Get PAID for getting a New, Used or Refinanced Auto Loan with us!

Receive $150^* and take advantage of competitive Auto Loan rates when you get an Auto Loan from FRFCU.

Take advantage of this special offer by applying today!

*$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 3/1/2023. Certain restrictions and minimum loan amounts may apply. Rates are subject to change without notice. Subject to credit approval. Member eligibility required. Federally Insured by NCUA.

The FRFCU Foundation is currently accepting 2023 Scholarship Applications! The 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 Monday, April 10, 2023, for consideration. Good luck to all students who apply!

Consolidate high interest debt, handle home improvements, pay college tuition, or finance life events with help from a Home Equity Loan or Home Equity Line of Credit! Take advantage of competitive rates and put your home's equity to work by applying today.

Happy National Credit Education Month! Celebrate with us by taking the time to learn about how to interpret your credit report, steps you can take to improve your credit, and the credit and financial counseling services we offer through our partner Balance to get started on the right track! We're here to be your trusted financial partner and help you work towards financial wellness. If you're ready to get started, these articles can help:

• Understanding Credit Score Ratings & Ranges
• Everything You Need to Know About Your Credit Score
• The Basics of Credit

Our 14 Month Term Certificate rates start at 4.39% APY* and can go as high as 4.70% APY* with a Relationship Premium Rate.

Don't wait, start earning on your savings by opening your 14 Month Term Certificate today!

14 Month IRA Term Certificates are available, too! Call or stop by your local branch to get started today.

*APY=Annual Percentage Yield. Rates are subject to change at any time without notice.

FRFCU recently volunteered at Franklin Food Bank and helped sort and organize food for the Client Choice Market where clients can shop without monetary payment for items they need to feed their families. Our volunteers also helped sort and organize food for their community distribution drive-through program and their Beyond Borders program that helps support other food banks. In Somerset County alone, almost 19,000 households are experiencing food insecurity. We are committed to continuing our mission to remain responsible to the communities where we live and work!

Wondering about 2022 tax forms? Only certain members will have received tax forms needed for filing 2022 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 1/31/23. 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 2022 will receive a Form 1099. Those who have earned less than $10 in interest during 2022 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.

Will you be the lucky webinar attendee to win $1,000? Register for and attend any of the upcoming webinars during March and April 2023 and you'll be entered for your chance to win!

• Understanding Credit Webinar hosted by Balance on Tuesday, Mar 14th from 1:30 - 2:30 PM & Thursday, Mar 23rd from 8:30 - 9:30 PM

• Raising a Money Smart Kid Webinar hosted by Balance on Tuesday, April 11th from 1:30 - 2:30 PM & Thursday, April 20th from 8:30 - 9:30 PM