Last Updated September 9, 2025
Savings Account Rate & Terms
| Minimum Balance To Open | Minimum Balance to Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|
| $0.00 | $0.00 | % | % |
Payable On Death Account Rate & Terms
| Minimum Balance To Open | Minimum Balance to Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|
| $5.00 | $5.00 | % | % |
IRA Savings account Rates & Terms
| Minimum Balance To Open | Minimum Balance to Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|
| $0.00 | $0.00 | % | % |
Rates are subject to change without notice and are effective as of today's date listed at the top of this page. Please note – fees could reduce the earnings on your account(s). Early withdrawal of funds from IRAs may be subject to IRS penalties.
Checking Account Rate & Terms
| Minimum Balance to Open & Maintain APY** | Dividend Rate | APY** |
|---|---|---|
| $0.00 | % | % |
Money Market Account Rates & Terms
*APY = Annual Percentage Yield. Rate effective as of October, 21, 2024 and are subject to change without notice.
| Minimum Balance To Open | Minimum Balance to Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|
| $2,500.00 | $0 - $2,499.99 | % | % |
| $2,500.00 | $2,500 - $9,999.99 | % | % |
| $2,500.00 | $10,000.00 | % | % |
Money Market Plus Rates & Terms
**APY = Annual Percentage Rate. Terms and Conditions are subject to change. Rates effective as of November 20, 2024 and are subject to change at any time.
| Minimum Balance To Open | Minimum Balance to Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|
| $7,500.00 | $0 - $7,499.99 | % | % |
| $0 | $7,500 & up | % | % |
Savings Certificate Rates & Terms
| 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 | % | % |
**APY = Annual Percentage Yield. Rates are accurate as of September 1, 2025. Minimum required opening balance deposit of $1,000 online and in branch for Savings 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.
JUMBO Savings Certificate Rates & Terms
| 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) | % | % |
Youth, Teen, Young Adult Certificates Rates & Terms
Youth (12 & Under), Teen (13-17), Young Adult (18-24)
| Term | Minimum Balance To Open | Minimum Balance To Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|---|
| 3 Months | $100.00 | $100.00 | % | % |
| 4 Months SPECIAL | $1,000.00 | $1,000.00 | % | % |
| 6 Months | $100.00 | $100.00 | % | % |
| 9 Months | $100.00 | $100.00 | % | % |
| 12 Months | $100.00 | $100.00 | % | % |
| 13 Months SPECIAL | $1,000.00 | $1,000.00 | % | % |
| 18 Months | $100.00 | $100.00 | % | % |
| 24 Months | $100.00 | $100.00 | % | % |
| 36 Months | $100.00 | $100.00 | % | % |
| 48 Months | $100.00 | $100.00 | % | % |
| 60 Months | $100.00 | $100.00 | % | % |
Add-ons permitted during the term of certificate (min. $100)
Rates subject to change
Must be a PFCU member in good standing
The penalty for early withdrawal is the lesser of 90 days dividends or dividends year-to-date
IRA Certificate Rates & Terms
| Term | Minimum Balance To Open | Minimum Balance To Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|---|
| 3 Months | $1,000.00 | $1,000.00 | % | % |
| 4 Months SPECIAL | $1,000.00 | $1,000.00 | % | % |
| 6 Months | $1,000.00 | $1,000.00 | % | % |
| 9 Months | $1,000.00 | $1,000.00 | % | % |
| 12 Months | $1,000.00 | $1,000.00 | % | % |
| 13 Months SPECIAL | $1,000.00 | $1,000.00 | % | % |
| 18 Months | $1,000.00 | $1,000.00 | % | % |
| 24 Months | $1,000.00 | $1,000.00 | % | % |
| 36 Months | $1,000.00 | $1,000.00 | % | % |
| 48 Months | $1,000.00 | $1,000.00 | % | % |
| 60 Months | $1,000.00 | $1,000.00 | % | % |
*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 Savings 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.