Helping Elizabeth One Dream at a Time!

Stay tuned for information about our official grand opening, events, giveaways, contests, and more.

*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, 2023, through September 15, 2023. Winners chosen at random. Winners will be notified by phone and email by October 15, 2023. 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 9/15/23. Entries received after 9/15/23 will not be considered valid. Membership eligibility required. Federally Insured by NCUA.

If you find a better rate for a Term Certificate at a local brick and mortar institution, we will match that competitor's rate offer*!

7 Month Certificate Special

Rates as high as 5.12% APY**

And if you find a better rate, we'll match it*!

*FRFCU will offer to match verifiable certificate rates to FRFCU members by any bank or credit union with a physical branch location within the communities in which we have branch locations – Hudson, Hunterdon, Middlesex, Somerset, and Union counties. Offer available for Term Certificates only. Internet Banks and other Internet Financial Institutions’ certificate rates do not qualify for this offer. FRFCU will match all “like” terms and rates including any associated balance requirements. Members must provide verification of the rate they have been offered from the other bank or credit union. In the event the member is unable to obtain a written rate sheet offer or copy of the advertisement with full terms and conditions, FRFCU must be able to verify the competitor’s rate for which the member qualifies and it must be a current offer. FRFCU Rate Match Program cannot be combined with any other promotional offer at FRFCU. Relationship Premium Rate Pricing not eligible on rate match offers. Bump-Up Certificates are not available for this offer. FRFCU reserves the right to discontinue or modify this offer at any time without notice. FRFCU reserves the right to approve or deny any guarantee claim at its sole discretion.

**APY=Annual Percentage Yield. APY effective as of 07/10/2023. Rates subject to change at any time. Opening minimum deposit of $500 required as minimum to earn the stated APY for the 7 Month Term Certificate. APY will not change throughout the life of the Certificate until maturity. A penalty will be imposed for early withdrawal. Relationship Premium rates required to obtain stated APY: Relationship Premium Rates for Certificates and IRA’s include a rate premium based on your account services with the credit union. Rates indicated include premiums of 0.10% for an active checking account (Active checking account requires either (A) existing checking account with minimum monthly Direct Deposit of $500.00, (B) FRFCU debit card with minimum 5 transactions in previous month, (C) Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. Member eligibility required. Federally Insured by NCUA.

Get your tickets or sponsorship for our FRFCU Foundation fun-filled casino game night featuring cocktail hour, dinner, play money, and great prizes to raise funds to benefit Middle Earth, a New Jersey non-profit. We appreciate your support and generosity for a great cause!

Our President & CEO, Frank Almeida, and members of the FRFCU team recently volunteered their time with Habitat for Humanity! Habitat for Humanity works by building strength, stability, and self-reliance in partnership with families in need of decent and affordable housing.

Don't miss out on our $1,500 Mortgage Lender Credit* offer! Any home buyer that applies for a Mortgage (Purchase or Refinance) before August 31, 2023 will earn a $1,500 Credit* at closing.

Take advantage of our competitive rates, personalized local service, and $1,500 Lender Credit* at closing by contacting us or applying for your Mortgage today!

*Members will receive a $1,500 credit toward their closing costs when they close on a Conventional, High-Balance or Jumbo mortgage loan offered with loan amount greater than $100,000. The closing cost range for a 200K loan is $2,500 – $3,500 and varies by state and associated fees. Offer valid for First Mortgage Loan Applications received on or after May 1, 2023. This offer is only available to members who apply and close their loan with FRFCU and cannot be retroactively applied to previously closed loans or loans that were already in process. Offer expires August 31, 2023, at 11:59 p.m. ET. All applications must be received no later than 11:59 PM August 31, 2023. FRFCU reserves the right to cancel this offer at any time and is nontransferable. Offer may not be redeemed for cash or equivalent. Acceptance of this offer constitutes acceptance of these terms and conditions, which are subject to change at the sole discretion of FRFCU. This is not a commitment to lend. Additional restrictions/conditions may apply. Not valid with any other discount or promotion. Loans are subject to credit approval. Rates are based on evaluation of credit history, loan-to-value ratio, and loan term, so your rate may differ. Rates are subject to change at any time. Not available in Texas, Hawaii, Alaska, and Puerto Rico. Federally Insured by NCUA. Equal Housing Lender. NMLS #401965.

We're here to help you work towards your financial goals! Register for and attend our FREE upcoming webinars during August and September to learn how you can guard your child's identity and about the psychology of spending.

• Safeguarding Kids' Identity Webinar hosted by Balance on Tuesday, August 8th from 1:30 - 2:30 PM & Thursday, August 17th from 8:30 - 9:30 PM

• Psychology of Spending Webinar hosted by Balance on Tuesday, September 12th from 1:30 - 2:30 PM & Thursday, September 21st from 8:30 - 9:30 PM