Starting Monday, August 1st, some FRFCU Branches will be operating on a temporary modified schedule as follows. Thank you in advance for your cooperation!

Hillsborough:

• Monday – Friday – Lobby by Appointment Only, 9AM – 5PM
• Drive-Up Open Monday – Friday, 9AM – 5PM
• Saturday – Closed

Flemington:

• Open Monday & Wednesday – Friday, 9AM – 5PM
• Tuesday – Lobby by Appointment Only, 9AM – 5PM
• Open Saturday – 9AM – 1PM

Green Brook:

• Open Monday, Tuesday, Thursday & Friday, 9AM – 5PM
• Wednesday – Branch Closed
• Open Saturday – 9AM – 1PM

Jersey City:

• Open Monday – Wednesday & Friday, 9AM – 5PM
• Thursday & Saturday – Branch Closed
• No ITM Service on Saturdays

J&J World Headquarters:

• Open Monday – Thursday, 8:30AM – 4PM
• Friday – Closed

Our Member Service Center is available during business hours at (800) 933-3280, and our online and mobile banking services are available at all times.

*Not all will qualify. This sweepstakes is intended for FRFCU members only. Must be 18 or older to enter. Void where prohibited. Sweepstakes open from August 1, 2022 through September 15, 2022. Winners chosen at random. Winners will be notified by phone and email by October 15, 2022. If winners do not respond to phone or email notification within 7 days, another winner will be randomly selected. Every 5 individual card uses gain the Visa® Signature cardholder one (1) entry into the 10,000 Bonus Rewards Points Grand Prize Sweepstakes. Every 5 individual card uses gain the Visa® Platinum cardholder one (1) entry into the $100 Visa® Gift Card Grand Prize Sweepstakes. Five (5) grand prize winners will be chosen for each Grand Prize Sweepstakes. Alternative Method of Entry: Write your name, address, and contact information on a 3x5 notecard and mail it to FRFCU Marketing Department, 520 Rt. 22, Bridgewater NJ 08807 by 9/15/22. Entries received after 9/15/22 will not be considered valid. Membership eligibility required. Federally Insured by NCUA.

Join in on the fun! The Financial Resources FCU Foundation 2022 Charity Casino Night Event is coming up on Monday, September 12th from 5:30 - 10:00 PM at The Palace at Somerset Park! Proceeds from this great charity event will benefit local non-profit the New Jersey Center for Tourette Syndrome. Enjoy a fun night of games, cocktail hour, play money and great prizes while giving back to our community by purchasing your tickets or sponsorship online today!

Put your Home Equity to good use:

• Make value-adding home improvements
• Pay college tuition
• Consolidate high interest debt
• Finance life events or large purchases
• And more

Take advantage of Home Equity Line of Credit rates as low as 2.99% APR*!

Don't wait, apply today!

*APR = Annual Percentage Rate. Loans are subject to credit approval. Published rate is accurate as of 8/1/2022. Published 2.99% rate applies for the first 6 months of the Home Equity Line of Credit. Introductory offer is valid for qualified Home Equity Lines of Credit up to 80% LTV (Loan to Value); then the APR adjusts monthly to the current Prime Rate as listed in the Wall Street Journal Money Rates section, plus or minus a margin based on individual credit circumstances and services with the Credit Union, but never lower than 3.00% APR. As of 7/28/22, the current Prime Rate is 5.50%. Rates are based on evaluation of credit history, loan-to-value, and loan term, so your rate may differ. No application fees and no closing costs. Certain states impose a Mortgage Recording tax at the time the mortgage is recorded and can vary from state, county, and locality. An annual fee of $49 is charged on the anniversary date the Home Equity Credit Line is established. Rates are subject to change at any time. Not available in Texas, Hawaii, Alaska, and Puerto Rico. Membership eligibility required. Federally Insured by NCUA. Equal Housing Lender. NMLS #401965.

We're spreading joy in the community with Random Acts of Kindness! FRFCU is handing out $10 QuickChek Gift Cards with no strings attached.

We'll be surprising folks at various QuickChek locations on different days and times this month! Look for us in your neighborhood!

If you need an Auto Loan and to build your credit, our 12welve® Auto Loan Credit Building Program might be right for you! How it works:

• Receive a 1% rate reduction after 12 consecutive on-time monthly payments
• Receive an additional 1% rate reduction after 24 consecutive on-time monthly payments
• Receive a final additional 1% rate reduction after 36 consecutive on-time monthly payments

That's up to a 3%* rate reduction just for paying your loan on-time!

Don't wait -- start building your credit & saving on your Auto Loan

by applying today!

*Eligible borrowers will qualify for rate reductions after making 12 consecutive on-time monthly payments. Borrowers will be able to receive a maximum of 3 rate reductions after each 12-month period in which all monthly payments were made as scheduled. Loan amounts up to $25,000. Additional criteria may apply. 12welve is only available for new and used auto loans. 12welve cannot be combined with any other rate discount programs or incentives. Offer is subject to credit approval. Terms and conditions may change without notice. Membership eligibility required. Federally Insured by NCUA.

Many parents feel their kids will learn about money and investing when they get their first jobs or become independent young adults. But a better way to help your children understand earning, saving, and investing is to teach them such skills while they are young! Developing good earning and saving skills can help your child eventually become a financially responsible adult. Learn more and start your children on the path to financial success today!

Make your financial health a priority with help from our FREE Financial Webinars! Join us for the following free informative webinars we have coming up during August and September. These webinars will help you learn more about early financial education for kids and personal finance for college students.

• Raising a Money Smart Kid Webinar presented by Balance on Tuesday, August 9th from 1:30 - 2:30 PM & Thursday, August 18th from 8:30 - 9:30 PM

• Personal Finance for College Students Webinar hosted by Balance on Tuesday, Sept. 13th from 1:30 - 2:30 PM & Thursday, Sept. 22nd from 8:30 - 9:30 PM