At a glance
From its website, read 2 Nov 2026Financial Resources Federal Credit Union is a credit union based in Branchburg, New Jersey. Its website describes auto loans, home repair loans and personal loans. The consumer loan APR it states is 6.99%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.myfinancialresources.org |
| Office (official list) | 3040 US 22 West Building 2, Branchburg, NJ 08876 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Credit-builder loans | Rate: 6.99% APR | Low Fixed Rate of 6.99% APR | source |
| Auto / vehicle loans | Term: see their wording | Up to 84 Months | source |
| Credit-builder loans | Term: up to 2 yr | Up to 24 months | source |
| Personal / consumer loans | Term: see their wording | Up to 60 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Membership eligibility required.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 10 Jan 2022 |
| RSSD ID | 870481 |
| Address | 3040 US 22 West Building 2, Branchburg, NJ 08876 Directions (Google Maps) |
| Website | www.myfinancialresources.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Business lending products are not described on the fetched pages beyond a contact page. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | 12welve Auto Loans (60-month Auto Loan Program) | source |
| Home repair / improvement loans | — | Home Improvement | source |
| Personal / consumer loans | $500 – $20,000 | Loan amounts between $500 and $20,000. | source |
Loan sizes
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now
source
Pages read (7)
- https://myfinancialresources.org/
- https://myfinancialresources.org/home/borrow/rates/
- https://myfinancialresources.org/home/borrow/rates-deposits/
- https://myfinancialresources.org/home/eservices/forms/contact-a-loan-officer/
- https://myfinancialresources.org/home/eservices/forms/contact-business-lending/
- https://myfinancialresources.org/home/eservices/forms/contact-a-financial-advisor/
- https://myfinancialresources.org/stock-loans/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$625,000 in 1 award from the U.S. Treasury's CDFI Fund, 2024 (CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $625,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as FINANCIAL RESOURCES (charter 6665). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $659 million (as of 30 Jun 2026) |
|---|---|
| Members | 30,848 (as of 30 Jun 2026) |
| Offices | 10 (as of 30 Jun 2026) |
Offices by state and county (10)
New Jersey (10 offices)
- Hudson County (1): 525 Washington Blvd, Jersey City 07310
- Hunterdon County (1): 67 Church St, Flemington 08822
- Mercer County (1): 1125 Bear Tavern Rd, Titusville 08560
- Middlesex County (2): 263 Route 22, Green Brook 08812; 1 Johnson And Johnson Plz, New Brunswick 08901
- Somerset County (4): 3040 US Highway 22 Bldg 2, Branchburg 08876 (main office); 1000 US Highway 202, Raritan 08869; 1001 US Highway 202, Raritan 08869; 780 Easton Ave, Somerset 08873
- Union County (1): 10-12 S Broad St, Elizabeth 07202
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Financial Resources Federal Credit Union (NCUA charter 6665, filed as “FINANCIAL RESOURCES”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $519.9 million, 13,482 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 3.7% from $501.2 million on 30 Jun 2025 |
| Members | 30,848 (as of 30 Jun 2026); 29,507 (as of 30 Jun 2025) |
| Loans per member | $16,855 (total loans divided by members, 30 Jun 2026) |
| Total assets | $659 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $7.6 million | 1.5% |
| Used vehicle loans | $32.6 million | 6.3% |
| First-lien home mortgages (1-4 family) | $262 million | 50.4% |
| Other real estate loans (junior liens, other) | $66.2 million | 12.7% |
| Commercial (business) loans | $109.5 million | 21.1% |
| Credit cards | $6.6 million | 1.3% |
| Other unsecured loans | $30.2 million | 5.8% |
| Leases and other secured loans | $5.2 million | 1.0% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Financial Resources Federal Credit Union reported 130 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $47.8M (median loan about $360,000). 55 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 55 | 42% |
| Refinance (incl. cash-out) | 40 | 31% |
| Home improvement | 17 | 13% |
| Other purpose | 18 | 14% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 130 | 100% |
Where the loans were made
Counties with the most 2025 originations, out of 46 counties with at least one; 68% of its 2025 loans were for properties in New Jersey:
- Middlesex County, NJ (20)
- Somerset County, NJ (20)
- Hunterdon County, NJ (12)
- Monmouth County, NJ (8)
- Bucks County, PA (6)
- Hudson County, NJ (5)
- Mercer County, NJ (5)
- Contra Costa County, CA (3)
Filed under LEI 549300US45HOXL30J494 as “FINANCIAL RESOURCES FEDERAL CR”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $1,080,500 (110 loans) | All 7(a) lenders in New Jersey: $150,000. Larger than the median loan of 98% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 2.25 pts, half between 2.25 pts and 2.75 pts (57 loans; 0% at the SBA maximum) | All lenders in New Jersey: median 3 pts, 12% at the maximum (5,639 loans). |
| Total assets (Call Report, 30 Jun 2026) | $659 million | Larger than 74% of the 284 other certified credit unions nationwide (median $181.2 million). |
| Loans as a share of assets | 79% | Median of the same 284 credit unions: 69%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $501.2 million → $519.9 million (+4%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 66 → 69. |
| Home loans originated in 2025 (HMDA) | 130 | More than 54% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 98% |
| Rate over prime | all variable-rate 7(a) loans in New Jersey, FY2024–26 | 5,639 | median 2.25 pts vs 3 pts |
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 74% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 66 → 69 of 283 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 54% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 111 SBA-backed approvals for Financial Resources Federal Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 110 7(a) loans as the lender: $180M in total (gross amount approved), median $1.1M
- 1 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 12 · FY2021 15 · FY2022 7 · FY2023 20 · FY2024 15 · FY2025 18 · FY2026 24.
What actually happened
- Size of its 7(a) loans: half were between $492,500 and $2.2M, median $1.1M (110 loans)
- Term of its 7(a) loans: median 122 months (10 years) (110 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 9.50%, half between 9.00% and 9.75% (42 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 2% of its 7(a) loans had a fixed rate (110 loans)
- Young businesses: 28% of its 7(a) loans went to a startup or a business two years old or less (109 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (101, 91%)
- 7(a) SBA Express (8, 7%)
- 7(a) working-capital and trade lines (1, 1%)
- 504 projects (as the third-party lender) (1, 1%)
Borrower industries
NAICS sector, 3 or more loans.
- Retail trade (42)
- Accommodation and food services (12)
- Professional, scientific, and technical services (9)
- Construction (9)
- Other services (except public administration) (8)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Middlesex County, NJ (13)
- Union County, NJ (7)
- Passaic County, NJ (6)
- Cumberland County, NJ (5)
- Bucks County, PA (5)
- Essex County, NJ (5)
- Delaware County, PA (5)
- New York County, NY (4)
- Bergen County, NJ (4)
- Atlantic County, NJ (4)
- Mercer County, NJ (4)
- Warren County, NJ (3)
- Camden County, NJ (3)
- Monmouth County, NJ (3)
- Somerset County, NJ (3)
- Kings County, NY (3)
- Lehigh County, PA (3)
- Sussex County, NJ (3)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Financial Resources Federal Credit Union”); NCUA charter 6665, found through the RSSD ID in NCUA records (SBA lists “Financial Resources Federal Credit Union”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Financial Resources Federal Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Branchburg and New Jersey
- 1ST Bergen Federal Credit UnionCredit union · Hackensack, NJAuto / vehicle loans, Credit-builder loans, Microloans, Personal / consumer loans…Verified
- Cooperative Business Assistance Corp, TheLoan fund · Camden, NJMicroloans, Small-business loansVerified
- Cumberland Empowerment Zone CorporationLoan fund · Millville, NJMicroloans, Small-business loansVerified
- Eastern American Economic Development CorporationLoan fund · Palisades Park, NJCommercial real estate loans, Microloans, Home mortgages, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Entertainment Industries FCUCredit union · Elizabeth, NJAuto / vehicle loans, Home mortgagesVerified
- Greater Newark Enterprises CorporationLoan fund · Newark, NJSmall-business loansVerified
Work at Financial Resources Federal Credit Union? Link to this page
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