FINANCIAL FORUM | MARCH 2022
Receive $1501 When You Apply for an
Auto Loan with FRFCU!
Get PAID for getting a New, Used or Refinanced Auto Loan!

Receive $1501 and take advantage of Auto Loan rates as low as 2.32% APR* when you get an Auto Loan from FRFCU.

Take advantage of this special offer by applying today!
*APR = Annual Percentage Rate. Rate effective as of 3/1/2022. Advertised rate is the lowest available rate based on individual credit circumstances for each qualified applicant and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes a discount of .10% for an active checking account (active checking account requires either 1- existing checking account with minimum monthly Direct Deposit of $500.00, 2- FRFCU debit card with minimum 5 transactions in previous month, 3- 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. If no qualifying relationship, add .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%. Certain restrictions and minimum loan amounts may apply. Monthly Payment per $1,000 borrowed at 2.32% for 36-months equals $28.78. Rates are subject to change without notice. 1$150.00 will be deposited into your FRFCU Regular Savings Account within 30 days of loan closing. $150 offer is only available for loan amounts of $10,000.00 or more, and for automobiles not already financed with FRFCU. Promotion effective starting 3/1/2022. Subject to credit approval. Member eligibility required. Federally Insured by NCUA. Equal Opportunity and Equal Housing Lender. 
Celebrate National Credit Education Month With Us
March is National Credit Education Month and we want to celebrate! Take this time to learn about how to interpret your credit report, credit score ranges, steps you can take to improve your credit, or learn more about credit and financial counseling services to get started on the right track! We're here to be your trusted financial partner and help you work towards financial wellness.
Calling All 2022 Scholarship Applicants!
We are currently accepting 2022 Scholarship Applications! The Financial Resources FCU Foundation will be awarding up to three (3) $1,000 Scholarships to qualified applicants. Learn more about eligibility, download the application and submit your completed application with supporting documentation to FRFCU by Friday, April 8, 2022 for consideration. Best of luck to all students who apply!
Love Banking with FRFCU? Refer a Friend & You'll Both Receive a Free Gift!
Did you know that if you refer a friend, family member or coworker to join FRFCU and open a new Checking Account with us, you'll both receive a FREE Gift?! Don't wait, refer friends to join the FRFCU family today! They can quickly and easily apply for membership or open a new Checking Account online.
Manage Your Cards Anywhere, Anytime with CardValet
We're here to provide helpful digital tools to manage your finances! That's why we're proud to offer CardValet to our members. CardValet's Card Control provides you the ability to manage, restrict and un-restrict your Debit and Credit Cards anywhere, anytime. Take control of your cards with CardValet!

Members can use CardValet to:

  • Turn cards on and off
  • Set location-based controls to limit card usage
  • Restrict card usage based on select merchant type
  • Establish card transaction limits
  • Set thresholds for transaction amounts
  • Schedule alerts for specific transaction types
  • Add and remove travel notifications in real time

Get started managing your cards with simplicity by downloading the CardValet app for Apple or Android today!
Go From Outdated to Updated with Help from a
Home Equity Line of Credit
Tap into your Home Equity with a Home Equity Line of Credit from FRFCU to:

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

Take advantage of HELOC rates as low as 2.25% APR*!

Let us help you put your Home Equity to work -- learn more & apply today.
*APR = Annual Percentage Rate. Loans are subject to credit approval. Published rate is accurate as of 1/1/2022. Published 2.25% 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 2/1/2022, the current Prime Rate is 3.25%. 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. NMLS #401965. 
2021 Tax Form Updates for Members
Wondering about 2021 tax forms? Only certain members will have received tax forms needed for filing 2021 taxes.

Tax forms are only provided for:
  • Members that have a Home Equity Loan or Line of Credit and that paid over $600 in interest. If this is you, you will have received a Form 1098 that was mailed to you by 1/31/22. Those who have not paid over $600 in interest in their Home Equity Loan or Line of Credit will not receive a Form 1098.
  • Members that have made more than $10 interest during 2021 will receive a Form 1099. Those who have earned less than $10 in interest during 2021 will not receive a Form 1099.

If you fall into one of these categories and have not received your tax form, please call us at 800-933-3280.
Expand Your Knowledge with our
FREE Financial Webinars
Ready to work towards financial wellness? Join us for the following free informative webinars we have coming up during March and April. These webinars will help you solve the mystery of credit reports, learn the basics of saving and investing, and understand Social Security!
  • Solving the Mystery of Credit Reports Webinar presented by Balance on Thursday, March 17th from 8:30 - 9:30 PM
  • Understanding Social Security Webinar hosted by CFS* Financial Advisor Frank Deluca, CAS®, CIS™, CFS®, on Tuesday, April 5th at 5:30 PM
  • The Basics of Saving & Investing Webinar hosted by Balance on Tuesday, April 12th from 1:30 - 2:30 PM & Thursday, April 21st from 8:30 - 9:30 PM
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Financial Resources Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
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Federally Insured by NCUA. Financial Resources FCU is an Equal Opportunity and Equal Housing Lender. NMLS #401965.

Please Note: MemberOffers@MyFinancialResources.org and dontreply@finresc.org are unmonitored mailboxes. To make secure inquiries, visit our website.