Let Your Money Earn You Money
Let your money earn you money with certificates! Credit unions exist for our members, not for shareholders, and average Share Certificate rates at credit unions nationwide are almost an entire percentage point higher than bank CD rates as of Q4 2023 (Source: NCUA). YOU get to benefit!
What is the difference between a Share Certificate and a Certificate of Deposit (CD)?
The Difference: Credit: Certificates from credit unions pay discretionary dividends. Certificates of Deposit pay guaranteed interest.
Certificate Specials
13 Month % APY** | 4 Month % APY**
Minimum deposit $1,000
Strong rates so your balances GROW
Protection from market volatility
Set this up in minutes
Prospective members - Call us today at (609) 945-6200 Option 4 or Visit In-Person at our friendly branch at 774 Alexander Road in Princeton
Existing members - you can set this up in our online banking
JUMBO SHARE
CERTIFICATES
Take advantage of Princeton Federal Credit Union’s BEST RATES with JUMBO 4-Month Share Certificates!
These are FAST and EASY to set up. Call PFCU Member Services at 609-945-6200 Option 4, and a friendly human will gladly assist you.
JUMBO 4-Month SHARE Certificate
4.09% APY*
Minimum Deposit: $100,000.00
JUMBO+ 4-Month SHARE Certificate
4.14% APY*
Minimum Deposit: $100,000.00
**$50,000.00 New Money Required
JUMBO Share Certificate Terms and Conditions
*APY= Annual Percentage Yield. Rates effective as of September 9, 2025 and are subject to change at any time. Must be a Princeton FCU member in good standing. Minimum deposit $100,000.00 for all JUMBO 4-Month Certificates; New money totaling at least $50,000.00 required to receive dividend rate(s) for JUMBO+ 4-Month Certificate. Insured by NCUA.
Share Certificate Rates & Terms
Share Certificates
| Term | Minimum Balance To Open and Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|
| 3 Months | $1,000.00 | % | % |
| 4 Months SPECIAL | $1,000.00 | % | % |
| 6 Months | $1,000.00 | % | % |
| 9 Months | $1,000.00 | % | % |
| 12 Months | $1,000.00 | % | % |
| 13 Months SPECIAL | $1,000.00 | % | % |
| 18 Months | $1,000.00 | % | % |
| 24 Months | $1,000.00 | % | % |
| 36 Months | $1,000.00 | % | % |
| 48 Months | $1,000.00 | % | % |
| 60 Months | $1,000.00 | % | % |
JUMBO Share Certificates
| Term | Minimum Balance To Open and Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|
| 4 Months JUMBO | $100,000.00 | % | % |
| 4 Months JUMBO + | $100,000.00 ($50,000.00 NEW MONEY Required) | % | % |
JUMBO Share Certificate Terms and Conditions
Rates effective as of September 9, 2025 and are subject to change at any time. Must be a Princeton FCU member in good standing. Minimum deposit $100,000.00 for all JUMBO 4-Month Certificates; New money totaling at least $50,000.00 required to receive dividend rate(s) for JUMBO+ 4-Month Certificate. Insured by NCUA.
Share Certificates Terms and Conditions
** APY = Annual Percentage Yield. Rates are accurate as of September 9, 2025. Minimum required opening balance deposit of $1,000 online and in branch for Share Certificate Specials (4-Month and 13-Month). Interest is compounded daily and credited monthly. Early withdrawal penalty is the lesser of 90 days dividends or dividends earned year-to-date. Fees may reduce earnings. Other deposit products, rates, services, and terms are also available. Must be a Princeton Federal Credit Union "PFCU" member in good standing. Rates and terms subject to change without prior notice. PFCU is not responsible for any typographical errors or misrepresentations. Federally insured by NCUA. Equal Housing Lender.