Credit union · NCUA insured
Financial Resources FCU Savings Rates
Financial Resources FCU’s best savings rate is 1.51% APY on $10,000, with its Purple Savings. Rates checked October 22, 2026.
How Financial Resources FCU’s savings 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
1.51%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $151
Ultra Purple Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Financial Resources FCU savings score
88
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.51%
- $100,000 balance$100,0002.27%
- QualifiedQualified1.51%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Ultra Purple Savings
1.51%APY
Can be opened with $1,000 and requires a daily minimum balance of $10,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.00% | — |
| $10,000 – $50,000 | 1.51% | $151 |
| $50,000 – $100,000 | 1.51% | — |
| $100,000 – $250,000 | 2.27% | — |
| $250,000 – $500,000 | 2.78% | — |
| $500,000 and up | 3.03% | — |
Purple Savings
1.51%APY
Can be opened with $25; requires a daily minimum balance of $25 or higher.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 1.00% | — |
| $500 – $10,000 | 1.00% | — |
| $10,000 – $25,000 | 1.51% | $151 |
| $25,000 – $50,000 | 1.51% | — |
| $50,000 and up | 1.51% | — |
Save to Win
0.50%APY
Quarterly and monthly prize drawing eligibility.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (2)
All captured Oct 15, 2026
Regular Savings
0.01%APY
Earns dividends compounded and credited quarterly; 24/7 access via ATM or Cash Card (with checking account attached).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.01% | $1 |
Special-purpose accounts
Youth Savings
3.03%APY
Available for teens ages 14 to 17; dividends compounded and credited quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.03% | $303 |
Variable IRA Savings
0.30%APY
Build IRA via payroll deduction or automatic savings; rate is variable and may change after opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $5,000 | 0.30% | — |
| $5,000 – $25,000 | 0.30% | $30 |
| $25,000 – $50,000 | 0.40% | — |
| $50,000 – $75,000 | 0.40% | — |
| $75,000 and up | 0.50% | — |
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.