5.96% APY*

7 Month Certificate Special

Get the BEST RATE GUARANTEED** at FRFCU! If you find a better rate for any Term Certificate at a local brick and mortar institution, we will match that competitor's rate offer**.

And you can rest easy knowing your deposits are insured up to $500,000 at Financial Resources FCU.

*APY = Annual Percentage Yield. Quoted APY available for a 7 month term. Rate effective as of 12/4/23. Rates are subject to change at any time without notice. Relationship Premium Rates for Certificates include a rate premium based on your account services with the credit union. Rate indicated includes 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, (B) FRFCU Debit Card with minimum of 5 transactions in the previous month, or (C) Active Bill Pay account); 0.10% for an existing Consumer Loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for an FRFCU Mortgage or Wealth Management account. Minimum deposit of $500 required. APY will not change throughout the life of the Certificate until maturity. Then, the APY will transition into the current 7 month regular Term Certificate APY. A penalty will be imposed for early withdrawal.

**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.

Membership eligibility required. Federally Insured by NCUA. Accounts exceeding the maximum level of coverage provided by NCUA are also insured up to an additional $250,000 by ESI (Excess Share Insurance).

Meet Phil, our artificial intelligence (AI) powered digital assistant here to enhance and streamline your experience. Dial our Member Services number at 800-933-3280, and Phil will assist you! Although he’s a digital assistant, you can speak to him naturally, just like you would to anyone. If Phil can't help, you’ll be forwarded to a Member Service Center Representative during regular business hours.

Phil is your 24/7 go-to resource for various tasks, including checking account balances, opening accounts, product questions, locating the nearest branch or ATM, providing hours, guiding you through digital banking registration, submitting loan applications, and more!

For more information about Phil, please visit our FAQs page.

Use your FRFCU MasterCard® Debit Card and sign the receipt instead of entering your PIN or use your card online between now and January 15, 2024, to be automatically entered to win a $250 Gift Card!

You could be one of three lucky grand prize winners!

*Each purchase made without using a PIN, using the card as a Signature Debit Transaction** will gain the FRFCU MasterCard® Debit cardholder one (1) entry into the $250 MasterCard® Gift Card Grand Prize Sweepstakes. 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 November 21, 2023, through January 15, 2024. Three (3) grand prize winners will be chosen for the $250 Gift Card Grand Prize Sweepstakes. Winners chosen at random. Winners will be notified by phone and email by February 15, 2024. If winners do not respond to phone or email notification within 7 days, other winner(s) will be randomly selected. 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 1/15/24. Entries received after 1/15/24 will not be considered valid. Membership eligibility required. Federally Insured by NCUA.

**Signature Debit Transaction: Financial Resources Federal Credit Union members who complete non-pin, Signature Debit Transactions during the Entry Period will automatically be entered into the Ditch the Pin contest. Note: A Signature Debit Transaction is where a member uses a debit card to pay without entering a personal identification number (PIN) into a PIN pad. Instead, the transaction is completed by signing the sales receipt as if using a credit card to make the purchase. Purchases made online using your MasterCard® Debit Card number represent qualifying purchases and will be considered as entries into the Contest.

The holiday season is the best time of year to live our mission of #PuttingPeopleFirst! We collected an assortment of holiday gifts to donate to local children in foster care who receive services from local non-profit CASA SHaW. We're proud to help spread joy and brighten the holidays for children in need!

Your Personal Loan for the Holidays!

Rates as low as 10.69% APR*

Terms up to 60 months

Handle your holiday season expenses by applying today!

*APR = Annual Percentage Rate. Rate effective as of 12/1/23. Rates are subject to change at any time without notice. Loans are subject to credit approval. Rates are based on individual credit circumstances and may be higher than the quoted rate. The Annual Percentage Rate (APR) quoted is the lowest based on individual credit circumstances for each qualified applicant. Discounted rate example includes a discount 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 of 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); and 0.10% for an FRFCU Mortgage or Investment Account. If no qualifying relationship, add 0.30% to the stated rate. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. Personal Loan minimum of $500.00 and maximum of $20,000.00. Maximum repayment term of 60 months. No minimum repayment term. Payment Example: $1,000 Personal Loan at 10.99% for 60 months equals a monthly payment of $21.59. For more details, contact Financial Resources FCU at 800-933-3280 or at 520 Route 22 East, Bridgewater, NJ 08807. Membership eligibility required. Federally Insured by NCUA. 

Ready to expand your knowledge and reach your goals? Register for and attend our FREE upcoming webinars to learn how to safeguard your identity and set yourself up for financial success.

• Identity Theft Solutions Webinar hosted by Balance on Tuesday, December 5th from 1:30 - 2:30 PM & Thursday, December 14th from 8:30 - 9:30 PM

• 10 Steps to Financial Success Webinar hosted by Balance on Tuesday, January 9th from 1:30 - 2:30 PM & Thursday, January 18th from 8:30 - 9:30 PM

YOU could be a Grand Prize Winner!

Use your FRFCU Visa® Credit Card and every 5 card uses will earn you a chance to win either a $100 Gift Card or 10,000 Rewards Points.

5 Grand Prize Winners will be chosen for each prize.

Don't have a Visa® Credit Card from FRFCU yet? Apply online today!

*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.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 November 1, 2023, through January 15, 2024. Winners chosen at random. Winners will be notified by phone and email by February 15, 2024. If winners do not respond to phone or email notification within 7 days, another winner will be randomly selected. 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 1/15/24. Entries received after 1/15/24 will not be considered valid. Membership eligibility required. Federally Insured by NCUA.

Financial Resources FCU will be closed on Monday, December 25th, for Christmas and Monday, January 1st, for New Year's Day. Call Phil at 800-933-3280 or use our online and mobile banking services 24/7.