Go From Outdated to Updated with a
Home Equity Line of Credit from FRFCU
Put your Home Equity to good use:

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

Home Equity Line of Credit rates as low as 2.99% APR*!

*APR = Annual Percentage Rate. Loans are subject to credit approval. Published rate is accurate as of 5/1/2022. Published 2.99% 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 4/1/22, the current Prime Rate is 3.50%. 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. Federally Insured by NCUA. Equal Opportunity and Equal Housing Lender. NMLS #401965.
We're Here to Help You GET PAST PLASTIC
& Help the Environment!
Stop by any FRFCU Branch from Monday, May 2nd through Saturday, May 7th and request your FREE FRFCU Canvas Tote Bag!*

Starting May 4, 2022, New Jersey retail stores, grocery stores, and food services businesses may not provide or sell single-use plastic carryout bags and polystyrene foam food service products. Single-use paper carryout bags are allowed to be provided or sold, except by grocery stores equal to or larger than 2500 square feet, which may only provide or sell reusable carryout bags. For more information on the New Jersey law, visit the website.

Together we can make a difference!
*While supplies last. Limit one (1) bag per member.
Take Control Over Your Finances with These Tips to Help You Start Eliminating Debt NOW
If you feel overwhelmed by your current financial situation, you're not alone! Balance has identified 8 strategies that can help you reduce your debt load and get your financial situation back on track. And don't forget that Financial Resources FCU is here for you with financial wellness services, HELOCs to consolidate debt, and 4.99% APR Balance Transfers!
Build Your Credit, Earn a Lower Rate &
Enjoy Your New Ride with Our 12welve® Program
If you need an Auto Loan and to build your credit, our 12welve® Auto Loan Credit Building Program might be right for you! How it works:

  • Receive a 1% rate reduction after 12 consecutive on-time monthly payments
  • Receive an additional 1% rate reduction after 24 consecutive on-time monthly payments
  • Receive a final additional 1% rate reduction after 36 consecutive on-time monthly payments

That's up to a 3%* rate reduction just for paying your loan on-time!

Don't wait -- start building your credit & saving on your Auto Loan
*Eligible borrowers will qualify for rate reductions after making 12 consecutive on-time monthly payments. Borrowers will be able to receive a maximum of 3 rate reductions after each 12-month period in which all monthly payments were made as scheduled. Loan amounts up to $25,000. Additional criteria may apply. 12welve is only available for new and used auto loans. 12welve cannot be combined with any other rate discount programs or incentives. Offer is subject to credit approval. Terms and conditions may change without notice. Membership eligibility required. Federally Insured by NCUA. Equal Opportunity and Equal Housing Lender.
FRFCU is Proud to Support the
Moms Helping Moms Foundation
The FRFCU Team loves living our purpose of #PuttingPeopleFirst! We collected diaper and baby supply donations from our staff in support of the Moms Helping Moms Foundation, a New Jersey baby supply and diaper bank. Additionally, a team of 10 FRFCU staff members volunteered their time at the Moms Helping Moms warehouse to help sort items and assist with any needs! Thank you to our employees who donated to the Diaper Drive and volunteered their time with this great organization!
Honoring Those Who Have Given So Much to Us with Our Hero & Champion Accounts
We're proud to offer Hero & Champion Accounts to provide extra account benefits to the ones who have given so much to us. Thank you for all that you do!
Hero Account: Our Hero Account offers extra account benefits to Active Duty Military and Veterans of the U.S. Armed Forces. Additionally, FRFCU will donate $50 to a local Veteran Service Organization for each new Hero Account relationship established!
Champion Account: Our Champion Account offers extra account benefits to teachers, police, fire, EMS and healthcare workers. Additionally, FRFCU has established the Champion Family Scholarship Fund exclusively for qualifying Champion Account members and will donate $10 to the fund for each new Champion Account relationship, Consumer Loan and Mortgage established!
Make Your Financial Wellness a Priority
with our FREE Financial Webinars!
Ready to make your financial wellness a priority? Join us for the following free informative webinars we have coming up during May and June! These webinars will help you understand the basics of retirement planning and learn about student loan repayment.
  • Retirement Planning: The Basics Webinar hosted by Balance on Tuesday, May 10th from 1:30 - 2:30 PM & Thursday, May 19th from 8:30 - 9:30 PM
  • Repaying Student Loans Webinar presented by Balance on Tuesday, June 14th from 1:30 - 2:30 PM & June 23rd from 8:30 - 9:30 PM
May 2022 Holiday Closing: Memorial Day
Financial Resources FCU will be closed on Monday, May 30th for Memorial Day. Normal business hours will resume on Tuesday, May 31st. We invite you to use our online banking & mobile banking services during this time.
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Federally Insured by NCUA. Financial Resources FCU is an Equal Opportunity and Equal Housing Lender. NMLS #401965.

Please Note: and are unmonitored mailboxes. To make secure inquiries, visit our website.