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 Financial Resources Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 18, 2026
Financial Resources Federal Credit Union's 13 Month CD rates are at 3.87%. Financial Resources Federal Credit Union's View all Mortgage rates here. - 5/6 ARM rates are at 6.50%. Financial Resources Federal Credit Union's Personal Loan Rates are as low as 9.99%. MonitorBankRates evaluates the financial stability of Financial Resources Federal Credit Union with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.24%. Rates last updated and verified on 09/18/2026. Financial Resources Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Financial Resources Federal Credit Union? Share your experience about Financial Resources Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Financial Resources Federal Credit Union. Financial Resources Federal Credit Union
Financial Resources FCU-Administration Branch 3040 US Highway 22 Bldg 2
https://www.myfinancialresources.org Branchburg, NJ 08876-3594 
Financial Resources Federal Credit Union CD Rates
Financial Resources Federal Credit Union Mortgage Rates
Financial Resources Federal Credit Union Home Equity & HELOC
Financial Resources Federal Credit Union Auto Loan Rates
Financial Resources Federal Credit Union Credit Card Rates
Financial Resources Federal Credit Union Personal Loan Rates
Financial Resources Federal Credit Union Other Rates
Financial Health HistoryFinancial Resources Federal Credit Union’s Texas Ratio rose from 10.42% in Q2 2023 to 20.24% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.6 and its Health Grade from A to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Financial Resources Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Financial Resources Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Financial Resources Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Financial Resources Federal Credit Union
Address
3040 US Highway 22 Bldg 2,
Branchburg, NJ 08876-3594
Phone
800-933-3280
Fax
908-253-6409
President
Robert Graczyk
CEO
Frank Almeida
Full-Time Employees
95
Part-Time Employees
3
Branch Locations
10
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.6 / 5.0 ★
Overall Health & Safety Grade
B (86/100)
Texas Ratio
20.24%
Return on Assets (ROA)
0.0321%
Return on Equity (ROE)
0.3525%
Non-Performing Loans Ratio (NPL)
2.78%
Total Assets
634,233,897
Total Amount of Shares and Deposits
568,065,294
Total Shares and Deposits < 1 Year
555,587,035
Total Shares and Deposits 1 3 Years
10,311,024
Total Shares and Deposits > 3 Years
2,167,236
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
53,482,973
Total Uninsured Shares and Deposits > $250K (F+J)
53,482,973
Total Insured Shares and Deposits > $250K (item 17 less item K)
514,582,321
Total Interest Expense (Sum of items 6 8)
2,954,428
Share Certificates
3,652
Number of Accounts for Share Drafts
14,240
IRA KEOGH Accounts
533
Number of Accounts for Regular Shares
31,097
Money Market Shares
2,425
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
40,262,443
Total Liabilities
582,321,338
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Financial Resources Federal Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Financial Resources Federal Credit UnionHow many branches does Financial Resources Federal Credit Union operate?Financial Resources Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Financial Resources Federal Credit Union?Yes, to access services at Financial Resources Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Financial Resources Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Financial Resources Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Financial Resources Federal Credit Union offer online and mobile banking?Most modern institutions like Financial Resources Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myfinancialresources.org. Current Financial Resources Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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