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    Credit union mortgage rates
    Home state: New Jersey
    Lends in 1 state

    FIRST FINANCIAL mortgage rates

    FIRST FINANCIAL's lowest publicly advertised 30-year fixed rate today is 7.083% APR — the national average is 7.147%. That's about $6,218 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read FIRST FINANCIAL's rates every weekday, starting around 11 a.m. Central.

    We last read FIRST FINANCIAL's rates page on Nov 2, 2026.

    Today's rates from FIRST FINANCIAL

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.083%—Nov 2, 2026Visit
    20 Year Fixed6.75%6.855%—Nov 2, 2026Visit
    15 Year Fixed6.625%6.755%—Nov 2, 2026Visit
    10 Year Fixed6.5%6.679%—Nov 2, 2026Visit
    Visit FIRST FINANCIAL's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join FIRST FINANCIAL

    Membership is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties, New Jersey. Immediate family members of current members and employees of community partner organizations are also eligible to join.

    County
    Monmouth County, NJ, Ocean County, NJ

    Where FIRST FINANCIAL writes mortgages

    FIRST FINANCIAL publishes mortgage lending in 1 state.

    New Jersey

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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