We want to take this season to give thanks to our members! We are truly thankful that you continue to choose Financial Resources FCU as your trusted financial partner. We look forward to continuing to best serve you and help you reach your financial goals.

We're proud to live our mission of #PuttingPeopleFirst and being hands-on in our community! On October 10th, a team of 60 FRFCU staff members volunteered with Norwescap assisting with multiple projects across the community of Phillipsburg for a #DayofGiving. We want to thank our team members for volunteering their time and also thank Norwescap for all they do in our community! Check out this awesome video recap of our work, fun, and monetary donation to Norwescap.

Ready to buy a new home? We're here for you! Take advantage of our competitive Adjustable-Rate Mortgage (ARM) rates.

Don't wait -- save on your Mortgage with an ARM & start the journey to your dream home by applying today!

APR = Annual Percentage Rate. Zero Points. The introductory APR will be determined at the time of loan approval based on your FICO score and other determining factors. The APR is subject to change after consummation and may change semi-annually after the initial fixed period. After the introductory period, the APR is determined by adding a margin of 2.75% to the Secured Overnight Financing Rate (SOFR). $250,000 loan amount at 5.25% is $1,380.51 per month for the first 60 months. After 60 months, the principal balance (remaining mortgage amount) would be $230,001.04. The payment does not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater. Membership eligibility required. Loans are subject to credit approval. Not all will qualify. 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. Mortgages available for primary residences, second homes, and investment properties. Not available in Texas, Hawaii, Alaska, and Puerto Rico. Federally Insured by NCUA. Equal Housing Lender. NMLS #401965.

Shopping is a big part of life, especially during the holiday season. Whether you're shopping online or in-person, you want to save where you can to keep more money in your pocket. Avoid these 6 costly shopping errors make the most of your holiday shopping budget!

Whether you're dealing with a home emergency, planning a life event, starting a family, need to make home improvements, or have to pay for a medical procedure, FRFCU has a Life Event Loan to help!

Life Event Loans can be used for:

• Appliances & Furniture
• Family Event/Crisis
• Health & Beauty
• Home Improvements
• Home Emergencies
• Outdoor Living

Take advantage of competitive rates, no application fee or annual fees, no collateral necessary to qualify, and funds in your FRFCU account within 24 hours.

Apply for a Life Event Loan today!

Loans are subject to credit approval. Rates based on individual credit circumstances. Membership eligibility required. Federally Insured by NCUA. Equal Housing Lender.

Refer a friend or family member to open a new Checking Account with Financial Resources FCU and you'll both receive a FREE GIFT! Earning your free gift is easy:

• Refer friends or family to FRFCU online via our website or in-person at a branch location
• Have your friend or family member write in your full name on the online membership application in the "Referral" field, or have them mention your full name and email when they visit their closest FRFCU Branch to open a Checking Account
• Then you'll both receive your FREE GIFT!

Minimum opening balance of $25. Account fees may apply. See fee schedule for details. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. Gift available for in-branch pickup only. Ask us for details by emailing marketing@finresc.org. Credit Union rules and regulations apply. Membership eligibility required.

Work towards financial wellness with help from our upcoming FREE Financial Webinars! Join us for the following free informative webinars during November and December to learn how to use credit cards wisely and plan for big money milestones.

• Using Credit Cards Wisely Webinar hosted by Balance on Tuesday, Nov. 8th from 1:30 - 2:30 PM & Thursday, Nov. 17th from 8:30 - 9:30 PM

• Planning for Money Milestones Webinar hosted by Balance on Tuesday, Dec. 13th from 1:30 - 2:30 PM & Thursday, Dec. 22nd from 8:30 - 9:30 PM

Financial Resources FCU will be closed on Friday, November 11th for Veterans Day and on Thursday, November 24th for Thanksgiving. Please use our online and mobile banking services during these times.