First Financial Neptune NJ Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to First Financial at the Neptune Branch, where community and trust come together! Located at 783 Wayside Rd, Neptune, NJ 07753, we have proudly served our members since 1936. With a commitment to providing top-notch financial services, our credit union has grown to include over 15,985 members and manages an impressive $180,705,676 in total assets. At First Financial, we believe that your financial journey is important. Our friendly team of 51 employees, led by CEO Issa Stephan and Board President Gordon Holder, is dedicated to helping you navigate everything from personal banking needs to business loans. Whether you are looking for checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. While members can visit us at our branch location for in-person assistance, please note that any official correspondence should be sent to the same address: 783 Wayside Rd, Neptune, NJ 7753. With total deposits reaching $6,312,587 and a robust net worth of $12,143,719, we are well-equipped to support your financial goals. Our range of services includes online and mobile banking options for your convenience because we know life can be busy! We invite you to reach out to us today at 732-312-1500 or explore more on our website here. Join us in making your financial dreams a reality!

Branch History & Mission

Welcome to the Neptune Branch of First Financial, where our story began in 1936. Since then, we have grown from a small credit union into a vital part of the community, proudly serving over 15,900 members. Our branch is located at 783 Wayside Rd, Neptune, NJ 07753, a place easily accessible for everyone in the area. At First Financial, we believe in empowering our members with the financial tools they need to thrive. Our mission is clear: we aim to provide exceptional financial services while supporting and enhancing the lives of those in our community. Whether it's through personal banking options like checking and savings accounts or offering auto loans and mortgage refinancing, we're here to help you achieve your goals. Over the years, we've achieved significant milestones that reflect our commitment to both growth and service. With total assets now exceeding $180 million, we are equipped to offer competitive rates and innovative products. We understand that convenience is essential for our members; that's why we provide ATM access and drive-thru banking services to make your experience as smooth as possible. While members can visit us at 783 Wayside Rd for all their banking needs, official correspondence should be sent to our mailing address at 783 Wayside Rd, Neptune, NJ 7753. This ensures that you always reach us without any hassle. Our operating hours are designed with your schedule in mind: 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. We are dedicated to being there when you need us. As we continue to evolve with advancements in technology like mobile payments and online banking we remain steadfast in our commitment to accessibility and inclusivity. Our goal is not only to meet the financial needs of our members but also to support community outreach initiatives that uplift those around us. Join us at First Financial and experience firsthand how we can help you navigate your financial journey. Together, we can build a brighter future for everyone in Neptune. For more information or assistance, feel free to call us at 732-312-1500. We look forward to welcoming you into our family!

Branch Location & Accessibility

Accessibility and Features

At First Financial, we understand that accessibility is key. Our branch offers ample parking, including ADA-compliant spaces and ramps to ensure that everyone can visit us comfortably. Whether you prefer to walk in or use our drive-thru service, we've got you covered. Our drive-thru hours are designed for your convenience, allowing you to handle your banking needs without leaving your vehicle.

Get in Touch

Feel free to give us a call at 732-312-1500 if you have any questions or need assistance before your visit. We look forward to serving you soon! Come see why so many in Neptune trust First Financial as their go-to financial partner.

Operating Hours and Services

We're here for you during the week with lobby hours from 8:30 AM to 5:00 PM, Monday through Thursday, and extended hours until 6:00 PM on Fridays. Plus, our drive-thru is open on Saturdays from 9:00 AM until 1:00 PM for those busy weekends. With services ranging from personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we have something for everyone. While members can visit us at our branch address, official correspondence should be sent to our mailing address at 783 Wayside Rd, Neptune, NJ 7753.

Member Eligibility

At First Financial, we believe that becoming a member means joining a community that truly cares about your financial well-being. If you're looking to take advantage of our personalized services and benefits, you'll be pleased to know that membership is open to a wide range of individuals. Whether you live, work, or worship in the area, or if you have family members who are already part of our credit union, you're likely eligible to join us at our welcoming branch located at 783 Wayside Rd Neptune Nj 07753. To learn more about specific eligibility details and criteria, feel free to visit our website at http://www.firstffcu.com/membership/first-financial-membership. The process of becoming a member is straightforward and designed with you in mind. We're here to help every step of the way! Once you're ready to open an account, simply check out the information available at http://www.firstffcu.com/personal-accounts/apply-for-a-loan. If you have any questions or need assistance, don't hesitate to give us a call at (732) 312-1500. We can't wait to welcome you into our First Financial family!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to our loan offerings, we provide comprehensive merchant services. These tools enable businesses like yours to streamline transactions and manage payments effortlessly. Picture this: with our reliable payment processing solutions, you can focus on what you do best running your business while we handle the rest. Located at 783 Wayside Rd, Neptune, NJ 07753, we invite you to explore how First Financial can be your partner in achieving your business goals. Contact us today at 732-312-1500 or visit our website here to learn more!

Tailored 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 finance that new piece of equipment or expand your storefront without the stress of financial constraints. Our commercial loans can be a game-changer, offering you the capital needed to seize opportunities as they arise.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans provide competitive rates and flexible terms to fit your budget. We understand that buying a vehicle is a significant investment, so our team will work with you to secure financing that meets your needs. From first-time buyers to seasoned drivers looking for refinancing options, we've got you covered.

Business Banking Solutions

For entrepreneurs and business owners, we offer essential business banking services like merchant services and business loans. Your success is important to us; hence, we provide tailored solutions that help grow your business while keeping financial management stress-free.

Convenient Access Points

We pride ourselves on offering not just great services but also convenience. With ATM availability and basic drive-thru banking services for deposits and withdrawals, accessing your money has never been easier. Whether you're stopping by during lobby hours or using our ATM after hours, we're here for you. As technology continues to shape how we bank, we embrace digital features such as mobile payments and person-to-person transfers, ensuring that our members have easy access whenever they need it. In conclusion, First Financial is more than just a credit union; we're a community partner dedicated to helping you achieve your financial goals. If you'd like to learn more about any of our services or how we can assist you further, please don't hesitate to reach out at 732-312-1500 or visit us at firstffcu.com. Let's take this journey together!

Home Financing Solutions

Homeownership is within reach with our mortgage loans and refinancing options. We know that finding the right mortgage can be overwhelming, but our knowledgeable staff is here to guide you through the process. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, we make it easier for you.

Personal Banking Made Easy

Whether you're opening a checking or savings account, our personal banking services are designed with you in mind. With options that suit various lifestyles, we ensure that managing your finances is straightforward and convenient. Imagine being able to easily access your funds through online and mobile banking, where you can check balances, make transfers, or pay bills from the comfort of your home or on-the-go.

Personal Loans & Debt Consolidation

Need extra cash for unexpected expenses? Our personal loans can help cover those costs without breaking the bank. Additionally, if you're juggling multiple debts, consider our debt consolidation options. We can assist you in combining all your debts into one manageable payment, making it simpler for you to regain control over your finances.

Rewarding Credit Cards

Our credit cards come with rewards that benefit you every time you use them. Whether it's cashback on purchases or travel rewards for your next adventure, enjoy flexibility and perks that add value to your everyday spending.

Digital & Online Banking

Key Features

Security is a top priority for us. That's why we offer electronic signature authorization for a quick and secure way to handle important documents without the hassle of printing and mailing. You can also opt for e-statements to keep your financial records organized and environmentally friendly. This feature not only saves paper but also allows you to access your statements whenever you need them. Our mobile payments feature means you can make purchases directly from your smartphone no cash or cards needed! Additionally, our person-to-person transfers let you send money to friends or family instantly, making splitting bills or sharing expenses a breeze.

User-Friendly Experience

We believe that banking should be intuitive. Our digital platform is designed with you in mind, ensuring that even those new to online banking find it user-friendly. You can easily navigate through your accounts and transactions without any confusion. At First Financial, we're dedicated to providing you with the tools you need for effective real-time account management while ensuring your information remains safe and secure. Embrace the convenience of digital banking today!

Financial Strength

Conclusion

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.

Dedicated Team & Member Trust

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 and committed team. Our growth is further demonstrated by our total share accounts of 27,942, showcasing a strong member base that trusts us with their finances.

Secure Savings Options

Your savings are secure with us through $3,483,135 in share certificates and $23,851,873 in money market shares, which offer 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.

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. 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.

Strong Earnings & Lending Capacity

Our financial performance is reflected in our $4,897,095 in undivided earnings which allow us to reinvest in innovative banking tools and stronger lending options. We have an impressive $110,647,564 in total loans and leases, including $23,41 in used auto loans. This lending capacity supports your financial goals across various sectors. Our operational efficiency is highlighted by our net income of $141,295, enabling us to continue offering competitive loan rates and solid financial products for our members.

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 financing options that suit your budget, whether it's for a brand-new vehicle or a reliable pre-owned one.

Contact Us

Ready to explore our loan products? Visit us at 783 Wayside Rd Neptune Nj 07753, Neptune, NJ, or give us a call at (732) 312-1500. Our dedicated team is here to assist you from 8:30 am to 5:00 pm Monday through Thursday, until 6:00 pm on Friday, and from 9:00 am to 1:00 pm on Saturday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial goals!

Credit Lines and Refinancing Options

In addition to these offerings, our total credit lines stand at $10,281,939, providing you with additional flexibility when it comes to managing expenses. If you're considering refinancing any existing loans, we have options available that could lower your monthly payments or reduce your interest rate.

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 help you navigate the process smoothly and find terms that fit your financial situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $6,437,964 in loans helping members manage their finances effectively. Our credit cards come with features designed to reward you while keeping your spending in check.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This guarantees that users receive fair and transparent offers. By relying on data from legitimate financial institutions, LendMesh ensures that users can trust the information they are comparing.

First Financial