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Rates effective as of
Mortgages & Home Equity Loans
Mortgages (1) (2) (3) (4) (5)
| Program | Rate | APR4 | Points | Price per Thousand |
|---|---|---|---|---|
| 30 Year Fixed Rate (up to 100% Financing Purchase) | 5.750% | 5.933% | 1 | $5.84 |
| 5/6 ARM | 5.500% | 6.273% | 0 | $5.68 |
Home Equity Loans (1) (2) (4)
| Term | Relationship Premium Annual Percentage Rates As Low As (2) | Monthly Payment per $1,000 borrowed |
|---|---|---|
| 7 Year Fixed Rate | 6.49% | $14.84 |
| 10 Year Fixed Rate | 6.75% | $11.48 |
| 15 Year Fixed Rate | 6.875% | $8.92 |
| 20 Year Fixed Rate | 6.99% | $7.75 |
Home Equity Line of Credit (1) (2) (3) (4)
| Term | Relationship Premium Annual Percentage Rates As Low As (2) |
|---|---|
| 25 years with a 10 year draw period | Valid for qualified Home Equity Lines of Credit up to 80% LTV (Loan to Value); then the APR adjusts monthly to the current Prime Rate* as listed in the Wall Street Journal Money Rates section, plus or minus a margin based on individual credit circumstances and services with the Credit Union, but never lower than 3.00% APR. *As of 12/11/2025, the Current Prime Rate is 6.75%. |
Vehicle Loans
New Cars & Trucks (1) (2) (3) (4)
| Term | Relationship Premium Annual Percentage Rates As Low As3 | Monthly Payment per $1,000 Borrowed |
|---|---|---|
| Up to 36 Months | 5.64% | $30.26 |
| Up to 48 Months | 5.69% | $23.34 |
| Up to 60 Months | 5.69% | $19.19 |
| Up to 72 Months | 5.89% | $16.52 |
| Up to 84 Months | 6.24% | $14.72 |
Used Cars & Trucks (1) (2) (3) (4) Dealer Purchase & Refinance
| Term | Relationship Premium Annual Percentage Rates As Low As3 | Monthly Payment per $1,000 Borrowed |
|---|---|---|
| Up to 36 Months | 5.64% | $30.26 |
| Up to 48 Months | 5.69% | $23.34 |
| Up to 60 Months | 5.69% | $19.19 |
| Up to 72 Months | 5.89% | $16.52 |
| Up to 84 Months | 6.24% | $14.72 |
12welve Auto Loans***
| Months | Annual Percentage Rate* | Monthly Payment per $1,000 Borrowed | Rate Reductions |
|---|---|---|---|
| Months 1-12 | 10.99% | $21.92 | |
| Months 13-24 | 9.99% | $19.99 | 1% rate reduction after 12 consecutive on-time monthly payments |
| Months 25-36 | 8.99% | $20.49 | 1% rate reduction after 24 consecutive on-time monthly payments |
| Months 37-60 | 7.99% | $19.62 | 1% rate reduction after 36 consecutive on-time monthly payments |
New Motorcycles & ATVs (1) (2) (3) (4)
| Term | Relationship Premium Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed | Min. Loan Amount |
|---|---|---|---|
| Up to 48 Months | 7.20% | $24.04 | $3,000 |
| Up to 60 Months* | 7.70% | $20.13 | $10,000 |
| Up to 72 Months* | 8.45% | $17.75 | $15,000 |
Used Motorcycles & ATVs (1) (2) (3) (4)
| Term | Relationship Premium Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed | Min. Loan Amount |
|---|---|---|---|
| Up to 48 Months | 7.45% | $24.16 | $3,000 |
| Up to 60 Months* | 7.95% | $20.25 | $10,000 |
Boats and Personal Watercraft (1) (2) (3) (4)
| Term | Relationship Premium Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed | Min. Loan Amount |
|---|---|---|---|
| Up to 48 Months | 10.69% | $25.70 | $3,000 |
| Up to 60 Months* | 11.19% | $21.84 | $10,000 |
| Up to 72 Months* | 11.44% | $19.26 | $10,000 |
| Up to 84 Months | 12.19% | $17.75 | $20,000 |
| Up to 120 Months* | 12.44% | $14.60 | $25,000 |
| Up to 180 Months* | 12.69% | $12.45 | $50,000 |
Recreational Vehicles (1) (2) (3) (4)
| Term | Relationship Premium Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed | Min. Loan Amount |
|---|---|---|---|
| Up to 48 Months | 10.94% | $25.82 | $3,000 |
| Up to 60 Months* | 11.44% | $21.96 | $10,000 |
| Up to 72 Months* | 11.94% | $19.52 | $20,000 |
| Up to 120 Months* | 12.44% | $14.60 | $50,000 |
Term Loans (1) (2) (3)
| Type | Term | Relationship Premium Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed |
|---|---|---|---|
| Personal Loan | Up to 60 months | 10.69% | $21.59 |
| Personal Line of Credit | Up to 120 months | 14.74% |
Lines of Credit (1) (2) (3)
| Type | Term | Annual Percentage Rates As Low As |
|---|---|---|
| Personal Line of Credit | Up to 120 months | 14.74% |
Stock Secured Loans (1) (2) (3)
| Type | Term | Annual Percentage Rates As Low As | Monthly Payment per $1,000 borrowed |
|---|---|---|---|
| Line of Credit | 4.75% | ||
| Principal & Interest | Up to 120 months | 6.50% | $11.23 |
| Interest Only | Up to 12 months | 5.00% | $4.11 Interest Only |
Savings/Certificate Secured Loans
| Type | Term | Annual Percentage Rates |
|---|---|---|
| Savings Secured | Various Terms Available | 3% over dividend rate |
| Certificate Secured | Term of Certificate | 3% over dividend rate |
Specialty Loans
Life Event Loans
| Type of Loan | Term | Relationship Premium Annual Percentage Rates as Low as | Monthly Payment per $1,000 borrowed |
|---|---|---|---|
| Home Improvement | Up to 84 months | 9.94% | $16.57 |
| Home Improvement | Up to 120 months | 10.94% | $13.74 |
| Home Emergency | Up to 72 months | 10.44% | $18.75 |
| Health & Beauty Loans | Up to 72 months | 11.94% | $19.52 |
| Family Event/Crisis | Up to 72 months | 9.44% | $18.24 |
| Appliances & Furniture | Up to 48 months | 10.44% | $25.57 |
| Technical Skills | Up to 72 months | 10.79% | $18.93 |
Credit$ense Loans
| Type of Loan | Term | Rates | Monthly Payment per $1,000 borrowed |
|---|---|---|---|
| Credit$ense | Up to 24 months | Low Fixed Rate of 6.99% APR | $44.77 |
Credit Cards
| Type | Visa RBNY Card | Visa Signature Rewards Card | Visa Platinum Card | Visa Secured Card | Visa Business Rewards Card |
|---|---|---|---|---|---|
| Introductory APR for Purchases | 0.00% for 12 Months | 0.00% for 6 Months | 0.00% for 6 Months | N/A | N/A |
| Standard APR for Purchases | 16.49% Fixed | 16.49%-18.00% Variable | 14.49%-18.00% Variable | 18.00% Variable | 16.49%-18.00% Variable |
| Standard APR for Balance Transfers | 0.00% for 12 Months | 9.99% for 18 Months | 9.99% for 18 Months | 9.99% for 18 Months | N/A |
Checking & Savings Account Rates
Checking Accounts (1) (2) (3) (4)
| Type | Minimum Balance (2) | Dividend Rate (3) | APY (4) |
|---|---|---|---|
| VIP Checking | $0-1,499.99 | 0.05% | 0.05% |
| $1,500.00 and over | 0.10% | 0.10% | |
| Advantage 50 Checking | $0 and over | 0.05% | 0.05% |
| Direct Advantage Checking | $0 and over | 0.05% | 0.05% |
| Hero Checking | $0 and over | 0.05% | 0.05% |
| Champion Checking | $0 and over | 0.05% | 0.05% |
Savings Accounts (1) (2) (3) (4)
| Type | Minimum Balance (2) | Dividend Rate (3) | APY (4) |
|---|---|---|---|
| Membership Savings | $10 | 0.01% | 0.01% |
| Ultra Purple Savings | $0 - $9,999.99 | 0.00% | 0.00% |
| $10,000 - $49,999.99 | 1.50% | 1.51% | |
| $50,000 - $99,999.99 | 1.50% | 1.51% | |
| $100,000 - $249,999.99 | 2.25% | 2.27% | |
| $250,000 - $499,999.99 | 2.75% | 2.78% | |
| $500,000 and over | 3.00% | 3.03% | |
| Purple Savings | $0 - $499.99 | 1.00% | 1.00% |
| $500 - $9,999.99 | 1.00% | 1.00% | |
| $10,000 - $24,999.99 | 1.50% | 1.51% | |
| $25,000 - $49,999.99 | 1.50% | 1.51% | |
| $50,000 and over | 1.50% | 1.51% | |
| Youth Savings | $0 | 3.00% | 3.03% |
| Save to Win | $0 | 0.50% | 0.50% |
APY = Annual Percentage Yield.
Certificate & IRA Rates
Term Certificate & IRA Specials (1) (2) (4) (5) (6) (7) (8)
| Term | Minimum2 | Dividend Rate | APY4 | Relationship Premium Rate7 | APY4 |
|---|---|---|---|---|---|
| 8 months* | $500 | 3.50% | 3.56% | 3.80% | 3.87% |
| 13 months* | $500 | 3.20% | 3.25% | 3.50% | 3.56% |
| 35 month bump-up8 | $500 | 2.20% | 2.22% | 2.50% | 2.53% |
Regular Term Certificate Rates (1) (2) (4) (5) (7)
| Term | Minimum2 | Dividend Rate | APY4 | Relationship Premium Rate7 | APY4 |
|---|---|---|---|---|---|
| 3-5 months | $500 | 1.00% | 1.01% | 1.30% | 1.31% |
| 6-11 months | $500 | 1.20% | 1.21% | 1.50% | 1.51% |
| 12-23 months | $500 | 1.60% | 1.61% | 1.90% | 1.92% |
| 24-35 months | $500 | 1.80% | 1.82% | 2.10% | 2.12% |
| 36-47 months | $500 | 2.50% | 2.53% | 2.80% | 2.84% |
| 48-59 months | $500 | 2.70% | 2.73% | 3.00% | 3.04% |
| 60 months | $500 | 2.90% | 2.94% | 3.20% | 3.25% |
IRA Rates (1) (2) (4) (5) (6) (7)
| Term | Minimum2 | Dividend Rate | APY4 | Relationship Premium Rate7 | APY4 |
|---|---|---|---|---|---|
| 3-5 months | $500 | 1.00% | 1.01% | 1.30% | 1.31% |
| 6-11 months | $500 | 1.20% | 1.21% | 1.50% | 1.51% |
| 12-23 months | $500 | 1.60% | 1.61% | 1.90% | 1.92% |
| 24-35 months | $500 | 1.80% | 1.82% | 2.10% | 2.12% |
| 36-47 months | $500 | 2.50% | 2.53% | 2.80% | 2.84% |
| 48-59 months | $500 | 2.70% | 2.73% | 3.00% | 3.04% |
| 60 months | $500 | 2.90% | 2.94% | 3.20% | 3.25% |
Variable IRA Savings (1) (2) (3) (4) (6)
| Minimum Balance2 | Dividend Rate3 | APY4 |
|---|---|---|
| $0 – $999.99 | 0.00% | 0.00% |
| $1,000 – $4,999.99 | 0.30% | 0.30% |
| $5,000 – $24,999.99 | 0.30% | 0.30% |
| $25,000 – $49,999.99 | 0.40% | 0.40% |
| $50,000 – $74,999.99 | 0.40% | 0.40% |
| $75,000 and over | 0.50% | 0.50% |
Business Accounts
Business Savings Accounts (*) (1) (2) (3)
| Type | Minimum Balance | Rates | APY (*) |
|---|---|---|---|
| Business Membership Savings (1) | $10 | 0.01% | 0.01% |
| Business Purple Savings (2) | $0 - $499.99 | 3.00% | 3.03% |
| $500 - $9,999.99 | 3.00% | 3.03% | |
| $10,000 - $24,999.99 | 3.00% | 3.03% | |
| $25,000 - $49,999.99 | 3.00% | 3.03% | |
| $50,000 - $99,999.99 | 3.00% | 3.03% | |
| $100,000 and over | 3.00% | 3.03% |
Business Checking Accounts (*) (1) (2) (3)
| Type | Minimum Balance | Rates | APY (*) |
|---|---|---|---|
| Business Checking Plus (3) | $0 and over | 0.10% | 0.10% |
420 Business Savings Accounts (*) (1) (2)
| Type | Minimum Balance | Rates | APY (*) |
|---|---|---|---|
| 420 Business Membership Savings (1) | $10 | 0.01% | 0.01% |
| 420 Business Purple Savings (2) | $0 - $499.99 | 3.00% | 3.03% |
| $500 - $9,999.99 | 3.00% | 3.03% | |
| $10,000 - $24,999.99 | 3.00% | 3.03% | |
| $25,000 - $49,999.99 | 3.00% | 3.03% | |
| $50,000 - $99,999.99 | 3.00% | 3.03% | |
| $100,000 and over | 3.00% | 3.03% |
Municipal Checking & Savings Accounts (*) (1) (2) (3)
| Type | Minimum Balance | Rates | APY (*) |
|---|---|---|---|
| Municipal Membership Savings (1) | $10 | 0.01% | 0.01% |
| Municipal Purple Savings (2) | $0 - $499.99 | 3.00% | 3.03% |
| $500 - $9,999.99 | 3.00% | 3.03% | |
| $10,000 - $24,999.99 | 3.00% | 3.03% | |
| $25,000 - $49,999.99 | 3.00% | 3.03% | |
| $50,000 - $99,999.99 | 3.00% | 3.03% | |
| $100,000 and over | 3.00% | 3.03% | |
| Municipal Checking Plus (3) | $0 and over | 0.10% | 0.10% |
Non-Profit Checking & Savings Accounts (*) (1) (2) (3)
| Type | Minimum Balance | Rates | APY (*) |
|---|---|---|---|
| Non-Profit Membership Savings (1) | $10 | 0.01% | 0.01% |
| Non-Profit Purple Savings (2) | $0 - $499.99 | 3.00% | 3.03% |
| $500 - $9,999.99 | 3.00% | 3.03% | |
| $10,000 - $24,999.99 | 3.00% | 3.03% | |
| $25,000 - $49,999.99 | 3.00% | 3.03% | |
| $50,000 - $99,999.99 | 3.00% | 3.03% | |
| $100,000 and over | 3.00% | 3.03% | |
| Non-Profit Checking Plus (3) | $0 and over | 0.10% | 0.10% |
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Mortgages
(1) Rates are based on evaluation of credit history, loan-to-value, and loan term, so your rate may differ. For primary residences, second homes, or investment property. Loans are subject to credit approval.
(2) Rates quoted are for a single-family, owner-occupied residence located in New Jersey. Rates quoted assume a loan to value ratio of 80% and a credit score of 740. Your actual rate will depend upon several factors including, but not limited to, the loan type, loan size, property type, your credit score and property value. Your actual rate, payment and costs could be higher.
(3) Private mortgage insurance (“PMI”) may be required depending upon FRFCU’s lending policy. If PMI is required, the mortgage insurance premium may increase the APR and monthly mortgage payment.
(4) Annual Percentage Rate (APR) calculation is based upon a loan amount of $280,000, and includes fee estimates for origination, flood certification, real estate tax service, settlement / closing, lender attorney review, and points, if applicable.
(5) All loans are subject to approval in accordance with FRFCU’s lending policies. Other terms and conditions may apply. Terms and conditions subject to change at any time without prior notice. Please contact one of our Mortgage Loan Officers for further details.
*NMLS #401965.
Federally Insured by NCUA. Equal Opportunity and Equal Housing Lender.
Rates are subject to change.
Home Equity & HELOC
(1) Home Equity Loans & Lines of Credit
- Approval and Availability: All loans and lines of credit are subject to credit approval. Rates and terms may change at any time without notice.
- Eligibility Note: Not everyone qualifies. You must meet Financial Resources FCU membership requirements and credit qualification standards.
- Geographic Restrictions: These products are not available in Puerto Rico or the states of Alaska, Hawaii, or Texas.
- Higher Borrowing Options: Programs allowing borrowing above 80% loan-to-value (LTV) are available. Contact us for details and applicable rates.
(2) Rates & Discounts
- Your Annual Percentage Rate (APR) depends on your credit history, the amount of equity in your home, and your relationship with the credit union.
- We offer a 0.30% rate reduction (Relationship Premium) if you have qualifying services with us. This includes:
- 0.10% for an active checking account (requires one of: monthly direct deposit of at least $500, at least 5 FRFCU cash card transactions in the prior month, or an active Bill Pay account).
- 0.10% for an existing consumer loan (excludes Credit Builder loans and Personal Lines of Credit).
- 0.10% for a FRFCU Mortgage or Investment Account.
- If you don’t have any qualifying relationships, add 0.30% to the displayed rate.
- Payment examples do not include taxes or insurance premiums. Your actual monthly payment will be higher.
(3) Home Equity Line of Credit (HELOC) Specifics
- The rate is variable and adjusts monthly based on the current Prime Rate (published in The Wall Street Journal) plus a margin determined by your credit and relationship with us.
- The rate will never drop below 3.00% APR and cannot exceed the maximum allowed under federal law (currently 18.00% as extended by NCUA through September 10, 2027).
- A $49 annual fee applies on each anniversary of opening the line.
- Rates can change without notice.
(4) Fees & Taxes
- State Mortgage Recording Taxes: In certain states/counties (AL, FL, GA, KS, Orleans Parish in LA, MD, MN, NY, OK, TN, VA), a tax applies when the mortgage is recorded. This can range from 0.10% to 2.175% of the loan/line amount (or $1 to $21.75 per $1,000 borrowed), depending on location. If your property is in one of these areas, we’ll notify you of the exact amount, and the loan/line will advance funds to cover it.
- Prepayment Rules: No prepayment penalties apply. However, if you pay off the loan or line and release the lien within the first 12 months, you’ll reimburse us for third-party closing costs we paid (up to a maximum of $195).
- Appraisal & Title Costs (for larger amounts):
- No fees for amounts up to $250,000.
- For amounts over $250,000: A full appraisal may be required (at your expense; typically $535–$635).
- For amounts over $500,000: Title insurance is required (at your expense; typically $1,000–$3,000).
Other Requirements
- Taxes & Insurance Not Included: Shown payments exclude property taxes and insurance. Your total costs will be higher.
- Insurance Requirement: You must keep property insurance in force on the home at all times during the loan/line term.
Vehicle Loans
**$150.00 will be deposited into your FRFCU Regular Savings account within 30 days of loan booking. Auto Loan refinancing and Lease Buyout offers only available for loan amounts of $10,000.00 or more, and for automobiles not financed with FRFCU. Promotion valid starting 3/1/2023.
New and Used Vehicle Loan Terms over 72 months require a minimum loan amount of $30,000.
Used Vehicles: Loans are granted on vehicles no more than nine (9) years old get up to 130% of the NADA or Kelly Blue Book retail value.
Vehicle Refinancing: Loans are granted on vehicles no more than nine (9) years old get up to 130% of the NADA or Kelly Blue Book retail value, adjusted for mileage and vehicle options.
Financing is offered exclusively for titled vehicles purchased through licensed dealerships, including automobiles, motorcycles, ATVs and UTVs, recreational vehicles (RVs), boats, personal watercraft, and other licensed or titled vehicles. Private party purchases are not eligible for financing.
***12welve Auto Loans: *APR = Annual Percentage Rate. Eligible borrowers will qualify for rate reductions after making 12 consecutive on-time monthly payments. Borrowers will be able to receive a maximum of 3 rate reductions after each 12-month period in which all monthly payments were made as scheduled. Loan amounts up to $25,000. Additional criteria may apply. 12welve is only available for new and used auto loans. 12welve cannot be combined with any other rate discount programs or incentives. Offer is subject to credit approval. Terms and conditions may change without notice. Membership eligibility required. Federally Insured by NCUA.
New Boats & Personal Watercraft: Up to 100% financing is available for any personal watercraft. Up to 100% financing available on any new vessel that is longer than 12 feet, but less than 27 feet that has either inboard/outboard or attached propulsion and has a title that is recorded with their state division of motor vehicles.
Used Boats & Personal Watercraft: Financing is available up to100% of NADA retail value adjusted for optional equipment. Financing is available for personal watercraft, or for vessels longer than 12 feet, but less than 27 feet that has either inboard/outboard or attached propulsion and has a title that is recorded with their state division of motor vehicles.
New Motorcycle & ATV: Financing up to 100% of invoice is available. New motorcycle financing is available for any current or prior model year motor cycle that has never been titled.
Used Motorcycle & ATV: Financing is available up to100% of NADA retail value adjusted for motorcycle/ATV options. Financing is available for any used current model year vehicles plus vehicles of the five (5) prior model years.
New Recreational Vehicles: New recreational vehicle financing is available for any current or prior model year vehicle that has never been titled, or any current or prior year “demonstrator” vehicle with less than 5,000 miles on its odometer. Financing is available up to 80% of purchase price (excluding registration fees, sales tax and warranty coverage).
Used Recreational Vehicles: Financing is available up to 100% of NADA retail value adjusted for mileage and vehicle options. Used vehicle financing is available for any current model year used vehicle plus vehicles of the six prior model years.
(1) Annual Percentage Rate (APR) remains fixed for the term of the loan.
(2) New Vehicles: Get up to 130% financing plus tax, tag, title and extended warranty insurance.
(3) The Annual Percentage Rate (APR) quoted is the lowest available rate based on individual credit circumstances for each qualified applicant and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes a discount of .10% for an active checking account (active checking account requires either (A) existing checking acct with minimum monthly Direct Deposit of $500.00, (B) FRFCU cash card with minimum 5 transactions in previous month, (C) 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. If no qualifying relationship add .30% to the stated rate. The rate will never be higher than the maximum allowed by the Federal Credit Union Act from, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Loans are subject to credit approval. Rates are subject to change without notice.
(4) Loans and Lines are not available in Puerto Rico.
Rates are subject to change. Not all applicants will qualify for the lowest rate.
Personal Loans
(2) Loans and Lines are not available in Puerto Rico.
(3) The Annual Percentage Rate (APR) quoted is the lowest based on individual credit circumstances for each qualified applicant. Not all applicants will qualify for the lowest rate. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Rates are subject to change without notice.
Specialty Loans
APR = Annual Percentage Rate.
Life Event Loans: Loan amounts between $500 and $20,000. Loans are subject to credit approval. Rates based on individual credit circumstances. Loans and Lines are not available in Puerto Rico. The Annual Percentage Rate (APR) quoted is the lowest based on individual credit circumstances for each qualified applicant. Not all applicants will qualify for the lowest rate. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. Rates are subject to change without notice. Membership eligibility required.
The Annual Percentage Rate (APR) quoted is the lowest available rate based on individual credit circumstances for each qualified applicant and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes a discount of .10% for an active checking account (active checking account requires either (A) existing checking account with minimum monthly Direct Deposit of $500.00, (B) FRFCU cash card with minimum 5 transactions in previous month, (C) Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. If no qualifying relationship add .30% to the stated rate.
Credit$ense Loans: Loan amounts between $500.00 and $3,000.00. Not to be combined with any other rate discount programs or incentives. Terms and conditions may change without notice. Loan proceeds will be deposited into the member’s savings account for the term of the loan and will be provided to the member upon final loan payment. Payment example: $1,000.00 loan at 6.99% for 24 months equals a monthly payment of $44.77. Membership eligibility required.
Rates are subject to change.
Credit Cards
*APR = Annual Percentage Rate. Your interest rate will vary based on your credit history. Not all applicants will qualify for the lowest rate. Subject to credit approval. All rates are subject to change at any time without notice. Transaction Fees apply: 2% of each advance ($10.00 minimum) for Cash Advance. Foreign Transaction Fee is 1% of each foreign currency transaction in U.S Dollars, 1% of each U.S. Dollar transaction that occurs in a foreign country. No Annual or Balance Transfer Fees.
VISA® RBNY Credit Card: 0.00% introductory APR for the first twelve (12) months on purchases and balance transfers. After the introductory period, the APR will be 16.49%. No annual fee. Balance Transfer Fee of 3% of the amount of each balance transfer. Balance transfers may not be made from another credit card issued by Financial Resources FCU. Rates and terms are subject to change at any time without notice. Transaction fees apply: Cash Advance Fee of 2% of each advance ($10.00 minimum). Foreign Transaction Fee of 1% of each foreign currency transaction in U.S. dollars and 1% of each U.S. dollar transaction that occurs in a foreign country. Cash back rewards redemption will be applied as a statement credit within 60 days after the qualifying transaction has posted to the account. Membership eligibility required. Federally insured by NCUA.
VISA® Signature Credit Card: 0.00% introductory Annual Percentage Rate (APR) for the first six months. After that, your APR will be between 16.49% and 18.00%. This APR will vary with the market based on prime rate. Your interest rate will vary based on your credit history. 9.99% APR for Balance Transfers for 18 months. Subject to credit approval. Member eligibility required. Federally insured by NCUA.
VISA® Platinum Credit Card: 0.00% introductory APR for the first six months. After that, your APR will be between 14.49% and 18.00%. This APR will vary with the market based on prime rate. Your interest rate will vary based on your credit history. 9.99% APR for Balance Transfers for 18 months. Subject to credit approval. Member eligibility required. Federally insured by NCUA.
VISA® Secured Credit Card: Your APR will be 18.00%. This APR will vary with the market based on prime rate. 9.99% APR for Balance Transfers for 18 months. Subject to credit approval. Member eligibility required. Federally insured by NCUA.
VISA® Business Credit Card: Your APR will be between 16.49% and 18.00%. This APR will vary with the market based on prime rate. Your interest rate will vary based on your credit history. Subject to credit approval. Member eligibility required. Federally insured by NCUA.
Checking Accounts
(1) Fees may reduce earnings on these accounts: Savings, VIP Checking, Money Market and IRAs.
(2) Minimum Balance to earn stated Annual Percentage Yield (APY). If a range is shown as a deposit tier, the starting balance shown in that tier is the Minimum Balance needed to earn the stated Annual Percentage Yield (APY).
(3) Rate is variable and may change after the account is opened.
(4) APY = Annual Percentage Yield.
Rates are subject to change.
Savings Accounts
(2) Minimum Balance to earn stated Annual Percentage Yield (APY). If a range is shown as a deposit tier, the starting balance shown in that tier is the Minimum Balance needed to earn the stated Annual Percentage Yield (APY).
(3) Rate is variable and may change after the account is opened.
(4) APY = Annual Percentage Yield.
Rates are subject to change.
Term Certificates & IRAs
(2) Minimum Balance to earn stated Annual Percentage Yield (APY). If a range is shown as a deposit tier, the starting balance shown in that tier is the Minimum Balance needed to earn the stated Annual Percentage Yield (APY).
(3) Rate is variable and may change after the account is opened.
(4) APY = Annual Percentage Yield.
(5) An early withdrawal penalty will be imposed.
(6) Consult your tax advisor or IRS Publication 590 to determine what type of IRA is right for you. Publication 590 can be found at your local post office or online at the Internal Revenue Service Website.
(7) Relationship Premium Rates for Certificates and IRA’s include a rate premium based on your account services with the credit union. Rates indicated include premiums of 0.10% for an active checking account (active checking account requires either (A) existing checking acct with minimum monthly Direct Deposit of $500.00 , (B) FRFCU cash card with minimum 5 transactions in previous month, (C) 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.
(8) The Bump-Up Certificate allows you to increase the rate on the certificate to the current rate one time if rates rise during the term of the certificate. No additional deposit is needed to activate the Bump-Up feature.
Rates are subject to change.
Business Accounts
(1) Business/Municipal/Non-Profit Membership Savings: Requires $10 deposit to open account. $10 minimum balance required, no monthly service charges.
(2) Business/Municipal/Non-Profit Purple Savings: Requires a Financial Resources membership savings account in the business name with a $10 minimum. Minimum balance to earn stated Annual Percentage Yield (APY). If a range is shown as a deposit tier, the starting balance shown in that tier is the minimum balance needed to earn the Annual Percentage Yield (APY). Rate is variable and may change after the account is opened. No limits on in-person withdrawals.
(3) Business/Municipal/Non-Profit Checking Plus: requires $25 deposit to open account. Dividends paid on all balances. $5,000 minimum monthly balance required. $6 monthly service charge if minimum balance is not maintained.
Rates are subject to change.