The FRFCU Foundation hosted a fun-filled Casino Charity Night Fundraiser to benefit the NJ Center for Tourette Syndrome. We are proud to have raised and donated $20,000 to support NJCTS' efforts in providing research and opportunities for those impacted by Tourette Syndrome. Thank you to everyone who came out and supported our annual FRFCU Foundation Event!

We don't have to strong arm people into taking 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!

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). *275,000 loan amount at 5.25% for a period of 30 years will be $1,518.56/month payment. 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.

During September, a great group of FRFCU staff members volunteered their time at America's Grow a Row in Pittstown, NJ to help plant and pick fresh produce to benefit those in need! We're proud to live our mission of #PuttingPeopleFirst and to volunteer in our community.

Whether you're planning a wedding, starting in-vitro, getting LASIK, need to make home improvements, navigating an emergency, or need to cover the costs of 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.

Don't wait, apply for the Life Event Loan that meets your needs today!

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

October is National Financial Planning Month, which means it's a great time to make your financial goals a priority! The first step in achieving your financial goals is, not surprisingly, determining what your goals are. Once you figure out what your goals are, you can then calculate how much you will need altogether and what you should set aside each month. How you do this depends on whether it is a short-, mid-, or long-term goal. Follow this guide to start working torwards your financial dreams!

Ready to stop paying crazy high rates on your credit card? Want to help reduce your credit card debt? Apply for our Inflation Fighter Visa® Credit Card!

Enjoy a competitive rate on your Balance Transfer for the life of the Balance Transfer with no Balance Transfer fee.

Yes, you heard that correctly, pay less interest and keep more money in your pocket by applying today!

*APR = Annual Percentage Rate. Cash advance fees of 2.00% of each advance, $10.00 minimum. Foreign transaction fees of 1.00% of each foreign currency transaction in U.S. Dollars. Foreign transaction fees of 1.00% of each U.S. Dollar transaction that occurs in a foreign country. VISA® Signature Credit Card: 0.00% introductory Annual Percentage Rate (APR) for the first six months. After that, your APR will be between 12.99% and 18.00%. This APR will vary with the market based on prime rate. Your interest rate will vary based on your credit history. Subject to credit approval. VISA® Platinum Credit Card: 0.00% introductory APR for the first six months. After that, your APR will be between 10.99% and 18.00%. This APR will vary with the market based on prime rate. Your interest rate will vary based on your credit history. Subject to credit approval. Member eligibility required. Federally insured by NCUA.

Work towards your financial goals with help from our FREE Financial Webinars! Join us for the following free informative webinars we have coming up during October and November to prepare for the holiday shopping season.

• Breezing Through the Holidays Webinar presented by Balance on Tuesday, October 11th from 1:30 - 2:30 PM & Thursday, October 20th from 8:30 - 9:30 PM

• 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

We're proud to offer Hero & Champion Accounts to provide extra account benefits to the ones who give so much to us and our communities. 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!

Financial Resources FCU will be closed on Monday, October 10th for the holiday. Normal business hours will resume on Tuesday, October 11th. Please use our online and mobile banking services during this time.