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FRFCU is Now In



Scroll down to learn more about our Elizabeth Branch, current events, contests, promotions, and special offers.


Why Fit In When You Were Meant to STAND OUT







Elizabeth, NJ Branch

10-12 South Broad Street
Elizabeth, NJ 07202


New Branch Hours:
MON – FRI: 9:00 AM – 5:00 PM
SAT: 9:00 AM – 1:00 PM


Member Service Center: 800-933-3280

A Grand Opening
Offer That’s Sure to
Make a Splash!


Grand Opening Special Offer

6.17% APY*
6 Month Certificate


Learn More



Our focus is to make your financial life better, and to do it in ways that are meaningful and helpful to you.

Every team member at FRFCU is empowered to use their skills and talents to shape a financial plan that best fits your life.

That’s who we are, we put people first.

Let us help you make your dreams a reality, become a member today!


Join Now

Community Checking


Our Community Checking Account is designed to give you peace of mind with NO OVERDRAFT FEES!

Enjoy no overdraft fees, no monthly fees, no minimum balance fees, a free Debit Card, free digital banking services, and more.

You’ll only have access to what’s available in your account and can take advantage of free unlimited use of your Debit Card.


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Helping Elizabeth One Dream at a Time

We’re proud to be a part of the Elizabeth community and support you with financial solutions for every stage of life. From financial education to a wide variety of specialized accounts and loan products, we can help you make your dreams a reality.

Get 0.50% Off1 Your Consumer Loan Rate!

Magical Loan Rates are REAL at FRFCU

Rate Discount Available for:

  • Vehicle Loans
  • Personal Loans
  • Personal Lines of Credit
  • Life Event Loans

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What’s Better
Than Free?


Open a Free Business Checking Account
& you’ll receive a FREE GIFT**!


Mention the FREE GIFT offer to receive your gift when you open your new Free Business Checking Account at our Elizabeth Branch. It’s our way of saying thanks for doing business with us in Elizabeth.

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Financial Education

Lots of helpful information and NO tests!

FRFCU’s partnership with Balance provides you with access to your financial toolkit at no cost. Webinars, live coaching, podcasts, videos, informational articles, worksheets and financial calculators to help empower your financial decisions every step of the way!


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*APY=Annual Percentage Yield. APY effective as of 12/26/2023. Rates are subject to change at any time without notice. Relationship pricing does not apply to this offer. Opening minimum deposit of $500 required as minimum to earn the stated APY for the 6 Month Term Certificate. APY will not change throughout the life of the Certificate until maturity. A penalty will be imposed for early withdrawal. This offer is available for new money to the Elizabeth, NJ Branch location only. Offer not available at other FRFCU Branch locations. 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).

**Minimum opening balance of $25. Account fees may apply. See fee schedule for details. Free gift may be reported on a 1099-INT or 1099-MSC. Free gift provided at the time of account opening. Gift available for in-branch pickup only. Ask us for details. Credit Union rules and regulations apply. Membership eligibility required. Federally Insured by NCUA. Equal Housing Lender.

10.50% Consumer Loan rate discount available only for individuals who apply for their Consumer Loan at our Elizabeth Branch at 10-12 S. Broad Street in Elizabeth, NJ 07202. Discount may be greater than 0.50%. Additional discounted rate examples include a discount of .10% for an active checking account (active checking account requires either: 1- Existing checking account with minimum monthly Direct Deposit of $500.00, 2- FRFCU debit card with minimum 5 transactions in previous month, 3- Active Bill Pay Account); 0.10% for an existing Consumer Loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account; 0.10% for an existing Hero or Champion Account. Eligible Consumer Loans include Vehicle Loans, Personal Loans, Personal Lines of Credit, and Life Event Loans only. Subject to credit approval. Rates are subject to change without notice. Promotion effective starting 12/26/2023 through 2/26/2024. Member eligibility required. Federally Insured by NCUA.