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 are pleased to inform that your deposit accounts in 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.

There's less than two weeks left to get your tickets or sponsorship for our FRFCU Foundation fun-filled casino game night! Enjoy cocktail hour, dinner, play money, and great prizes to raise funds to benefit Middle Earth, a New Jersey non-profit. We appreciate your support and generosity for a great cause, and we hope to see you on September 18th!

Need new furniture or appliances? Want to consolidate high interest debt? Have an unexpected expense? Planning a wedding? A Personal Loan is for YOU! Enjoy a quick, simple, and easy application & approval process with FRFCU.

Personal Loan

Rates as Low as

10.69% APR*

*APR = Annual Percentage Rate. Rate effective as of 8/31/23. 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.

Throughout this summer, FRFCU collected and donated critical school supplies to United Way’s Tools for School Drive. These supplies help support children of families in need. To kick off the new school year, our President & CEO Frank Almeida along with staff volunteers sorted school supplies and packed backpacks. We are proud to assist local families to help give their children a great start to the new school year!

*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 August 1, 2023, through September 15, 2023. Winners chosen at random. Winners will be notified by phone and email by October 15, 2023. If winners do not respond to phone or email notification within 7 days, another winner will be randomly selected. 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. 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 9/15/23. Entries received after 9/15/23 will not be considered valid. Membership eligibility required. Federally Insured by NCUA.

When: Saturday, September 16, 2023 from 9:00 AM - 12:00 PM

Where: FRFCU Somerset Branch, 780 Easton Ave, Somerset, NJ 08873

Combat identity theft and get rid of clutter by attending our Free Community Shred Day! Bring up to 3 medium sized boxes of materials to shred safely and securely on-site by IntelliShred. Click here to learn more about the event and recommended items for shredding. We’re proud to provide this free opportunity to shred paper and documents to the entire local community!

We're here to help you during every stage of life! Register for and attend our FREE upcoming webinars during the next two months to learn about the psychology of spending and the differences between federal and private student loans.

• Psychology of Spending Webinar hosted by Balance on Tuesday, September 12th from 1:30 - 2:30 PM & Thursday, September 21st from 8:30 - 9:30 PM

• 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