Yes, you heard that right!

Use your FRFCU Visa® Credit Card and every 5 card uses will earn you a chance to win either a $100 Gift Card or 10,000 Rewards Points.

5 Grand Prize Winners will be chosen for each prize.

Don't have a Visa® Credit Card from FRFCU yet? Apply online today!

*Every 5 individual card uses gain the Visa® Signature cardholder one (1) entry into the 10,000 Bonus Rewards Points Grand Prize Sweepstakes. Every 5 individual card uses gain the Visa® Platinum cardholder one (1) entry into the $100 Visa® Gift Card Grand Prize Sweepstakes.Not all will qualify. This sweepstakes is intended for FRFCU members only. Must be 18 or older to enter. Void where prohibited. Sweepstakes open from November 1, 2023, through January 15, 2024. Winners chosen at random. Winners will be notified by phone and email by February 15, 2024. If winners do not respond to phone or email notification within 7 days, another winner will be randomly selected. Five (5) grand prize winners will be chosen for each Grand Prize Sweepstakes. Alternative Method of Entry: Write your name, address, and contact information on a 3x5 notecard and mail it to FRFCU Marketing Department, 520 Rt. 22, Bridgewater NJ 08807 by 1/15/24. Entries received after 1/15/24 will not be considered valid. Membership eligibility required. Federally Insured by NCUA.

Financial Resources FCU and YWCA Union County proudly partnered to launch the Purple Ribbon Campaign, a powerful initiative to raise awareness for Domestic Violence Awareness Month in October. We adorned downtown Elizabeth, NJ, with purple ribbons, each accompanied by informative cards containing domestic violence statistics and the YWCA hotline number, all in an effort to educate and support the community. The partnership was solidified with a generous $5,000 donation from the FRFCU Foundation to support the YWCA's domestic violence victim support program.

Your Personal Loan for the Holidays!

Rates as low as 10.69% APR*

Terms up to 60 months

Handle your holiday season needs by applying today!

*APR = Annual Percentage Rate. Rate effective as of 11/1/23. Rates are subject to change at any time without notice. Loans are subject to credit approval. Rates are based on individual credit circumstances and may be higher than the quoted rate. The Annual Percentage Rate (APR) quoted is the lowest based on individual credit circumstances for each qualified applicant. Discounted rate example includes a discount of 0.10% for an active checking account (active checking account requires either (A) existing checking account with minimum monthly Direct Deposit of $500.00, (B) FRFCU Debit Card with minimum of 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); and 0.10% for an FRFCU Mortgage or Investment Account. If no qualifying relationship, add 0.30% to the stated rate. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. Personal Loan minimum of $500.00 and maximum of $20,000.00. Maximum repayment term of 60 months. No minimum repayment term. Payment Example: $1,000 Personal Loan at 10.99% for 60 months equals a monthly payment of $21.59. For more details, contact Financial Resources FCU at 800-933-3280 or at 520 Route 22 East, Bridgewater, NJ 08807. Membership eligibility required. Federally Insured by NCUA. 

BEST CERTIFICATE RATE GUARANTEED*! 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*.

And you can rest easy knowing your deposits are insured up to $500,000 at Financial Resources FCU.

*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. Federally Insured by NCUA. Accounts exceeding the maximum level of coverage provided by NCUA are also insured up to an additional $250,000 by ESI (Excess Share Insurance). Equal Housing Lender.

Holiday spending is often a spending plan-buster. There are numerous expenses, including presents, wrapping paper, cards, decorations, food, and travel, just to name a few. Yet very few people have an unlimited holiday budget. If you do not have the funds to buy everything you want this season, don't despair! A little bit of creativity and energy can get you through the holidays without draining your wallet.

We're here to help you work towards your financial goals. Register for and attend our FREE upcoming webinars to learn how you can breeze through the holidays with less financial stress and how to keep your identity safe.

• Breezing Through the Holidays Webinar hosted by Balance on Tuesday, November 7th from 1:30 - 2:30 PM & Thursday, November 16th from 8:30 - 9:30 PM

• Identity Theft Solutions Webinar hosted by Balance on Tuesday, December 5th from 1:30 - 2:30 PM & Thursday, December 14th from 8:30 - 9:30 PM

Financial Resources FCU will be closed on Saturday, November 11th, for Veterans Day and on Thursday, November 23rd, for Thanksgiving. Please use our online and mobile banking services during this time.