Accessing Your Funds

Need quick access to cash? We have ATMs available for withdrawals and balance checks right when you need them. Plus, our drive-thru service allows for easy deposits and simple transactions without leaving your car perfect for busy days! At First Financial, we pride ourselves on being more than just a credit union; we are a partner in your financial journey. Our commitment extends beyond traditional banking services as we strive to offer valuable resources and support every step of the way. Ready to experience these services firsthand? Give us a call at (732) 312-1500 or visit us at 1360 Route 9 Toms River Nj 08755 in Toms River, NJ today! Your financial well-being is just around the corner with First Financial!

Business Banking

For our members running a business, we provide specialized banking services including merchant services and business loans. We believe that supporting local businesses strengthens our community, so we're here to help you thrive.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer online and mobile banking solutions that allow you to manage your accounts anytime, anywhere. With features like person-to-person payments and mobile deposits, handling your finances has never been easier.

Home Financing

Thinking about buying a home or refinancing your existing mortgage? Our mortgage loans are designed with you in mind, providing straightforward solutions to help you achieve your homeownership goals. We'll guide you through the process so you can focus on making memories in your new space.

Personal Banking Solutions

Whether you're opening your first checking account or looking for a reliable savings option, our personal banking services cater to everyone. Our checking and savings accounts come with user-friendly features that make it easy to track your spending and save for the future. Need extra cash for that dream car? Explore our auto loans and vehicle financing options, which offer competitive rates and flexible terms tailored to fit your budget.

Personal Loans & Credit Cards

Life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation options. These services can help simplify your finances and reduce stress. Additionally, our credit cards come with rewards that let you earn while you spend perfect for those who love to shop!

Digital & Online Banking

Key Services

Our online banking platform allows you to check balances, transfer funds, and pay bills with just a few clicks. If you're on the go, don't worry! Our mobile application is ready to help you stay connected. You can even make mobile payments easily and quickly, so you never miss a beat when it comes to managing your finances. One of the standout features at First Financial is our electronic signature authorization. This means you can sign documents securely online without needing to visit us in person. Plus, with e-statements available, you can access your account statements digitally saving paper and keeping everything organized.

Security and Convenience

Your security is our top priority. We use advanced technology to ensure that your personal information stays safe while you enjoy the benefits of digital banking. From person-to-person transfers to easy account management, every feature is crafted with user-friendliness in mind. Whether you need to check your balance or send money to a friend instantly, our services provide real-time access to your accounts. No more waiting for bank hours; everything you need is right at your fingertips. Join us at First Financial today and experience how easy banking can be with our innovative digital solutions!

Financial Strength

Commitment to Innovation

With $4,897,095 in undivided earnings, we reinvest in innovative banking tools and stronger lending options. This commitment enhances our ability to serve you better while ensuring your funds are secure. We also support our community with $110,647,564 in total loans and leases. Our lending capacity includes 2,341 used auto loans, helping many members achieve their vehicle financing goals.

Growing Membership

We proudly serve 27,942 total share accounts, showing a strong and growing member base that trusts us with their finances. At First Financial, your peace of mind is our priority; whether you're saving for the future or looking for loans today. 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 1360 Route 9 Toms River NJ 08755 or call 732-312-1500 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our net income of $141,295, which allows us to continue offering competitive loan rates and solid financial products for all members. We have a dedicated team of 45 full-time employees and 6 part-time employees, ensuring our branches are always ready to assist you with knowledgeable service.

Secure Savings

Members' savings are secured through $3,483,135 in share certificates and $23,851,873 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize our members over non-member deposits; currently, we have no non-member deposits. This focus ensures that our resources are dedicated to benefiting you through better loan rates and exclusive perks.

Solid Foundation

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. Our net worth ratio of 671 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Options

If you're looking for additional financing solutions, our total credit lines amount to $10,281,939, giving you access to funds when you need them most. Our knowledgeable team is ready to assist you in exploring refinancing options as well as eligibility criteria for all our products. Whether it's financing a new adventure or consolidating debt, we're committed to providing personalized support at every step. For more information about our loan offerings, feel free to reach out via phone at (732) 312-1500 or visit us at 1360 Route 9 Toms River Nj 08755, Toms River, NJ. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you navigate your financial journey!

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. Whether you prefer a brand-new model or a reliable used car, we can help finance your purchase.

Credit Card Loans

Managing everyday expenses is easier with our flexible unsecured credit card loans. With a total of $6,437,964 in loans helping members manage their finances effectively, you'll appreciate features like rewards programs and competitive interest rates.

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 also provide guidance on eligibility requirements to ensure you find the best terms for your situation.

Loan Aggregator

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FIRST FINANCIAL FEDERAL CREDIT UNION - Toms River, NJ