5.22% APY**

13 Month Certificate

Up to 5.54% APY** with Relationship Pricing

And if you find a better rate, we'll match it!

**APY = Annual Percentage Yield. Membership eligibility required. 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).

We’re thrilled that our brand-new digital member support has launched on our website. Now, you can ditch the hold music and connect with a real person in seconds. Need help? Just click the chat button from any website page and choose how you want to connect – it’s that easy!

We’re proud to offer these unique options for however you want to get in touch:

• Voice Calls: Use your device's audio and microphone to call us directly or request a call to your phone.
• Video Chat: Interact with us face-to-face by video calling or by just using your microphone.
• Live Chat: Get answers to general questions in a quick, on-screen text response.
• Co-Browsing: Enjoy on-screen guidance to help you complete a task.
• File Sharing: Send documents to us safely and securely.

Enjoy the convenience and satisfaction of a more personalized banking experience!

Our biggest night of the year will be here before you know it! Join us for the FRFCU Foundation's fun filled 2024 Casino Charity Night Monday, September 16th, from 5:30 – 9:30 PM at The Palace at Somerset Park. Proceeds will benefit Bernice’s Place, a local non-profit and subsidiary of the Elizabeth Coalition to House the Homeless. Don't miss out -- get your tickets or purchase your sponsorship today!

Another big congratulations to our 2024 Scholarship Winners: Ryan McHale, Allison Kusmiesz, and Chloe Markus! From left to right, the scholarship winners are pictured here with our President & CEO, Frank Almeida. We wish these students the best in their college careers!

Have you heard? We're moving our Administrative Offices and Bridgewater Branch to a brand new spot in Branchburg! This new building will feature a convenient drive-thru and other exciting features. Stay tuned for more details coming soon!

Get a $1,000 Lender Credit* at Closing

When you apply for & close on a Mortgage with FRFCU.

If you're buying or refinancing, we can help you keep an extra $1,000 in your pocket. Take advantage of this special offer for a limited time only!

*$1,000 Lender Credit applied at the closing of your loan. Offer is subject to change at any time. Valid on Purchase or Refinance of First Mortgage only and cannot be combined with any other offers. All loans are subject to approval in accordance with FRFCU’s lending policies and standard underwriting guidelines. Offer valid 5/23/24 through 7/31/24 and is subject to loan approval. This offer may be withdrawn or modified. Federally Insured by NCUA. Equal Opportunity and Equal Housing Lender. Company NMLS #401965.

It's time we all stand up to cancer. Now through August 17, 2024, when you make a purchase online or in-store using your eligible FRFCU Mastercard^® at qualifying restaurants or grocery stores, Mastercard® will donate one cent, up to $5,000,000, to Stand Up To Cancer^® to help fund groundbreaking research*.

*For every eligible online or contactless transaction made and reported at or from qualifying restaurants and grocery stores (as defined by the applicable Mastercard Merchant Category Code) with a U.S. issued Mastercard, Mastercard will donate one cent (US$0.01), up to US $5,000,000. Stand Up To Cancer is a 501(c)(3) charitable organization.Promotion begins at 12:00am ET on 06/17/2024 and ends at 11:59pm ET on 08/17/2024 or when US$5MM donation max is reached, whichever comes first. Qualifying purchases can only be made at U.S. restaurants and grocery stores as defined by the applicable Mastercard Merchant Category Code. Debit PIN, International transactions and transactions processed on a non-Mastercard operated network are ineligible. Mastercard relies on third parties to classify a transaction. In the event that a qualifying contactless transaction is not classified as a contactless transaction or under a qualifying Mastercard Merchant Category Code by a third party and reported to Mastercard, but would otherwise have been a qualifying transaction, transaction will not count as a qualifying transaction and will not result in a donation to SU2C. See full terms at priceless.com/SU2C. Mastercard, Priceless and the circles design are trademarks of Mastercard International Incorporated. ®2024 Mastercard. All rights reserved. PO Box 6999, Bridgewater, NJ 08807-0999.

Challenge your critical thinking skills with this brain teaser. Can you crack it? The answer awaits in the next month's eNewsletter, so stay tuned!

July Brain Teaser: Forrest left home running. He ran a ways and then turned left, ran the same distance, and turned left again, ran the same distance and turned left again. When he got home, there were two masked men. Who were they?

The answer to last month's brain teaser was: $14.

Our FREE webinars can help you make your financial wellness a priority. Register for one or more of our upcoming webinars to learn more about planning for life's significant milestones and recovering from identity theft.

• Planning for Money Milestones Webinar hosted by Balance on Tuesday, July 9th from 1:30 - 2:30 PM & Thursday, July 18th from 8:30 - 9:30 PM

• After Identity Theft Webinar hosted by Balance on Tuesday, August 13th from 1:30 - 2:30 PM & Thursday, August 22nd from 8:30 - 9:30 PM

Financial Resources FCU will be closed for Independence Day on Thursday, July 4th. Regular business hours will resume on Friday, July 5th. Our Virtual Assistant Phil, online banking, and mobile banking are available 24/7.