*APY = Annual Percentage Yield. Quoted APY available for a 13 month term. Rate effective as of 2/28/2025. Rates are subject to change at any time without notice. Relationship Premium Rates for Certificates include a rate premium based on your account services with the credit union. Rate indicated includes premiums of 0.10% for an active Checking Account (active Checking Account requires either (A) existing Checking Account with minimum monthly direct deposit of $500, (B) FRFCU Debit Card with minimum of 5 transactions in the previous month, or (C) Active Bill Pay account); 0.10% for an existing Consumer Loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for an FRFCU Mortgage or Wealth Management account. Minimum deposit of $500 required. APY will not change throughout the life of the Certificate until maturity. Then, the APY will transition into the current 13 month regular Term Certificate APY. A penalty will be imposed for early withdrawal. Fees may reduce earnings.

¹FRFCU 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.

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).