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Find Your “Happy Rate”

Here at FRFCU!

Bring in a better Term Certificate rate and we’ll MATCH IT*!

No need to keep shopping rates!


Open a Term Certificate!




14 Month Certificate
Rates as high as
4.91% APY**
And if you find a
better rate,
we’ll match it*!


Rate Match Guarantee for Term Certificates*

We strive to offer our members competitive rates! We offer to match verifiable Certificate rates to FRFCU members from 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 NJ Counties*.


View Rates

How to Request Your Rate Match:


– Come into one of our branch locations in Bridgewater, Somerset, Green Brook, Hillsborough, Flemington, or Jersey City, NJ to speak with a Relationship Specialist!

– You must bring your printed rate verification* with you to redeem this offer.

Click here to view our branch locations.

Take Advantage of Our Rate Match Offer*!


Give us a call at:
(800) 933-3280


*FRFCU 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.

**APY=Annual Percentage Yield. APY effective as of 05/19/2023. Rates subject to change at any time. Opening minimum deposit of $500 required as minimum to earn the stated APY for the 14 Month Term Certificate. APY will not change throughout the life of the Certificate until maturity. A penalty will be imposed for early withdrawal. Member eligibility required. Federally Insured by NCUA.