Financial Resources Raritan NJ Credit Union | Affordable Vehicle Loans & Online Banking

Introduction

At Financial Resources, located at 1000 Us Highway 202, Raritan, NJ 08869, we pride ourselves on being more than just a credit union; we are a vital part of our community. Established in 1950, we have grown to serve 29,439 members with a commitment to providing personalized financial services. Our total assets stand impressively at $624,645,070, enabling us to support our members' diverse needs. Whether you're looking for auto loans, mortgages, or business banking solutions, our experienced team is here to guide you every step of the way. With over 95 employees dedicated to exceptional service and community involvement, we work hard to ensure your financial journey is smooth and rewarding. While you can always visit us at our branch for friendly service and expert advice, please note that official correspondence should be directed to our mailing address: 1000 US Highway 202, Raritan, NJ 8869. Led by CEO Frank Almeida and Board President Robert Graczyk, we prioritize transparency and reliability in all our operations. Our net worth of $55,168,999 reflects our stability and dedication to member satisfaction. For any questions or assistance, feel free to reach out at 908-218-7661. We invite you to explore our website at Financial Resources for more information on how we can assist you today! Join us as we continue to make a positive impact in Raritan and beyond.

Branch History & Mission

Commitment to Innovation

As times change, so do we. Financial Resources embraces technology by offering online banking, mobile payments, and e-statements to ensure that our services are always within reach. We maintain ADA compliance, ensuring that everyone can access our facilities without barriers. Our focus on customer-centric initiatives has made it easier for members to manage their finances with ease.

Community Engagement

Being part of Raritan means being part of its vibrant community. We actively participate in local events and collaborate with organizations that share our vision of fostering growth and development. Our team is dedicated to not only helping you achieve your financial goals but also contributing positively to the neighborhood around us. We invite you to join Financial Resources today! Experience firsthand how we can help you navigate your financial journey while supporting the community you love. Visit us or give us a call at 908-218-7661 we're excited to welcome you into our family!

Our Mission

The heart of Financial Resources lies in our mission statement: "To improve the financial well-being of our members and the communities we serve." We understand that banking is more than just numbers; it's about building relationships. That's why we prioritize community support through various outreach programs and partnerships aimed at making a real difference in people's lives. While members can visit us at 1000 Us Highway 202, official correspondence should be sent to 1000 US Highway 202, Raritan, NJ 8869. Our branch operates on Mondays and Wednesdays from 10:30 AM to 2:00 PM, ensuring that we are available when you need us most. Although we do not have drive-thru services, we are equipped with an ATM for your convenience.

Branch Location & Accessibility

Accessibility and Features

Our branch is designed with accessibility in mind. We are proud to offer ADA-compliant facilities, ensuring that everyone can comfortably access our services. Parking is readily available right outside the entrance, so you can quickly hop in and out without any hassle. At Financial Resources, we understand that life can be busy. That's why we've made it easy for you to manage your finances. Our lobby hours are tailored to fit your schedule, open on Monday and Wednesday from 10:30 AM to 2:00 PM. Although we currently do not offer drive-thru banking, we do provide ATM services so you can withdraw cash or check balances anytime making your banking as convenient as possible!

Connect with Us

Have questions or need assistance? Our friendly team is just a phone call away at 908-218-7661. We invite you to visit us at Financial Resources and discover how we can assist you on your financial journey. Your satisfaction is our priority let us help you achieve your goals today!

Services Offered

We're here to help with a wide range of financial services. Whether you're looking for checking and savings accounts, auto loans, mortgages, or credit cards with rewards, we have options that fit your needs. For businesses, we also offer merchant services and business loans to support your growth.

Member Eligibility

Becoming a member of Financial Resources means joining a welcoming community where your financial well-being is our top priority. If you're looking to enjoy the benefits of personalized banking, you'll be pleased to know that eligibility is open to individuals who live, work, worship, or attend school in our local area. We also welcome family members of existing members, making it easy for you to share the advantages of membership with loved ones. To learn more about the specific criteria and ensure you're eligible, feel free to visit our detailed resource at https://myfinancialresources.org/home/about-us/membership/ . Opening an account is straightforward and designed with you in mind! Simply reach out to us at (908) 218-7661, or explore the account opening details through this link: https://myfinancialresources.org/home/business/select-employer-group/ . We're excited to help you take the first step toward a brighter financial future right here at Financial Resources, located at 1000 Us Highway 202 Raritan Nj 08869.

Business Banking & Commercial Services

Commercial Loans That Make a Difference

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $285 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $101,347,116, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Operations

In addition to loans, we provide merchant services that simplify payment processing. Imagine being able to accept payments from customers seamlessly, whether they're using credit cards or mobile wallets. This not only enhances customer satisfaction but also streamlines your operations, allowing you to focus on what really matters growing your business. If you're ready to take the next step in your business journey, contact us at (908) 218-7661 or visit our website at https://myfinancialresources.org/ to learn more about how we can support you!

Comprehensive List Of Services

Accessibility and Support

At Financial Resources, we understand that accessibility is vital for our members. That's why our branch operates during convenient hours on Mondays and Wednesdays from 10:30 AM to 2:00 PM. Should you have any questions or need assistance, don't hesitate to call us at (908) 218-7661 our friendly staff is always ready to help! In conclusion, whether you're planning for the future or dealing with immediate financial needs, we have the resources to support you every step of the way at Financial Resources Fcu-c/o Janssen Pharmaceutical Cos. Of J&j. Visit us today at 1000 Us Highway 202 Raritan Nj 08869, explore our comprehensive list of services firsthand, and see how we can assist you in achieving your financial goals!

Business Banking Services

For local businesses, we provide specialized support through our business banking services, including merchant services and business loans. This means you can focus on growing your business while we handle your financial needs.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options that let you bank from anywhere. With features like mobile payments, person-to-person transactions, and easy access to account information, managing your finances has never been simpler. Our ATMs are readily available for quick cash withdrawals or balance checks whenever you need them.

Financial Assistance

Life can throw unexpected expenses your way, which is why our personal loans and debt consolidation services are invaluable. They allow you to consolidate multiple debts into one manageable payment, giving you peace of mind. Additionally, our credit cards with rewards let you earn points on everyday purchases, making it easier to treat yourself while managing spending.

Personal Banking Solutions

Our personal banking services are designed to make managing your finances straightforward and accessible. You can open a checking or savings account that fits your lifestyle, allowing you to save for future goals or manage everyday expenses without hassle. For those considering a new vehicle, our auto loans and vehicle financing options provide flexible terms that make purchasing your dream car possible. We also offer mortgage loans and refinancing solutions, helping you secure a home or lower your current mortgage payments with competitive rates.

Digital & Online Banking

Convenient Online Services

With our online banking services, available at https://myfinancialresources.org/ , you can access your accounts 24/7. This means you can check balances, transfer funds, and pay bills anytime, anywhere. Plus, with features like electronic signature authorization, handling important documents has never been easier or more secure.

Go Paperless with E-Statements

Say goodbye to paper clutter! We provide e-statements for all your accounts, allowing you to view your financial information quickly and conveniently. You can easily download or print your statements whenever you need them, helping you stay organized while protecting the environment.

Mobile Banking at Your Fingertips

For those who prefer banking on the go, our mobile application is perfect for you. Available for both Android and iOS devices, it offers features like mobile payments and person-to-person transfers. Need to send money to a friend? Just a few taps on your phone will do the trick!

Security You Can Trust

Your safety is our top priority. Our digital banking platform utilizes advanced security measures to ensure that your personal information remains protected. From secure logins to encrypted transactions, rest assured that we take every precaution to keep your data safe. At Financial Resources, we're committed to providing accessible and convenient banking solutions tailored to meet your needs. Join us today and experience how easy managing your finances can be!

Financial Strength

A Solid Foundation

With a net worth of $55,168,999, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 883 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Excellence

Our operations reflect our commitment to efficiency with a reported net income of $0 this year. This allows us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 92 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Together

We currently have a total of 51,162 share accounts, showing a strong and growing member base that trusts us with their finances. Our strong performance is backed by insights from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Financial Resources is your trusted partner. Visit us at 1000 Us Highway 202 Raritan NJ 08869 or call 908-218-7661 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $55,070,784 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals with $475,481,537 in total loans and leases and 742 used auto loans available for those looking to make significant purchases or investments.

Secure Savings Opportunities

Members' savings are secured through $173,825,148 in share certificates and $136,155,614 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. Our focus is on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $8,842,232 in used vehicle loans and $1,671,544 in new vehicle loans already helping members get on the road. We have flexible terms that make it easier for you to drive away in your ideal vehicle.

Credit Lines

For those looking for additional financial flexibility, our total credit lines amount to $277,221,818. This option is perfect for managing cash flow or funding larger purchases without needing to apply for multiple loans. If you're considering refinancing or want to check your eligibility for any of our loan products, please visit our website for more information: Financial Resources. Our branch located at 1000 Us Highway 202 Raritan Nj 08869 is ready to assist you. Feel free to reach out via phone at 908-218-7661 during our lobby hours on Monday and Wednesday from 10:30 AM - 2:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. No matter what your financial aspirations are, Financial Resources is here to provide support every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $53,402,346, make buying or refinancing simple. We provide competitive rates and knowledgeable support to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $7,055,265 in loans helping members manage their finances effectively. Whether it's for everyday purchases or unexpected costs, our credit card options are designed to suit your lifestyle.

Loan Aggregator

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FINANCIAL RESOURCES FEDERAL CREDIT UNION - Raritan, NJ