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 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 Certificate and a Certificate of Deposit (CD)?

The Difference: Credit unions call the account a Certificate and the banks identify the account as a CD.

Certificate Specials

13 Month 3.03% APY* | 4 Month 4.04% 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 SAVINGS

CERTIFICATES

Take advantage of Princeton Federal Credit Union’s BEST RATES with JUMBO 4-Month Savings 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 Savings Certificate

4.24% APY*

Minimum Deposit: $100,000.00

JUMBO+ 4-Month Savings Certificate

4.29% APY*

Minimum Deposit: $100,000.00

**$50,000.00 New Money Required

Jumbo Savings Certificate Terms and Conditions

*APY= Annual Percentage Yield. Rates effective as of February 6, 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.

Savings Certificate Rates & Terms

Savings Certificates

  
      Term
      Minimum Balance To Open and Obtain APY**
      Dividend Rate
      APY**
    

  
    3 Months
    $1,000.00
    2.37%
    2.40%

    4 Months SPECIAL
    $1,000.00
    3.96%
    4.04%

    6 Months
    $1,000.00
    2.42%
    2.45%

    9 Months
    $1,000.00
    2.47%
    2.50%

    12 Months
    $1,000.00
    2.76%
    2.80%

    13 Months SPECIAL
    $1,000.00
    2.99%
    3.03%

    18 Months
    $1,000.00
    1.49%
    1.50%

    24 Months
    $1,000.00
    1.49%
    1.50%

    36 Months
    $1,000.00
    1.00%
    1.00%

    48 Months
    $1,000.00
    1.00%
    1.00%

    60 Months
    $1,000.00
    1.00%
    1.00%

JUMBO Savings Certificates

  
      Term
      Minimum Balance To Open and Obtain APY**
      Dividend Rate
      APY**
    

  
      4 Months JUMBO
      $100,000.00
      4.15%
      4.24%
    

      4 Months JUMBO +
      $100,000.00 
($50,000.00 NEW MONEY Required)
      4.20%
      4.29%
    

Jumbo Savings Certificate Terms and Conditions

Savings Certificates Terms and conditions

*APY Annual Percentage Yield. Rates effective as of December 27, 2024 and are subject to change at any time. Minimum deposit $1,000. The penalty for early withdrawal is the lesser of 90 days dividends or dividends year-to-date. Must be a PFCU member in good standing. Dividend amount per $1,000 on 13 Month at maturity ≈ $33.05, on 4 Month at maturity ≈ $13.21. PFCU reserves the right to end this promotion at any time. Please note, fees could reduce the earnings on your account(s). Insured by NCUA.

Truth In Savings Disclosure