First Edition Member Newsletter: Quarter 1 2026

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Our Quarterly Member Newsletter is here, and it’s packed with lots of financial tips, fresh insights, and exciting updates!

Our Member Newsletter is now available electronically, where it can be found on our website and social media sites. Paper copies will be available in our branches.

The Q1 2026 First Edition Member Newsletter features the following:

To view a copy of the newsletter, click here.

We hope you enjoy exploring what’s new here at First Financial!

*APR=Annual Percentage Rate. Promotional period is March 2, 2026 through August 31, 2026. A First Financial membership is required to obtain an auto loan. A $5 deposit in a base savings account is required for credit union membership prior to opening any account/loan and is open to anyone who lives, works, worships, or attends school in Monmouth or Ocean Counties. Subject to credit approval. In order to participate in the 90th Anniversary Auto Loan Grand Prize Drawing, an entry form must be filled out and turned into a First Financial branch during the promotional period. Limit one entry form per person, must be 18 years old to enter. No purchase necessary. Two entry forms will be drawn at random by the Marketing Department each month. New entry forms must be turned into the branch by lobby closing on the last day of the month, in order to qualify for the current month’s drawing. If the last day of the month falls on a weekend, entry forms for that month must be turned in by 12:30pm on Saturday. Prize recipients will be notified by the Marketing Department on or about the 15th day of the month following the month of entry form submission. The monthly grand prize winner will have the option to receive 0.90% APR off their approved auto loan rate, which must be redeemed at the time of loan closing and within 90 days from the date of drawing. First Financial FCU maintains the right to not extend credit, after you respond, if we determine you do not meet our guidelines for creditworthiness. Current loans financed with First Financial FCU are not eligible for refinance or rate reduction. Minimum loan amount is $15k. Not available in combination with any other offer. Should the monthly grand prize winner opt out of the auto loan option, a $100 Amazon gift card will instead be awarded. Gift card option would still need to be claimed within 90 days from the drawing date. A 2nd runner-up will also be drawn each month during the promotional period for a chance to win a prize valued at $50 (90th anniversary logo Yeti tumbler & coffee gift card). Entry forms not selected during a particular month, will be placed back into the drawing for additional chances to win throughout the promotional period.

Thinking About Buying a Home This Spring? Start With These 5 Questions

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Spring is one of the most popular times to buy a home and for good reason. Inventory tends to increase, the weather makes moving easier, and it’s the perfect season for fresh starts. But with more buyers entering the market, it’s also one of the most competitive times to purchase. If you’re thinking about buying a home this spring, taking a step back to ask the right questions can help you feel more prepared, confident, and financially secure throughout the process.

Here are five important questions to consider before you begin house hunting:

1. Am I financially ready?

It’s important to understand your financial foundation. This includes your income, savings, monthly expenses, and how much you can comfortably afford to pay for a mortgage payment. Beyond your down payment, you’ll also need to account for closing costs, moving expenses, and an emergency fund for unexpected repairs. Getting pre-approved for a mortgage is a great first step, as it gives you a clear picture of your budget and shows sellers you’re a serious buyer. If you’re local to Monmouth or Ocean Counties in NJ, we can help you get started on a pre-approval.*

2. Do I understand my credit?

Your credit score plays a major role in your homebuying journey. It can impact not only whether you qualify for a loan, but also the interest rate you receive. Before applying, take time to review your credit report, check for any errors, and understand where you stand. Even small improvements to your credit score can make a meaningful difference in your long-term costs. Learn more about this in our recent article on ways to help boost your credit if you’re looking for a home loan.

3. Have I planned for ongoing costs?

Owning a home comes with more than just a monthly mortgage payment. It’s important to plan for ongoing expenses like property taxes, homeowners’ insurance, utilities, maintenance, and potential repairs. Thinking through these costs ahead of time can help you avoid surprises and ensure your home remains a source of stability, not stress.

4. Am I prepared for a competitive market?

Spring often brings more listings, but also more buyers. That means homes can move quickly, and you may face multiple-offer situations. Being prepared is key. This includes having your financing in place, knowing your must-haves versus nice-to-haves, and being ready to act when you find the right home. Working with a trusted real estate agent and lender can help you navigate the process with confidence.

5. Do I have the right local support?

Buying a home is one of the biggest financial decisions you’ll ever make, and having the right support system matters. Working with a lender like First Financial means you’ll have access to personalized guidance, competitive loan options, and a team that understands the local market. From pre-approval to closing, having mortgage experts by your side can make the entire experience smoother and less overwhelming.

Ready to Take the Next Step?

Looking for a home this spring can be an exciting opportunity, but preparation is everything. By asking the right questions and building a strong foundation, you’ll be in a better position to find a home you love and a mortgage that fits your budget. Be sure to also take our guide to happy homeownership along with you!

If you’re ready to get started, we’re here to help guide you every step of the way. You can even schedule a video chat or phone call with one of our mortgage experts to get your homebuying journey started, with no commitment required. Happy spring house hunting!

*Subject to credit approval. Credit worthiness determines your APR. Rates quoted assume excellent borrower credit history and are for qualified borrowers. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. Higher rates may apply depending on terms of loan and credit worthiness. Minimum mortgage loan amount is $100,000. Available on primary residence only. The Interest Rates, Annual Percentage Rate (APR), and fees are based on current market rates, are for informational purposes only. Mortgage insurance may be required depending on loan guidelines. This is not a credit decision or a commitment to lend. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. See Credit Union for details. A First Financial membership is required to obtain a Mortgage and is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties.

Ways Small Businesses Can Get Involved in the Local Community

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As a small business owner, you know how important it is to have strong connections within your local community. From word-of-mouth referrals to online reviews and shoutouts in community forums – your satisfied customers are often your most powerful advocates. However, building those connections goes beyond delivering great products or services. Getting involved in your community is another driver of customer engagement and long-term growth. Let’s explore five different ways your business can get involved in the community – and the benefits you may see as a result.

Benefits of Community Involvement

The benefits of community involvement are multifold, its impact trickling into everything from your business’ visibility to the economic growth and development of the community. Check out some of the benefits your business might experience from being engaged locally.

  • Increased Brand Awareness: Community involvement will raise awareness about your business. Involvement puts your business’ name in front of more people, increasing recognition and helping it to become a community staple.
  • Improved Reputation: Supporting local initiatives demonstrates your values and commitment to the well-being of your community.
  • Improved Credibility: Being active in the community shows that your business is invested in more than just its own bottom line. This can improve the trust and confidence people have in your business.
  • Positive Word-of-Mouth: Meaningful community involvement generates positive buzz about your business. Research has shown that consumers are more likely to shop with businesses that support causes they care about – and participating in local initiatives demonstrates that you show up to support just that.

1. Sponsor Local Events

From local schools and charities to civic organizations and other small businesses – there are countless organizations that call your community home and host events that bring it together. These events usually provide opportunities for sponsorship, where your business provides financial support toward the event in exchange for recognition and exposure. The arrangement can take many forms – such as showcasing your business and distributing marketing materials, social media posts highlighting your contribution to the event, or your logo in event programs, banners, and signage. The financial support from sponsorships leads to event success and enhanced attendee experience, whereas sponsoring businesses will enjoy benefits like increased brand visibility and positive publicity.

2. Participate in Local Events

Sponsoring events isn’t the only way to show your support – you can also get involved by setting up a table and connecting with potential or existing customers. Talking with attendees puts a face to your business’ name, transforming your business into more than just a logo and a storefront. Showing up and giving your time and attention also sends another powerful message – that you believe your product or service can make a positive impact, and you want to share how it fits into the day-to-day lives of local consumers.

3. Partner with Other Local Businesses

Partnering with local businesses can help you tap into new markets you might not usually reach. This uplifts both businesses, helping offer unique experiences that are relevant to local consumers and reach a broader audience. Additionally, partnering with other established businesses can boost your reputation and credibility – being that another local business views yours as a trusted partner. Consider co-hosting educational events or offering complimentary deals or packages together. For example, partner with a local restaurant to host a Lunch and Learn – where attendees will have lunch via your business contact, while listening to an educational workshop or learning a new skill from you.

4. Engage on Social Media

77% of businesses use social media to reach customers, which presents a unique opportunity for small businesses. You can use social media to your advantage and stand out among the competition simply by engaging with your local community on social media platforms. Consider posting about local events your business is sponsoring or will participate in, tagging other local businesses or ones that are new to town, or engaging in community conversations.

5. Give Back to the Community

There are many ways your business can volunteer its time and resources in the community. Consider an employee day of service, where you organize a day for your staff to volunteer their time with a local charity. Another way to give back to the community is hosting an event for a cause. For example – a local pizzeria can donate a pizza (or the price of a pizza), to a local shelter for every pizza sold. Giving back fosters a sense of goodwill and pride, showing that you are dedicated to bettering the community you serve.

As a small business owner, you wear many hats – and adding a community involvement hat might seem overwhelming. However, your business will experience the benefits of community involvement even by starting small. To start, pick just one community involvement initiative and see how it can take your business to new heights!

Are you a local business within Monmouth or Ocean Counties and looking to get started with a business checking account or make the switch from another financial institution? Contact us to get started today, we’re happy to help!

*A First Financial membership is available to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account. Other terms & conditions may apply, see credit union for details.

Spring Cleaning? Unexpected Items That May Sell for Cash

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Spring is the perfect time to clean and refresh your space, but before you start tossing things into donation bins or trash bags – take a closer look. You might be sitting on extra cash without even realizing it.

With everyday costs continuing to rise, finding simple ways to boost your cash flow can make a difference. In fact, many households have unused items tucked away in closets, garages, and drawers that could be turned into cash.

Here are some commonly overlooked items you may be able to sell during spring cleaning and turn into extra money.

1. Small Appliances & Kitchen Gadgets

That air fryer you used twice. The blender collecting dust. The espresso machine you swore you’d use daily. High-quality kitchen appliances, even gently used – are always in demand.

What to look for in your home:

  • Name-brand appliances that aren’t used often.
  • Specialty gadgets like air fryers, mixers, or espresso machines that are rarely used.
  • Duplicate items you don’t need.

2. Wood Furniture

Before you haul that old dresser or end table to the curb, consider listing it online. Furniture, especially solid wood pieces – can sell quickly, even if it needs a little TLC. Many buyers are looking for affordable pieces they can refinish or repurpose later.

What sells well:

  • Nightstands and dressers
  • Coffee tables and desks
  • Chairs and shelving

3. Old Electronics & Phones

That drawer of old phones, chargers, and tablets? It’s worth checking. Even outdated electronics may sell for parts or refurbishing, and some older models can still hold value.

Look for:

  • Old smartphones
  • Gaming consoles
  • Headphones and speakers

4. Baby Gear & Children’s Items

If your kids have outgrown their gear, you’re in luck. Baby items are expensive, so many parents often look for gently used options.

High-demand items:

  • Strollers and high chairs
  • Cribs
  • Toys in good condition

5. Vintage Collectibles

Some of the most valuable items are the ones you’d least expect. From old toys and books to kitchenware, collectors are always searching for unique finds.

Check around for:

  • Vintage dishware
  • Old magazines and comics
  • Retro toys or baseball cards

6. Garage & Outdoor Equipment

Take a look in your garage or shed. Yard tools and outdoor gear are easy to sell locally, especially in spring when people are getting ready for warmer weather.

Examples:

  • Lawn mowers and trimmers
  • Bicycles and scooters
  • Gardening tools

7. Name Brand Clothing

While not everything will sell, certain pieces may be able to bring in some cash.

Focus on:

  • Designer or brand-name items.
  • New with tags or barely worn pieces.
  • Seasonal items (spring and summer clothing right now).

8. The “Random Drawer” Finds

Don’t skip your junk drawer. Some of the smallest items, like vintage or decorative pieces – can have niche demand online.

Examples:

  • Unique utensils.
  • Decorative hardware.
  • Older, well-made household items.

Where to Sell Your Items

Once you’ve identified what to sell, try:

  • Facebook Marketplace
  • eBay
  • Local buy/sell groups
  • Poshmark and Mercari (for clothing and shoes)
  • Garage sales

Turn Spring Cleaning into Opportunity

Spring cleaning isn’t just about getting organized, it’s a chance to reset your finances, too. By taking a little extra time to sort, list, and sell your unused items – you can boost your savings, pay down debt, or fund upcoming travel or seasonal expenses. Before you throw it away – ask yourself, could this be worth something to someone? Chances are, it is!

Ready to make the most of any extra cash? First Financial is here to help you turn even small wins into bigger financial goals – whether you’re saving, thinking of making a big purchase, or planning for what’s next. Want to see more content like this delivered to your inbox? Subscribe to our First Scoop Blog.

Estate Planning Steps to Protecting a Child with Disabilities

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If you’re a parent, you know raising a child is expensive. For a child with special needs, that cost can more than triple. If you’re the parent of a child with special needs, it’s vital to ensure your child will continue to be provided for after you’re gone. It can be difficult to contemplate, but with patience, love, and perseverance, a long-term strategy can be attainable.1,2

Envisioning a Life After You

Just as every child with special needs is unique, so too are the challenges families face when preparing for the long term. Think about the potential needs of your child. Will they require daily custodial care? Ongoing medical treatments? Will your child live alone or in a group home? Can family members assume some of the care? Answers to these and other questions can help form the vision of what may need to be done to plan for your child’s future care.

Preparing Your Estate

Without proper preparation, your child’s lifetime needs can quickly outstrip your funds. One resource is government benefits, such as Supplemental Security Income (SSI) and Medicaid, which your child may qualify for depending on their situation. Because such government programs have low-asset thresholds for qualification, you may also want to consider whether to make property transfers to your child with special needs.

You should also make sure you have an up-to-date will that reflects your wishes. Consider creating a special needs trust, the assets of which can be structured to fund your child’s care without disqualifying them from government assistance. Using a trust involves a complex set of tax rules and regulations. Before moving forward with a trust, consider working with a professional who is familiar with these rules and regulations.

Involve the Family

All affected family members should be involved in the decision-making process. If at all possible, it’s best to have a unified front of surviving family members to care for your child after you’ve passed on.

Identify a Caregiver

In order for a caregiver to make financial and healthcare decisions after your child reaches adulthood, the caregiver must be appointed as a guardian. This can take time, so it’s a good idea to start setting this in motion as soon as you are able.

To do this, you can write a Letter of Intent to the caregiver and family to express your wishes along with information about your child’s care. This isn’t a legal document, but it will help communicate your desires in writing. Store this letter in a safe place, alongside your will.

Outlining an approach for a child with special needs can be complicated, but you don’t have to do it alone. Working with loved ones and qualified professionals can help you navigate the various facets of financial preparations for a child with disabilities.

Need some help with preparing your future financial plan? Contact First Financial’s Investment & Retirement Center by calling 732.312.1534.  You can also email mary.laferriere@lpl.com or maureen.mcgreevy@lpl.com

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Financial Federal Credit Union (FFFCU) and First Financial Investment & Retirement Center are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using First Financial Investment & Retirement Center, and may also be employees of FFFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of FFFCU or First Financial Investment & Retirement Center.

Securities and insurance offered through LPL or its affiliates are:

  1. Investopedia.com, December 14, 2023
  2. AmericanAdvocacyGroup.com, 2024

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite.

From Tax Season to Travel Season: How to Plan for What’s Next

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Tax season can feel like a financial reset. Whether you received a refund, had to pay a balance, or simply organized your finances for filing – it’s the perfect time to shift your focus toward the months ahead. Plus after the winter we’ve had, you’re probably dreaming of your next warm weather adventure!

As spring and summer approach, many people like to begin planning vacations, family events, home projects, and outdoor activities. These seasonal plans can be exciting, but they can also bring additional expenses. With a little planning now, you can enjoy everything the upcoming season has to offer without unnecessary financial stress.

Here are a few smart ways to transition from tax season to travel season.

Start with a Seasonal Budget

Spring and summer often come with expenses that don’t appear during other times of the year. Travel, weddings, graduation parties, home maintenance, and kids’ activities can add up quickly.

Take a few minutes to map out what the next few months might look like financially. Consider:

  • Upcoming trips or weekend getaways
  • Events such as weddings, graduations, or family celebrations
  • Seasonal home projects or yard maintenance
  • Summer camps or activities for children
  • Increased spending on dining, entertainment, and gas

By estimating these costs now, you can spread your expenses out over several months rather than facing them all at once.

Put Your Tax Refund to Work

If you received a tax refund, it can be a helpful tool for getting ahead financially. Consider using your refund strategically, for example:

  • Build or strengthen your emergency savings
  • Pay down credit card balances or other high-interest debt
  • Set aside funds specifically for travel or summer plans
  • Contribute to longer-term savings goals

Dividing your refund between savings, debt reduction, and a small treat can help you balance financial responsibility while also enjoying the season.

Rebuild or Strengthen Your Savings

If the past few months included holiday spending, winter expenses, or tax payments – spring is a great time to rebuild your savings.

Setting aside even small amounts consistently can make a big difference. Consider creating a dedicated savings category for upcoming seasonal expenses such as travel or events. Automatic transfers can make this process even easier by helping you save steadily without thinking about it. Having savings set aside for planned activities helps prevent the need to rely on credit later.

Plan Ahead for Travel Costs

Travel is one of the biggest seasonal expenses for many households. Planning early can help reduce costs and avoid last-minute financial pressure.

Before booking a trip, consider:

  • Setting a clear travel budget
  • Comparing transportation and lodging options
  • Planning daily spending for meals and activities
  • Setting aside spending money in advance

Breaking travel costs into smaller savings goals over several months can make trips much more manageable financially.

Prioritize What Matters Most

With warmer weather and a busy social calendar, it’s easy for spending to increase without realizing it. Taking time to prioritize what matters most for the upcoming season can help keep your finances on track.

Ask yourself:

  • Which events or experiences are most important this season?
  • What expenses can be reduced or skipped?
  • Are there ways to enjoy the season without overspending?

By focusing on what brings the most value, you can make intentional choices about how you spend your money.

Move into the Season with Confidence

Tax season may mark the end of one financial chapter for the year, but it also offers an opportunity to reset and look ahead. With thoughtful planning and the right financial tools, you can transition into the spring and summer months with greater confidence.

By budgeting for seasonal expenses, rebuilding your savings, and planning ahead, you can stay in control of your finances while enjoying everything the next season has to offer. Explore our financial tools and resources to help you plan ahead and stay confident in your financial decisions.