Credit union · NCUA insured
Financial Resources FCU
A $634.2M credit union headquartered in Branchburg, NJ, with 30,297 members and 10 branches in New Jersey. Best rates: savings 1.51% APY.
Financial Resources FCU Carrot Score
72
Carrot Score
Higher than 32% of U.S. banks and credit unions
#104 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Financial Resources FCU
Headquartered in Branchburg, New Jersey, Financial Resources Federal Credit Union is a member-owned cooperative that has been in business for over 100 years, serving individuals, families, and businesses throughout New Jersey.
The credit union was formerly known as Ethicon Employees Federal Credit Union and was originally formed by a group of Johnson & Johnson employees.
- Headquarters
- 3040 US Highway 22 Bldg 2, Branchburg, NJ 08876-3594
- NCUA charter
- 6665
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in the Greater New Brunswick Area (Middlesex County), Flemington Borough (Hunterdon County), Elizabeth (Union County), or Jersey City (Hudson County), New Jersey are eligible for membership.
Employers and groups
- Individuals employed by one of the hundreds of partner associations, organizations, or businesses are eligible for membership.
Family and household
- Immediate family and household members of someone who has already joined FRFCU are eligible for membership.
Other ways
- Individuals can become eligible for membership by joining the American Consumer Council (ACC) for free.
Cost to join
- Business membership starts with a $10 share deposit in any checking (share draft) or savings (share) business account.
- Consumer membership starts with a $1 share deposit in any checking (share draft) or savings (share) account.
Branches
10 branches in New Jersey
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New Jersey
10 branches
New York area · 9
- Administration BranchMain office3040 US Highway 22 Bldg 2, Branchburg, NJ 08876Directions
- Elizabeth Branch10-12 S Broad St, Elizabeth, NJ 07202Directions
- Flemington Branch67 Church St, Flemington, NJ 08822Directions
- Green Brook Branch263 Route 22, Green Brook, NJ 08812Directions
- Jersey City Branch525 Washington Blvd, Suite I, Jersey City, NJ 07310Directions
- c/o J&J Corporate1 Johnson and Johnson Plz, New Brunswick, NJ 08901Directions
- c/o Ortho Clinical Diagnostics1001 US Highway 202, Raritan, NJ 08869Directions
- c/o Janssen Pharmaceutical Cos. of J&J1000 US Highway 202, Raritan, NJ 08869Directions
- Easton Ave Branch780 Easton Ave, Somerset, NJ 08873Directions
Trenton area · 1
- c/o Janssen Pharmaceutica1125 Bear Tavern Rd, Titusville, NJ 08560Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.86% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 3.35% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.29% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $88 | $76 | — |
- CapitalNet worth ratio8.86%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late3.35%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.29%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$88Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Financial Resources FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.