Earn 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 is 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 This offer may be withdrawn or modified.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.

(Pictured Here: President & CEO Frank Almeida with 2024 Scholarship Winner, Ryan McHale)

Helping to fund local students' higher education with our Scholarship Program is one of the many ways we put people first. Congratulations to our 2024 Scholarship Winners: Ryan McHale, Lena Matthews Annual Scholarship; Allison Kusmiesz, General Scholarship; and Chloe Markus, General Scholarship. Ryan will attend Villanova, Allison will attend The College of New Jersey, and Chloe will attend Carnegie Mellon in the fall. We wish all 2024 graduates the best of luck in their college endeavors!

Get the BEST RATE on a Certificate, GUARANTEED* at FRFCU! If you find a better rate at a local institution, we will match the competitor's rate*.

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

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 couldn't ask for more dedicated staff members to volunteer their time in the community and make a difference in people's lives! FRFCU team members proudly participated in a large volunteer event to help deliver and give out food to those in need at St. Joseph Social Service Center in Elizabeth.

Phil is our newest "employee," an AI virtual assistant who is here to assist you with your banking needs 24/7! Whether you have a question, need to check your balance, or want to transfer money, Phil can help at any time.

Virtual Assistant Phil can help you with:

• Checking your deposit status
• Checking balances
• Getting account information
• Resetting your password
• Reviewing your transactions
• Registering for Online Banking
• Opening an Account
• And So Much More

Rest assured, Phil is designed to protect your information. Depending on your request and to ensure the best service, he may ask for additional details such as your member number, Social Security number, or authentication questions.

Learn more or call Phil directly at (800) 933-3280 whenever you need!

FRFCU joined The Somerset Patriots, the New York Yankees Double-A affiliate, as the Ball Day Sponsor at their annual Veterans of America Day on Sunday, May 19th. FRFCU employees helped distribute baseballs to the crowd, and Brett Rothrock, our VP of Residential Lending, threw out the 1st pitch of an exciting game! FRFCU salutes all Veterans and Active Duty Service Members. Thank you for your service.

You've worked hard; now it's time to preserve and grow your assets! Sit down with an Osaic Institutions Financial Advisor to discuss how you can grow and manage your wealth. Schedule your complimentary consultation with one of our dedicated Osaic* Institutions Financial Advisors today!

*We do not provide tax advice. Consult your tax advisor. Investment and insurance products and services are offered through Osaic Institutions, Inc., Member FINRA/SIPC. Osaic Institutions and the bank/credit union are not affiliated. Products and services made available through Osaic Institutions are not insured by the FDIC/NCUA or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any banks, bank affiliate, credit union, or credit union affiliate. These products are subject to investment risk, including the possible loss of value.

Get in, get out, and get on with your life. Use your FRFCU Debit MasterCard® to zoom through checkout at millions of places by adding it to the digital wallet of your choice. Learn more about the benefits of using your FRFCU Debit Card today!

Put your thinking skills to the test! See if you can figure out the correct answer to this brain teaser, and stay tuned for the answer in next month's eNewsletter.

A chicken was given $7, an ant was given $21, and a spider was given $28. How much money was the dog given?

Our FREE webinars are your path towards financial wellness and success. Register for one or more of our upcoming webinars to learn about becoming a homeowner and planning for life's most significant milestones.

• Becoming a Homeowner Webinar hosted by Balance on Thursday, June 13th from 8:30 - 9:30 PM

• 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

Financial Resources FCU will be closed for Juneteenth on Wednesday, June 19th. Regular business hours will resume on Thursday, June 20th.

Our Virtual Assistant Phil, online banking, and mobile banking are available 24/7.