What to Know About Debt Consolidation

Did you spend a little too much this past holiday season, and as multiple credit card bills start to roll in – are you wondering how you’ll be able to pay them off before the next holiday season begins? If so, consolidating multiple sources of high interest debt into one simple monthly payment, just might be the right financial solution for you.

What is a debt consolidation loan?

Essentially, a debt consolidation loan is a type of personal loan – and is typically a fixed rate installment loan offered by most financial institutions, such as your local bank or credit union. This loan can help you manage and pay off multiple debts by combining the balances into a new loan that has one simple monthly payment. This type of loan may allow you to pay off your debt quicker and potentially even come with a lower interest rate than what you were previously paying. In addition, a debt consolidation loan can be used as a tool to help you budget better – since you’d be consolidating any other bills you were paying throughout the month into one combined loan payment.

How might my credit score be affected?

Depending upon the other sources of debt you have, a debt consolidation loan may actually help improve your credit score – since there would ideally only be one monthly loan payment to keep track of, you can focus on making on time payments to that loan, and it will reduce your credit utilization too.

Are there reasons I shouldn’t consider a debt consolidation loan?

If you don’t take an honest look at your spending and make yourself a promise to create and stick to a monthly budget – a debt consolidation loan probably won’t help you. In fact, if you consolidate the majority of your debt and then continue to use those previously paid off credit cards – you risk getting yourself deeper into debt. Should you find that you have been spending more than what you earn, you will need to consider making some lifestyle changes or creating additional income in order for true debt consolidation to work.

Are there other alternatives to applying for a debt consolidation loan?

  • Credit Card Balance Transfer: This typically involves transferring other credit card balances to a new card with a lower interest rate which lasts for a limited time. This alternative method may work for you if you have a set plan to pay off the transferred balance by the end of the term, and not use the card for any new purchases unless they are paid in full immediately. If you are still carrying a balance once the promotional offer ends, the interest rate on the card will likely increase – in turn, adding to your monthly payment amount on any remaining balance.
  • Home Equity Loan: This type of loan allows you to borrow against any equity you have in your home, using your home’s appraised value and what is still owed on your mortgage. If the loan isn’t paid back in full, you can risk foreclosing on your home. Some lenders also tack on closing costs to home equity loans, which likely won’t help you manage the debt you are trying to consolidate if these closing costs are several hundred or a few thousand dollars. If you are considering using the equity in your home to pay off debt, it is imperative that you do your research and can achieve paying back the amount borrowed (plus any closing costs) – in full and on time.

Any final advice before applying?

If you can commit to a strict debt repayment plan, taking a hard look at your budget, and not adding on any new debt during the consolidation loan payoff period – this loan type might be the right financial move for you, especially if it’s being used pay off any lingering debt from last year as a new year begins.

Does First Financial offer consolidation loans?

If you live, work, worship, volunteer, or attend school in Monmouth or Ocean Counties, you can apply for our consolidation loan in any of our local branches, by phone at 732.312.1500 Option 4, or online 24/7. We offer fixed monthly payments, flexible terms up to 60 months, and no pre-payment penalties if you’d like to pay your loan off before the end of your term.* Learn more and get started.

*APR = Annual Percentage Rate. Actual rate will vary based on creditworthiness and loan term. Subject to credit approval. Personal Loan repayment terms range from 12 to 60 months, and APRs range from 10.24% APR to 18% APR. Minimum loan amount is $500. Loan payment example: A $2,000 Personal Loan financed at 10.24% APR for 24 months, would have a monthly payment amount of $92.51. A First Financial Federal Credit Union membership is required to obtain a Personal Loan or Line of Credit, and is open 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/loan.

How to Save for the Holidays Year Round

Saving for the holidays year round can help reduce stress, avoid last minute debt, and give you more flexibility to enjoy the season. With the right plan and the right savings tools, you can make holiday saving simple and automatic. The beginning of a new year is the perfect time to start!

Why Saving for the Holidays All Year Long Makes Sense

Spreading holiday expenses out over the course of the year has real financial benefits:

  • Less stress during the holidays: You’ll already have funds set aside when the season arrives.
  • Avoid high-interest debt: Planning ahead can help reduce reliance on credit cards or loans.
  • More room in your monthly budget: Smaller, consistent deposits are easier to manage than one large expense at the last minute.
  • Greater flexibility: Having holiday funds ready allows you to enjoy experiences, traditions, and generosity without guilt.

Starting early puts you in control before holiday costs pile up.

How Our Holiday Club Account Helps You Stay on Track

First Financial’s Holiday Club Account is designed specifically to help you save consistently for holiday expenses throughout the year.* Instead of trying to remember to set money aside, this account makes saving structured and simple.

Here’s how it works and why it’s effective:

  • Open at any time: You don’t have to wait for a specific season to get started.
  • Automatic renewal: Your account will renew each year, so holiday saving becomes an ongoing habit.
  • Annual dividends: Dividends are posted annually on balances of $100 or more.
  • Dedicated purpose: Keeping holiday savings separate helps prevent spending these funds on everyday expenses.

By the end of October, your Holiday Club funds will be deposited directly into your First Financial account, ready for you to use.

Make Saving Easy with Automation

One of the biggest reasons people struggle to save is simply forgetting, or feeling like there’s never extra money left at the end of the month. Automation removes that barrier.

With a Holiday Club Account, deposits can be made in ways that fit your lifestyle:

  • Payroll deductions: Automatically direct a portion of your paycheck into your Holiday Club Account.
  • Direct deposit: Set up recurring transfers from your income.
  • In-person or mail deposits: Add funds whenever it’s convenient.

Even small, regular contributions can add up over time. For example, saving $20–$25 per week throughout the year can create a meaningful holiday fund by the time the season arrives.

The Power of Starting Early

Opening a Holiday Club Account early in the year gives your savings more time to grow and removes pressure later on. Instead of scrambling in the fall, you’ll already be prepared with less financial strain and more peace of mind.

Saving year round also allows you to adjust as life changes. You can increase or decrease contributions, plan ahead for travel, or prepare for larger holiday goals without feeling rushed.

Plan Ahead and Make the Season More Enjoyable

The holidays should be about connection, celebration, and enjoying time with loved ones – not worrying about finances. Saving year round helps you plan ahead, stay organized, and feel confident when the holiday season arrives. A little planning today, can make a big difference tomorrow.

Stop into your local branch, call 732-312-1500, or contact us to get started today!

*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. All personal memberships are part of the Rewards First program and a $5 per month non-participation fee is charged to the base savings account for memberships not meeting the minimum requirements of the program. Click here to view full Rewards First program details. Some restrictions apply, contact the credit union for more information.

Money-Saving Meals: Recipes to Try in the New Year

The beginning of a new year is the perfect time to reset your budget and find ways to cut costs – and one of the easiest places to start is right in your kitchen. The rising cost of groceries and expensive food delivery services can quietly drain your wallet. Swapping out takeout for low-cost pantry essentials can help you save more money without sacrificing any of the flavor. Check out these simple meals made of typically inexpensive ingredients – you can just taste the savings!

Mushroom Ramen Noodles

Ramen is already a staple among college students because it is a budget-friendly, convenient option. It’s a great base that can turn into a satisfying meal for you, too – with the help of a few inexpensive additions!

Yield: 1 serving

Ingredients: 1 pack instant ramen noodles (any flavor) | 1 lb. wild mushrooms, sliced | 2 Tbsp vegetable oil | 1 Tbsp butter

  1. Set aside the flavor packet provided with the ramen. Soak the packet of instant ramen noodles in warm water for 5 minutes. Drain the noodles and set aside.
  2. In a skillet, stir fry together the sliced wild mushrooms and the ramen flavor packet with vegetable oil for 3 minutes. Transfer to a plate.
  3. Add the butter and noodles to the skillet and toss for one minute. Add the mushrooms and combine.
  4. Optional: Add any other toppings you would like to the noodles. Common favorites are diced green onions or sriracha sauce.

Check out the full recipe here.

Spicy Penne Pasta

This is an affordable twist on a classic Italian dish, still packed full of flavor.

Yield: 6 servings

Ingredients: 1 lb. box of penne pasta | 1/4 cup olive oil | 3 cloves garlic, chopped | 28 oz. chopped tomatoes | 1/2 tsp red chili flakes | 1/2 tsp Italian seasoning | Salt and freshly ground black pepper, to taste | 6 leaves fresh basil, chopped (plus more for garnish if desired) | Grated Parmigiano-Reggiano cheese, optional (for garnish)

  1. Bring a large pot of water to a boil. Add salt to the boiling water, then add the pasta. Cook according to the package instructions, for about 9 minutes.
  2. In a large skillet over medium-high heat, add the olive oil and heat until the oil starts to shimmer. Add the garlic and cook, stirring until fragrant, 1 to 2 minutes.
  3. Add the chopped tomatoes, red chili flakes, Italian seasoning, and salt and pepper to taste. Bring to a boil and cook for 5 minutes. Remove from the heat and add the chopped basil.
  4. Drain the pasta and add it to the sauce. Garnish with Parmigiano-Reggiano cheese and more basil if desired. Serve warm.

Get the full recipe here.

Black Bean Burgers

Swapping ground beef for black beans is one of the easiest ways to keep a classic burger dish low in cost and high in protein.

Yield: 1 big or 2 small patties

Ingredients: 2 cups of black beans, drained and mashed | 1 cup seasoned breadcrumbs | 1/4 cup grated onions | 1/2 tsp chili powder | 1 egg | Salt and freshly ground black pepper, to taste | Canola oil, for oiling grill pan | 1-2 kaiser rolls | Desired toppings, optional

  1. Mix together the beans, breadcrumbs, onions, chili powder, egg, and some salt and pepper in a medium bowl. Form the mixture into 1 big (or 2 smaller) patties.
  2. Preheat a grill pan over medium-high heat and add the canola oil. Cook the burger for 4 minutes per side. Serve on a kaiser roll with desired toppings.

Learn how to make these black bean burgers here.

Bistro Egg Sandwiches

These sandwiches can be made at home for just a fraction of the price – and taste just as good as ordering one out.

Yield: 4 sandwiches

Ingredients: 6 Tbsp unsalted butter, at room temperature | 1-2 tsp Dijon mustard | 1-2 tsp anchovy paste | 1 baguette, cut into 4 pieces and each halved lengthwise | 4 large eggs | Salt and freshly ground black pepper, to taste | 1/4 lb. country pate or ham, cut into 4 slices | 2 oz. cheese of choice, sliced (gruyere and Comte are favorites) | 1 cup frisee or other greens | Sliced chives, for garnish

  1. Preheat broiler to high. In a small bowl, mix together 4 tablespoons of unsalted butter with Dijon mustard and anchovy paste until smooth.
  2. Spread the anchovy butter on the cut sides of the bread. Place the buttered side up on a baking sheet and broil until toasted, 1 to 2 minutes. Set aside.
  3. Melt the remaining 2 tablespoons of unsalted butter in a large skillet over medium-high heat. Crack in the eggs. Season with salt and pepper and let cook until the yolks just begin to firm up and the edges are slightly crisp, about 3 minutes.
  4. Assemble the sandwiches by placing 2 bread halves on each of 4 plates, topping with a slice of pate, an egg, cheese, greens and chives.

Get the full recipe here.

Chicken Teriyaki Dump Dinner

This one-pan chicken teriyaki dinner is both quick to make and clean up – and is bursting with flavor.

Yield: 4 to 6 servings

Ingredients: Non-stick cooking spray | 2 cups low-sodium chicken broth | 3/4 cup teriyaki sauce | 1/4 cup low-sodium soy sauce | 2 Tbsp sesame oil | 2 tsp grated ginger | 3 cloves garlic, grated | 2 tsp salt | 1 lb. boneless, skinless chicken breasts, diced | 1 red onion, sliced | 2 & 1/2 cups broccoli florets | 1 red bell pepper, sliced | 3 scallions, sliced

  1. Preheat the oven to 425 degrees F. Spray a 9-by-13-inch casserole dish with non-stick spray.
  2. Whisk together the chicken broth, teriyaki sauce, soy sauce, sesame oil, ginger, garlic and salt in a medium bowl until combined. Add the chicken and stir to coat.
  3. Spread the rice evenly in the bottom of the prepared dish. Pour in the teriyaki mixture, scattering the chicken evenly. Scatter the onion, broccoli and bell pepper evenly over the top.
  4. Cover with foil and bake until the vegetables have softened but are still vibrant, about 25 minutes. Remove the foil and bake until the juices have thickened and the chicken is cooked through, about 10 minutes more. Let sit for 5 minutes to allow the rice to absorb more of the moisture.
  5. Top with sliced scallions.

Check out the full recipe here.

By keeping your pantry stocked with staples and keeping these or similar money-saving recipes handy – your kitchen can turn into a new source of savings in the new year.

Subscribe to our First Scoop blog if you’d like to see more money-saving hacks like this delivered right to your inbox.

Things to Do on a Budget in Monmouth & Ocean Counties this January 2026

The new year calls for new adventures! Check out these free or inexpensive events in Monmouth & Ocean Counties that will help you kick off the new year with good times – not high price tags.

January 3

U-Pick Tulips: Winter Wonderland (Cream Ridge) – If you’re trying to soak up every second of the holiday spirit while you still can, Holland Ridge Farms’ Winter Wonderland is the place to be – coming to an end after January 4th. Although Santa has since made his return to the North Pole, you can still enjoy an array of twinkling lights and holiday displays, interactive family-fun activities, festive food, sweet treats, and handcrafted beverages. Admission is $20 per person all weekend long, with children ages 2 and under free of charge. Click here to learn more and purchase tickets.

January 10

Under the Winter Stars (Colts Neck) – Bundle up and search for the wonders of the universe at Dorbrook Recreational Area Soccer Field Parking Lot from 7:30pm-8:30pm. You will gaze into the night sky in search of constellations, planets, and satellites – and you might even see a shooting star streak across the sky if you’re lucky. Attendees are encouraged to bring a chair or blanket and a flashlight to light your way in the dark. There is no entry fee to attend. The event will be cancelled in the event of overcast skies or inclement weather. For more information, click on the Monmouth County Winter 2026 Parks & Programs Guide and search for “Under the Winter Stars.”

Winter Beach Walk (Manasquan) – Who says beach days are only for summer? Bundle up and take a walk along the beach at Fisherman’s Cove Conservation Area in search of the ocean’s treasures from 11am-12:30pm. A Park System Naturalist will take you on a guided walk, identifying some of those treasures and letting you stop to collect some along the way. Attendees are encouraged to dress warmly and bring something to carry shells in. There is no entry fee to attend. For more information, click on the Monmouth County Winter 2026 Parks & Programs Guide and search for “Winter Beach Walk.”

January 14

Princess Tea Party with Elsa (Toms River) – Your little ones will feel like they are right out of a Disney story at the Mathis House’s Princess Tea Party beginning at 6:30pm. You and your crew can enjoy an assortment of treats and teas while exploring the beautifully decorated mansion. Plus, Elsa will make a special appearance for a sing-along, story time, and pictures with the children. Tickets are $20 for adults and $10 for children. Click here to learn more and visit The Mathis House page on RESY to book your visit.

January 17

Nature Walk: Signs of Animals of Winter (Toms River) – Bundle up and search for signs of the animals that call Cattus Island home for the winter on Saturday or Sunday, beginning at 2:00pm. A Naturalist will teach you about the Cattus Island ecosystem and help you search for the clues animals leave behind. You will meet at the Cooper Environmental Center before beginning your winter walk. There is no entry fee to attend and registration is not required. For more information, search “Signs of Animals of Winter” in the Ocean County 2026 Winter Program Guide & Newsletter.

January 18

Sandy Snow Globes (Beachwood) – If the winter weather has you daydreaming of warmer days, head over to Jakes Branch County Park to make sandy snow globes from 10:30am-12pm. You will design a snow globe using only sand and seashells – so every time you peer inside, you can be transported to a summer day. Tickets are $10 per person and include all materials. This activity is intended for those ages 14 and up. A registration form and check must be mailed to the Ocean County Parks & Recreation Administrative Offices prior to attending the event. For more information, as well as registration form instructions, search “Sandy Snow Globes” in the Ocean County 2026 Winter Program Guide & Newsletter.

Solving STEM Problems with LEGOs (Barnegat) – Put your creativity and problem-solving skills to the test using LEGOs (and your brain) at Cloverdale Farm County Park from 10:30am-11:30am. You will create simple contraptions that solve practical STEM-related problems one LEGO piece at a time. There is no entry fee to attend, however; registration is required. A registration form must be mailed to the Ocean County Parks & Recreation Administrative Offices prior to attending the event. For more information, as well as registration form instructions, search “Solving STEM Problems with LEGOs” in the Ocean County 2026 Winter Program Guide & Newsletter.

January 24

Book Sip N’ Swap (Howell) – If you have any books on your bookshelf that are getting dusty, consider finding them a new home at the Howell Library Book Sip N’ Swap from 2:00pm-3:30pm. You and other fellow booklovers will have the chance to bring five new or gently used books you no longer want, to trade for new ones. Plus, you can enjoy a cup of tea or hot chocolate while you search for your next read – or five. There is no entry fee to attend. Registration is not required. Learn more here.

January 25

Country Line Dancing & Cornhole (Toms River) – Bring the family down to Fun Bags Cornhole Lounge for a night of cornhole and line dancing from 6pm-9pm. If you’re new to line dancing, there will be beginner lessons from 6:00pm-6:30pm that are sure to get you moving on the dance floor. The event is BYOB for anyone ages 21 or older. Tickets are $12 per person in advance of the event and $13 per person at the door. Click here to learn more and purchase your tickets.

On behalf of the team at First Financial, we wish you and your loved ones continued success and joy as we enter the new year.

How to Make Financial Goals Part of Your Daily Routine

New Year’s resolutions can be easy to make, but hard to keep – especially without a plan in place. If your resolutions include financial goals, integrating simple habits into your daily routine to achieve them might be easier than you think. Here are steps you can take to make financial goals part of your daily routine, and why those steps matter.

Why Daily Habits Matter for Financial Success

Adding a new routine activity, no matter how big or small – into your already busy day might seem daunting. However, completing simple, achievable daily steps is one of the key actions you can take to reach your goals. This consistency will build discipline and confidence, and you will eventually consider these habits a “non-negotiable” part of your day. Furthermore, breaking a large goal into “bite-size” pieces can make that goal feel more attainable – as well as provide frequent checkpoints for tracking your progress.

Step 1: Clearly Define Your Goals and the Motivation Behind Them

An achievable goal is one that is clearly defined. A common framework for goalsetting is called SMART goals – which can help you create specific, measurable, achievable, relevant, and time-bound goals. Many goals fail because they are ambiguous, making it difficult to monitor progress and leaving you uncertain in how to achieve them. Additionally, goals can fail if they are clearly out of reach or you don’t have the means to achieve them given your current lifestyle. For example, if your goal is to save $1,000 a month but you only have $500 left after paying your monthly expenses – you might become discouraged from saving at all. SMART goals take uncertainty away to help ensure you cross the finish line.

If your goal is to pay off debt, you are more likely to have a successful outcome if it is structured as follows: “I will pay off $5,000 of credit card debt by December 31, 2026 by making a $208 payment plus interest every payday from the first payday of the year.” This goal is specific by mentioning the amount and type of debt, measurable every payday, and time-bound by setting a target payoff date. Click here to learn more about using SMART goals to achieve positive outcomes.

Another important part of setting goals is considering your why. Do you want to become debt free so you can purchase a home? Do you want to curb your impulse purchases to put more money toward your emergency fund? Your why will help you focus on the bigger picture.

Step 2: Personalize Your Routine with Daily, Weekly, and Monthly Habits

Personalizing your routine by creating daily, weekly, and monthly habits will make you more likely to reach your goals. Taking small actions in different frequencies will help make your goals feel attainable and easier for your current routine to accommodate new habits.

Let’s return to the financial goal of paying off $5,000 of credit card debt. A daily habit can be setting aside 5 minutes every morning to review your spending to ensure you’re on track to make your credit card payment. A weekly habit can be reviewing your budget to see if you have any upcoming expenses to plan for that could impact your debt repayment plan. A monthly habit can be reviewing your progress toward paying off the credit card – which gives you a chance to celebrate the progress you’ve made and stay motivated.

Step 3: Use Tools That Work for You

There are many tools out there claiming they will help you track your goals and create better money habits. While that may be true, the best tools to help you reach your goals are the ones you will actually use. If the thought of tracking your spending with a spreadsheet doesn’t excite you, deciding to use one might do more harm than good. Your success won’t necessarily come from a fancy budgeting app – it will come from the tools you use that make it easy to show up and work toward your goals every day.

Step 4: Automate When Possible

Automating your habits can help you make progress toward your goals even on the busy days. Back to the credit card example – setting up an automatic, recurring payment to your credit card can help make sure you never miss a payment.

Step 5: Hold Yourself Accountable, but Realize Progress isn’t Always Linear

Accountability is another important component of integrating financial goals into your routine. By checking in with yourself or a trusted individual, you can identify potential shortcomings early, come up with a plan to get back on track, and avoid shying away from uncomfortable conversations. Progress isn’t always linear – you might make great strides one week but fall short the next, and that’s okay! Be sure to celebrate your successes, and don’t be too hard on yourself if you don’t quite meet the mark one week.

If you live, work, worship, volunteer, or attend school in Monmouth or Ocean Counties and one of your financial goals in the new year is joining a credit union – get started in one of our local branches today, or give us a call at 732.312.1500.

The First Financial team wishes you continued success in the new year!

How to Rebuild Your Savings After the Holiday Season

The holiday season is full of joy, connection, and extra spending. Between gifts, travel, hosting, and last-minute celebrations – it’s common to enter the new year feeling a little lighter in the savings department. If that sounds familiar, you’re not alone.

The good news? Rebuilding your savings after the holidays doesn’t require drastic changes or financial stress. With a few intentional steps and realistic goals, you can regain momentum and set yourself up for a stronger, more confident financial year ahead.

Here’s how to get started.

1. Start With a Clear Financial Check-in

Before you can rebuild, it’s important to understand where you stand. Take a moment to review your bank accounts, recent statements, and outstanding balances. This isn’t about judging past spending, it’s about creating clarity.

Ask yourself:

  • How much do I currently have in savings?
  • Did I dip into savings during the holidays?
  • Are there credit card balances I need to prioritize?

A clear picture helps you make informed decisions and sets a realistic foundation for next steps.

2. Reset Your Savings Goals for the New Year

If your savings took a hit, your previous goals may need adjusting and that’s okay. Instead of aiming for a large number right away, focus on rebuilding consistency.

Consider breaking savings into smaller, achievable goals, such as:

  • Rebuilding an emergency fund to at least one month of expenses.
  • Saving $500–$1,000 as a short-term cushion.
  • Setting aside money for upcoming expenses like spring travel or home projects.

Smaller wins add up quickly and help rebuild confidence along the way.

3. Make Saving Automatic

One of the most effective ways to rebuild savings is to remove the guesswork. Setting up automatic transfers from your checking account to your savings account ensures that saving happens consistently, even when life gets busy.

Start with an amount that feels manageable. Even $25 or $50 per paycheck can make a meaningful difference over time. Once it becomes routine, you can always increase the amount as your budget allows.

4. Adjust Your Budget Without Cutting All the Fun

Post-holiday budgeting doesn’t have to mean eliminating everything you enjoy. Instead, look for small adjustments that free up cash without feeling restrictive.

Try:

  • Reducing takeout or dining out (even by one meal per week, if you typically do this almost daily).
  • Pausing unused subscriptions.
  • Planning groceries and meals ahead of time.
  • Setting a short “reset period” for discretionary spending.

The goal isn’t perfection, it’s progress.

5. Rebuild Before You Spend Unexpected Money

Tax refunds, bonuses, or cash gifts can feel like an invitation to splurge. While it’s fine to enjoy a portion of any extra money, consider prioritizing savings first.

A simple approach:

  • Save a percentage (such as 50%).
  • Use the rest for debt reduction or planned spending.

This helps accelerate your recovery while still allowing room to enjoy the reward.

6. Keep Your Savings Accessible, but Separate

Keeping your savings in a dedicated account can reduce the temptation to dip into it for everyday expenses. Many people find it helpful to separate emergency savings from short-term or “fun” savings goals.

First Financial savings accounts offer easy access for our members, and peace of mind that your money is waiting there for you without unnecessary risk.*

7. Check-in Regularly (and Celebrate Progress)

Rebuilding savings is a journey, not a one-time fix. Schedule monthly check-ins to review progress, adjust goals, and recognize what’s working (or what’s not). Even small milestones like your first $100 saved again, or a full month of consistent deposits – are worth celebrating.

Start Fresh with Confidence

The holidays may have passed, but the opportunity for a fresh financial start is right in front of you. With intentional planning, consistent habits, and support from a trusted financial partner, rebuilding your savings is absolutely within reach. At First Financial, we’re here to help you every step of the way, because your financial well-being matters all year long.

Ready to take the next step? Our team is always available to help you explore savings options, budgeting tools, and strategies designed with your financial goals in mind. Contact us today or visit your local branch.

*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. All personal memberships are part of the Rewards First program and a $5 per month non-participation fee is charged to the base savings account for memberships not meeting the minimum requirements of the program. View full Rewards First program details at firstffcu.com. Some restrictions apply, contact the Credit Union for more information.