A fuel cell assembly is disclosed, the fuel cell assembly including a plurality of fuel cell plates arranged in a stack, each fuel cell plate having reactant inlets and outlets and a coolant inlet and outlet; a first terminal plate disposed at a first end of the stack of the fuel cell plates; and a barrier layer disposed between one of the plurality of fuel cell plates and the first terminal plate to provide a thermal barrier therebetween, wherein the barrier layer includes a first portion having a first thermal conductivity and a second portion having a second thermal conductivity.