First Financial membership is open to anyone who lives, works, worships, or attends school in Monmouth or Ocean Counties. *$5 in a base savings account is your membership deposit and is required to remain in your base savings account at all times to be a member in good standing. All credit unions require a membership deposit. 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 Bronze Tier. Click here to view full Rewards First program details, and here to view the Tier Level Comparison Chart. Accounts for children age 13 and under are excluded from this program.

Terms and Conditions

Alice P. Stevens
Chief Operating Officer


Alice Stevens began her career in the credit union industry and never looked back, making her way from bank teller to COO. As she explains it, it was always about the members.

From early in her career, Alice always gravitated toward roles within credit unions that involved member services and lending. Within her roles, she always emerged as a leader, spearheading the development of new programs and initiatives within each organization.

For example, at a previous credit union, Alice was in charge of the creation, coordination, implementation, and supervision of a telephone service center and centralized lending center - handling lending and deposit functions for 13 multi-state branches. At another credit union, her development and implementation of a risk-based lending program, automated online lending system, in-house indirect lending program and customer contact center led to a 20 percent increase in lending and 10 percent increase in membership over a three-year period.

With First Financial, Alice’s professional accomplishments only grew. As COO, Alice is responsible for the management of the credit union’s various divisions including lending, quality control, branch services, business development, training and marketing. She is also a member of the asset liability management committee. In addition to her management responsibilities, Alice contributed to a long list of successes including the institution of a flourishing Indirect auto underwriting program recruiting over forty auto dealerships in Monmouth and Ocean Counties, the institution of a thriving in-house mortgage underwriting and servicing program, the implementation of an updated Visa Platinum Credit Card program and the addition of business lending and deposit services to First Financial’s member product suite. As a result of Alice’s attention to membership and operations, First Financial has not only grown exponentially but has continued to run smoothly and provide the highest quality service to its members.

Among her professional affiliations, Alice is a member of the Monmouth Ocean Development Council and the Southern Monmouth Chamber of Commerce. She is also a founding advisory board member of the Wall Business and Finance Academy and a panel member of the CUNA Mutual Lending Advisory Council.

Personally, she is a United Way funds allocation committee member, an adult literacy tutor, and a Chamber of Commerce governmental affairs committee member.

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