Credit union · NCUA insured
Princeton Federal Credit Union CD Rates
Princeton Federal Credit Union’s best CD rate is 4.25% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Princeton Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Trenton, NJ, where Princeton Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Princeton Federal Credit Union
4.09%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $444
Share Certificates
Top rate
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
2nd-highest rate
First Commerce Bank
4.50%APY
- Term
- 17 months
- Minimum
- $1,000
- Earns on $10,000
- $643
Princeton Federal Credit Union CD score
81
CD score
Higher than 55% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo4.09%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.04%
- QualifiedQualified4.09%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Princeton Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
JUMBO Share Certificates
Up to 4.25%APY · 2 terms
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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months | 3.75% | — |
| 4 monthsJUMBO +; $50,000.00 NEW MONEY Required | 3.80% | — |
| 13 months | 4.20% | — |
| 13 monthsJUMBO +; $50,000.00 NEW MONEY Required | 4.25% | — |
Sources (2)
All captured Oct 22, 2026
Share Certificates
Up to 4.09%APY · 11 terms
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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.53% | $63 |
| 4 months4 Months SPECIAL | 3.40% | $112 |
| 6 months | 2.58% | $128 |
| 9 months | 2.63% | $197 |
| 12 months | 2.68% | $268 |
| 13 months13 Months SPECIAL | 4.09% | $444 |
| 18 months | 3.30% | $499 |
| 24 months | 3.30% | $671 |
| 36 months | 3.04% | $940 |
| 48 months | 2.78% | $1,159 |
| 60 months | 2.53% | $1,331 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
JUMBO Youth Certificates
Up to 4.35%APY · 2 terms
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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months | 3.85% | — |
| 4 monthsJUMBO + Youth; $50,000.00 NEW MONEY Required | 3.90% | — |
| 13 months | 4.30% | — |
| 13 monthsJUMBO + Youth; $50,000.00 NEW MONEY Required | 4.35% | — |
Sources (1)
- princetonfcu.org/dividend-share-certificate-rates · captured Oct 22, 2026
IRA Share Certificates
Up to 4.09%APY · 11 terms
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.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 2.53% | — | 2.53% | $63 |
| 4 months4 Months JUMBO + IRA; $50,000.00 NEW MONEY Required | — | 3.80% | —3.80% from $100k | — |
| 4 months4 Months JUMBO IRA | — | 3.75% | —3.75% from $100k | — |
| 4 months4 Months SPECIAL | 3.40% | — | 3.40% | $112 |
| 6 months | 2.58% | — | 2.58% | $128 |
| 9 months | 2.63% | — | 2.63% | $197 |
| 12 months | 2.68% | — | 2.68% | $268 |
| 13 months13 Months JUMBO + IRA; $50,000.00 NEW MONEY Required | — | 4.25% | —4.25% from $100k | — |
| 13 months13 Months JUMBO IRA | — | 4.20% | —4.20% from $100k | — |
| 13 months13 Months SPECIAL | 4.09% | — | 4.09% | $444 |
| 18 months | 3.30% | — | 3.30% | $499 |
| 24 months | 3.30% | — | 3.30% | $671 |
| 36 months | 3.04% | — | 3.04% | $940 |
| 48 months | 2.78% | — | 2.78% | $1,159 |
| 60 months | 2.53% | — | 2.53% | $1,331 |
Sources (2)
All captured Oct 22, 2026
Youth, Teen, Young Adult Share Certificates
Up to 3.72%APY · 11 terms
Available for Youth (12 & Under), Teen (13-17), Young Adult (18-24). Add-ons permitted during the term of certificate (min. $100). 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.
| Term | APY · $100 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 2.63% | — | 2.63% | $65 |
| 4 months4 Months SPECIAL | — | 3.50% | 3.50% | $115 |
| 6 months | 2.68% | — | 2.68% | $133 |
| 9 months | 2.73% | — | 2.73% | $204 |
| 12 months | 2.78% | — | 2.78% | $278 |
| 13 months13 Months SPECIAL | — | 3.72% | 3.72% | $404 |
| 18 months | 3.40% | — | 3.40% | $514 |
| 24 months | 3.40% | — | 3.40% | $692 |
| 36 months | 3.14% | — | 3.14% | $972 |
| 48 months | 2.88% | — | 2.88% | $1,203 |
| 60 months | 2.63% | — | 2.63% | $1,386 |
Sources (2)
All captured Oct 22, 2026
Who can join Princeton Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- All members of the Financial Fitness Association are eligible for membership.
- Employees or students of over 95 Select Employer/School Groups are eligible for membership.
Membership information collected October 5, 2026.