A radio frequency (chart1, 1, 11) transceiver of the type having at least one radio frequency integrated chip (1), a reference oscillator (chart2, 80) and a phase-locked oscillator (chart2, 82), utilizes non-crystal resonator structures in place of crystal oscillators to produce the reference oscillator frequency functionality and the phase-locked oscillator frequency functionality. Film bulk acoustic resonator (FBAR) structures including bulk acoustic wave (BAW) resonators are monolithically integrated or flip chipped with the RFIC to reduce size, weight and cost of the transceiver. The RF transceiver may be a TDMA or CDMA transceiver.