Credit union · NCUA insured
Princeton Federal Credit Union Savings Rates
Princeton Federal Credit Union’s best savings rate is 1.25% APY on $10,000, with its Money Market Plus. Rates checked October 22, 2026.
How Princeton Federal Credit Union’s savings 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
1.25%APY
- Minimum
- $7,500
- Earns on $10,000 a year
- $125
Money Market Plus
Top rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Altra Federal Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
Princeton Federal Credit Union savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0001.25%
- QualifiedQualified1.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Plus
1.25%APY
Membership in good standing required. Tiered dividend rates compounded and posted monthly. No monthly service fees. Unlimited monthly transactions.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $7,500$7,500 to open | 0.03% | $7,500 | — | |
| $7,500 and up$0 to open | 1.25% | $0 | $125 | |
| $7,500 and upMinimum daily balance required to earn the annual percentage yield disclosed for the dividend period. Dividends compounded monthly, credited monthly. · $7,500 to open | 1.25% | $7,500 | $125 | Minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. Dividends compounded monthly, credited monthly. |
Sources (3)
- princetonfcu.org/money-market-accounts
- princetonfcu.org/dividend-share-certificate-rates
- princetonfcu.org/s/Form_Type_TIS_Share__Transaction.pdf
All captured Oct 22, 2026
Money Market
Up to 0.15%APY
Membership in good standing required. Tiered dividend rates compounded and posted monthly. No monthly service fees. Unlimited monthly transactions.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500 | 0.03% | — | |
| $2,500 – $10,000 | 0.05% | — | |
| $2,500 and upMinimum daily balance required to earn the annual percentage yield disclosed for the dividend period. Dividends compounded monthly, credited monthly. | 0.05% | $5 | Minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. Dividends compounded monthly, credited monthly. |
| $10,000 and up | 0.15% | $15 |
Sources (3)
- princetonfcu.org/money-market-accounts
- princetonfcu.org/dividend-share-certificate-rates
- princetonfcu.org/s/Form_Type_TIS_Share__Transaction.pdf
All captured Oct 22, 2026
Payable On Death Account
0.03%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.03% | $3 |
Sources (1)
- princetonfcu.org/dividend-share-certificate-rates · captured Oct 4, 2026
Savings Account
0.03%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.03% | $3 |
Sources (3)
- princetonfcu.org/savings-account-princeton
- princetonfcu.org/savings-accounts
- princetonfcu.org/dividend-share-certificate-rates
All captured Oct 4, 2026
Special-purpose accounts
IRA Savings Account
0.03%APY
Dividends are compounded and credited quarterly. Early withdrawal of funds from IRAs may be subject to IRS penalties.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.03% | $3 |
Sources (2)
All captured Oct 4, 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.