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

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*!

14 Month Certificate Special

Rates as high as 4.91% 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 05/19/2023. Rates subject to change at any time. Opening minimum deposit of $500 required as minimum to earn the stated APY for the 14 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 acct 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.

You're officially invited to 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!

There's still time to take advantage of our $1,500 Mortgage Lender Credit* offer! Any home buyer that applies for a Mortgage (Purchase or Refinance) before July 31, 2023 will earn a $1,500 Credit* at closing.

Enjoy our competitive Mortgage 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 July 31, 2023, at 11:59 p.m. ET. All applications must be received no later than 11:59 PM July 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.

FRFCU volunteers recently went to Moms Helping Moms to help with sorting, restocking, and packaging supplies as well as discarding expired food items and constructing a donation storage shed! Moms Helping Moms is a non-profit that provides underserved families in New Jersey with equitable access to the essentials they need to provide their children with a safe and healthy life. We're proud to live our purpose of #PuttingPeopleFirst!

FRFCU prioritizes safety and security for all our members and accounts. Therefore, all mobile deposits are required to have proper endorsement or they will be rejected.

Please adhere to these requirements for mobile deposits:

1. Sign the back of your check.
2. Write "For Mobile Deposit at FRFCU" below your signature, or if available, check the box that reads "Check here if for mobile deposit" and write "FRFCU" next to it.

Please ensure you properly endorse your checks to avoid returns and delays in processing. Thank you for your cooperation!

Ready to expand your financial knowledge? Register for and attend one or more of our FREE upcoming webinars during July and August! Learn about smart car buying decisions and how you can safeguard your child's identity.

• Car Buying Decisions Webinar hosted by Balance on Tuesday, July 11th from 1:30 - 2:30 PM & Thursday, July 20th from 8:30 - 9:30 PM

• 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