We had a great time for a great cause at our FRFCU Foundation 2023 Casino Night Event! The Foundation's casino themed game night raised funds to support Middle Earth, a New Jersey non-profit. We are proud to have raised $20,000 to support Middle Earth's mission of ensuring local youth receive the support they deserve to be successful in life. A huge thank you to everyone who attended, sponsored, or donated to our 2023 FRFCU Foundation charity night. We truly appreciate your support!

Did you know that your deposit accounts with FRFCU are now insured up to $500,000? This exceptional level of coverage is attained through a combination of federal insurance provided by the National Credit Union Administration (NCUA) and private insurance from Excess Share Insurance Corporation (ESI) at no cost to you.

This increased insurance provides you with extra safety and soundness, and reaffirms our dedication to your financial prosperity and peace of mind.

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. Equal Housing Lender.

Experiencing negative returns early in retirement can deplete your portfolio more quickly than expected and potentially undermine the sustainability of your assets. Is it time for a second opinion? Let us help you navigate your retirement portfolio and consider strategies to help manage these concerns. Schedule your no-obligation consultation with a CFS* Financial Advisor to get started.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

Need to consolidate high interest debt? Have an unexpected expense? Looking to buy new furniture or appliances? Planning a wedding? Our Personal Loan is right for YOU! Enjoy a quick, simple, and easy process with FRFCU.

Personal Loan

Rates as Low as

10.69% APR*

*APR = Annual Percentage Rate. Rate effective as of 10/1/23. 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. Term loan amounts between $500.00 and $5,000.00. Payment Example: $1,000 Personal Loan at 10.69% for 60 months equals a monthly payment of $21.59. Membership eligibility required. Federally Insured by NCUA.

Carrying debt can weigh heavy on your mind, reduce your freedom of choice, and cost money in interest. If you have more than one debt that you need to work towards paying off, do you know where to start or what repayment method to use? Learn how you can dig yourself out of debt with these helpful strategies. And if you're in need of programs or guidance, contact us to learn more and speak with a counselor.

BEST RATE GUARANTEED* at FRFCU!

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*.

*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.

We're here to help you work towards financial wellness and achieve your goals. Register for and attend our FREE upcoming webinars to learn about the differences between the two types of student loans and how you can breeze through the holidays with less financial stress.

• Federal vs. Private Student Loans Webinar hosted by Balance on Tuesday, October 10th from 1:30 - 2:30 PM & Thursday, October 19th from 8:30 - 9:30 PM

• 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