Credit union · NCUA insured
Financial Resources FCU CD Rates
Financial Resources FCU’s best CD rate is 3.25% APY on a 5-year share certificate (CD), with extra requirements. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Financial Resources FCU’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Financial Resources FCU has the most branches. $10,000, best rate first.
This credit union’s best
Financial Resources FCU
3.25%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $1,734
Term Certificates
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $457
Financial Resources FCU CD score
64
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo1.21%
- 9–15 months9–15 mo1.61%
- 16–30 months16–30 mo1.82%
- 31–60 months31–60 mo2.94%
- QualifiedQualified3.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Financial Resources FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Certificates
Up to 3.25%APY · 7 terms
Minimum deposit $500 required. Early withdrawal penalty applies. Dividends credited monthly or at term end.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsRelationship Premium Rate tier | 1.31% | $33 |
| 3–5 monthsStandard rate tier | 1.01% | $25 |
| 6–11 monthsRelationship Premium Rate tier | 1.51% | $75 |
| 6–11 monthsStandard rate tier | 1.21% | $60 |
| 12–23 monthsRelationship Premium Rate tier | 1.92% | $192 |
| 12–23 monthsStandard rate tier | 1.61% | $161 |
| 24–35 monthsRelationship Premium Rate tier | 2.12% | $428 |
| 24–35 monthsStandard rate tier | 1.82% | $367 |
| 36–47 monthsRelationship Premium Rate tier | 2.84% | $876 |
| 36–47 monthsStandard rate tier | 2.53% | $778 |
| 48–59 monthsRelationship Premium Rate tier | 3.04% | $1,273 |
| 48–59 monthsStandard rate tier | 2.73% | $1,138 |
| 60 monthsRelationship Premium Rate tier | 3.25% | $1,734 |
| 60 monthsStandard rate tier | 2.94% | $1,559 |
Sources (2)
- myfinancialresources.org/home/borrow/rates-deposits
- myfinancialresources.org/home/personal/certificates-iras
All captured Oct 15, 2026
Special-purpose accounts
Certificates & IRA Specials
Up to 4.59%APY · 3 terms
Minimum deposit of $500 required. An early withdrawal penalty will be imposed. Fees may reduce earnings. APY will not change throughout the life of the Certificate until maturity. 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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsRelationship Premium Rate: Includes premiums based on account services with the credit union (0.10% for active checking account, 0.10% for existing consumer loan, 0.10% for FRFCU Mortgage or Investment Account) | 4.18% | $277 |
| 8 monthsStandard rate tier without Relationship Premium pricing | 3.87% | $256 |
| 13 monthsRelationship Premium Rate: Includes premiums based on account services with the credit union (0.10% for active checking account, 0.10% for existing consumer loan, 0.10% for FRFCU Mortgage or Investment Account) | 4.59% | $498 |
| 13 monthsStandard rate tier without Relationship Premium pricing | 4.28% | $464 |
| 35 months35 month bump-up certificate. Relationship Premium Rate tier | 2.53% | $756 |
| 35 months35 month bump-up certificate. Standard rate tier | 2.22% | $661 |
Sources (2)
- myfinancialresources.org/home/borrow/rates-deposits
- myfinancialresources.org/home/personal/certificates-iras
All captured Oct 15, 2026
IRA Term Certificates
Up to 3.25%APY · 7 terms
Minimum deposit $500 required. Covers Traditional and Roth IRAs with tax-deferred earnings. Dividends credited monthly or at term end. Hero and Champion Account holders receive an additional 0.10% towards Relationship Premium Rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsRelationship Premium Rate tier | 1.31% | $33 |
| 3–5 monthsStandard rate tier | 1.01% | $25 |
| 6–11 monthsRelationship Premium Rate tier | 1.51% | $75 |
| 6–11 monthsStandard rate tier | 1.21% | $60 |
| 12–23 monthsRelationship Premium Rate tier | 1.92% | $192 |
| 12–23 monthsStandard rate tier | 1.61% | $161 |
| 24–35 monthsRelationship Premium Rate tier | 2.12% | $428 |
| 24–35 monthsStandard rate tier | 1.82% | $367 |
| 36–47 monthsRelationship Premium Rate tier | 2.84% | $876 |
| 36–47 monthsStandard rate tier | 2.53% | $778 |
| 48–59 monthsRelationship Premium Rate tier | 3.04% | $1,273 |
| 48–59 monthsStandard rate tier | 2.73% | $1,138 |
| 60 monthsRelationship Premium Rate tier | 3.25% | $1,734 |
| 60 monthsStandard rate tier | 2.94% | $1,559 |
Sources (2)
- myfinancialresources.org/home/borrow/rates-deposits
- myfinancialresources.org/home/personal/certificates-iras
All captured Oct 15, 2026
Who can join Financial Resources FCU
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.
Membership information collected October 5, 2026.