MEMBERSHIP & BENEFITS

Become a Member with a $1 Deposit!

At Financial Resources Federal Credit Union, we’re here to help you make the most of your money.

Whether you’re buying a car, purchasing a home, saving for the future, starting a business, or looking for a better banking experience, we’re ready to help. Best of all, membership starts with just a $1 deposit in any consumer checking (share draft) or savings (share) account, or a $10 deposit in any checking (share draft) or savings (share) business account.

When you join FRFCU, you’re more than an account holder, you’re part of a place that puts people first.

Become a Member

Membership Benefits

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Better Rates & Fewer Fees

Enjoy competitive loan and savings rates, plus fewer fees.

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Financial Wellness

We’re here to help you work toward financial well-being.

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Community Focused

We’re committed to helping our members and the communities we service thrive.

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Wealth Management*

Empower your financial future and save toward a brighter tomorrow.

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Insurance

Protect yourself and your loved ones from the unexpected.

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Rate Match Guarantee

Find a higher Certificate rate and we’ll match it, guaranteed.

About Financial Resources FCU

Financial Resources FCU is a member-owned financial partner committed to helping people build stronger financial futures. We focus on community-minded financial services that support everyday needs and long-term goals. When you join FRFCU, you become part of something bigger.

Why Choose Financial Resources FCU?

Unlike traditional banks, we don’t answer to shareholders, we answer to YOU. That means better rates, lower fees, and services designed around your needs. No matter where you are in your financial journey, we’re here to help.

Official Credit Union of Red Bull New York

We’re proud to be the Official Credit Union of Red Bull New York! Together, we’re bringing fans closer to the action while making an impact off the pitch through initiatives that fight food insecurity, honor veterans, and strengthen the communities we call home.

A Membership for Every Stage of Life

From your first savings account to your first home, from growing your family to planning for retirement, FRFCU has the products, services, and support you need along the way.

Join Today with a $1 Deposit!

Becoming a member is easy! Open any checking (share draft) or savings (share) account with just a $1 deposit ($10 deposit for business members) and start enjoying the benefits of FRFCU membership today. Membership is open to everyone, and once you’re a member, you’ll be a part owner with a voice in how your credit union is run.

Four Ways You Can Qualify for Membership

By Employment

You’re eligible to join Financial Resources Federal Credit Union if you’re employed by one of the hundreds of eligible associations, organizations, or businesses we partner with.

By Community Charter

You can join FRFCU if you live, work, worship, or attend school in the Greater New Brunswick Area (Middlesex County), Flemington Borough (Hunterdon County), Elizabeth (Union County), or Jersey City (Hudson County), New Jersey.

By Family Membership

If you’re an immediate family and household member of someone who has already joined FRFCU, you are also eligible to become a FRFCU member. Immediate family is defined as a spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and anyone in an adoptive relationship. A household is defined as anyone living in the same residence, maintaining a single economic unit.

By Joining the American Consumer Council (ACC)

Joining the American Consumer Council (ACC) for free is an easy way to become eligible for membership at Financial Resources Federal Credit Union, simply complete the ACC membership form.

Become a Member

Our Branch Locations

Need to contact us? Connect with our team here!

You can also become eligible for membership by joining the American Consumer Council (ACC)

If you don’t live in New Jersey, joining the American Consumer Council (ACC) is an easy way to become eligible for membership at Financial Resources Federal Credit Union.

Complete the ACC membership form below, then return to your FRFCU application and select “I am a member of the American Consumer Council (ACC)” to continue.

American Consumer Council Membership Application

New Member Name(Required)

First Last

Email(Required)

Address(Required)

Street Address Address Line 2 City State ZIP Code

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*Investment and insurance products and services are offered through Osaic Institutions, Inc., Member FINRA/SIPC. Osaic Institutions and Financial Resources FCU 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 Financial Resources FCU or its affiliates. These products are subject to investment risk, including the possible loss of value.

Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by the Credit Union or any Credit Union Affiliate; and may lose value. Any insurance required as a condition of the extension of credit by Financial Resources Federal Credit Union need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer’s choice.

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