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
3.24% APY**
Minimum Deposit: $100,000.00
JUMBO+ 4-Month SHARE Certificate
3.29% APY**
Minimum Deposit: $100,000.00
$50,000.00 New Money Required
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 and JUMBO+ Share Certificate Terms and Conditions
**APY = Annual Percentage Yield. Minimum opening deposit of $100,000 required to open and maintain APY. New money totaling a minimum of $50,000.00 required to receive dividend rate for JUMBO+ 4-Month Certificate. PFCU membership required. Dividends are compounded daily and posted monthly. Early withdrawal penalty is the lesser of 90 days dividends or dividends year-to-date. Fees may reduce earnings. Rates valid as of 2/13/2026. Rates and terms are subject to change without prior notice. Other deposit products, rates, and services are also available. Princeton FCU is not responsible for any errors or misrepresentations. Insured by NCUA. Equal Housing Lender.
Share Certificates Terms and Conditions
**APY = Annual Percentage Yield. Minimum deposit of $1,000 required. Princeton FCU membership required. Dividends are compounded daily and posted monthly. Early withdrawal penalty is the lesser of 90 days dividends or dividends year-to-date. Fees may reduce earnings. 13 Month Certificate rate of 3.61% APY is valid as of 2/13/2026 and is subject to change prior to account opening. Other deposit products, rates, and services are also available. Princeton FCU is not responsible for any errors or misrepresentations.