New ReportFall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%.Read the report
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Princeton Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
Princeton Federal Credit Union's 13 Month CD rates are at 4.09%, 4 Month CD rates are at 3.40%, CD 18 month rates are at 3.30%, CD 24 month rates are at 3.30%, CD 36 month rates are at 3.04%. Princeton Federal Credit Union's savings rates are at 0.03%. Princeton Federal Credit Union's money market rates are at 1.25%. Princeton Federal Credit Union's checking rates are as high as 0.01%. Princeton Federal Credit Union's Personal Loan Rates are as low as 9.75%. Princeton Federal Credit Union's Credit Card Rates are at 9.90%. Princeton Federal Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Princeton Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.28%. Rates last updated and verified on 10/29/2026.
Princeton Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Princeton Federal Credit Union? Share your experience about Princeton Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Princeton Federal Credit Union.
Princeton Federal Credit Union has earned an overall safety grade of A (Excellent, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Princeton Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
6.28%
ExcellentHigher than avg
Princeton Federal Credit Union Texas Ratio
Princeton Federal Credit Union's Texas Ratio is 6.28%, which is considered excellent and is higher than the national average of 6.13%.
Princeton Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.09% to 6.28% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Princeton Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
Share Certificate - 13 month JUMBO + IRA
4.17%
4.25%
13 Months
Min Deposit$100,000
Min Balance$100,000
DetailsJUMBO + IRA; $50,000.00 NEW MONEY Required
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Share Certificate - 13 month JUMBO IRA
4.12%
4.20%
13 Months
Min Deposit$100,000
Min Balance$100,000
DetailsJUMBO IRA
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
13 Month Share Certificate
-
4.09%
13 Months
Min Deposit$1,000
Min Balance$1,000
DetailsSPECIAL; Share Certificate Rates & Terms table; Dividend Rate 4.02%; minimum balance to open and obtain APY $1,000.00
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.09% ▲ 0.48 pts · high 4.09% / low 3.61%
Sep 25, 20264.09%▲ from 3.61%
Sep 14, 20263.61%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Share Certificate 13 month SPECIAL
4.02%
4.09%
13 Months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.09% ▲ 0.48 pts · high 4.09% / low 3.61%
Oct 9, 20264.09%▲ from 3.61%
Sep 14, 20263.61%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Share Certificate - 4 month JUMBO + IRA
3.74%
3.80%
4 Months
Min Deposit$100,000
Min Balance$100,000
DetailsJUMBO + IRA; $50,000.00 NEW MONEY Required
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
JUMBO 4-Month Share Certificate
-
3.75%
4 Months
Min Deposit$100,000
Min Balance$100,000
DetailsJumbo; Minimum Deposit: $100,000.00; APY only shown
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Share Certificate - 4 month JUMBO IRA
3.69%
3.75%
4 Months
Min Deposit$100,000
Min Balance$100,000
DetailsJUMBO IRA
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Youth, Teen, Young Adult Share Certificate - 4 month SPECIAL
3.45%
3.50%
4 Months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
4 Month Share Certificate
-
3.40%
4 Months
Min Deposit$1,000
Min Balance$1,000
DetailsSPECIAL; Share Certificate Rates & Terms table; Dividend Rate 3.35%; minimum balance to open and obtain APY $1,000.00
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
Sep 25, 20263.40%▲ from 3.15%
Sep 14, 20263.15%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Share Certificate 4 month SPECIAL
3.35%
3.40%
4 Months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
Oct 9, 20263.40%▲ from 3.15%
Sep 14, 20263.15%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Youth, Teen, Young Adult Share Certificate - 18 month
3.35%
3.40%
18 Months
Min Deposit$100
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Youth, Teen, Young Adult Share Certificate - 24 month
3.35%
3.40%
24 Months
Min Deposit$100
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Share Certificate 18 month
3.25%
3.30%
18 Months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 1.50% → 3.30% ▲ 1.80 pts · high 3.30% / low 1.50%
Sep 25, 20263.30%▲ from 1.50%
Sep 14, 20261.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Share Certificate 24 month
3.25%
3.30%
24 Months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 1.50% → 3.30% ▲ 1.80 pts · high 3.30% / low 1.50%
Sep 25, 20263.30%▲ from 1.50%
Sep 14, 20261.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Youth, Teen, Young Adult Share Certificate - 36 month
3.10%
3.14%
36 Months
Min Deposit$100
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.14% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Share Certificate 36 month
3.00%
3.04%
36 Months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 1.00% → 3.04% ▲ 2.04 pts · high 3.04% / low 1.00%
Sep 25, 20263.04%▲ from 1.00%
Sep 14, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Youth, Teen, Young Adult Share Certificate - 48 month
2.85%
2.88%
48 Months
Min Deposit$100
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.88% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Share Certificate 48 month
2.75%
2.78%
48 Months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 1.00% → 2.78% ▲ 1.78 pts · high 2.78% / low 1.00%
Sep 25, 20262.78%▲ from 1.00%
Sep 14, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Youth, Teen, Young Adult Share Certificate - 12 month
2.75%
2.78%
12 Months
Min Deposit$100
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.78% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Youth, Teen, Young Adult Share Certificate - 9 month
2.70%
2.73%
9 Months
Min Deposit$100
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.73% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Share Certificate 12 month
2.65%
2.68%
12 Months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 2.45% → 2.68% ▲ 0.23 pts · high 2.68% / low 2.45%
Sep 25, 20262.68%▲ from 2.45%
Sep 14, 20262.45%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Youth, Teen, Young Adult Share Certificate - 6 month
2.65%
2.68%
6 Months
Min Deposit$100
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.68% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Share Certificate 9 month
2.60%
2.63%
9 Months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 2.40% → 2.63% ▲ 0.23 pts · high 2.63% / low 2.40%
Sep 25, 20262.63%▲ from 2.40%
Sep 14, 20262.40%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Youth, Teen, Young Adult Share Certificate - 3 month
2.60%
2.63%
3 Months
Min Deposit$100
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.63% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Youth, Teen, Young Adult Share Certificate - 60 month
2.56%
2.63%
60 Months
Min Deposit$100
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.63% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Share Certificate 6 month
2.55%
2.58%
6 Months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 2.35% → 2.58% ▲ 0.23 pts · high 2.58% / low 2.35%
Sep 25, 20262.58%▲ from 2.35%
Sep 14, 20262.35%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Share Certificate 3 month
2.50%
2.53%
3 Months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 2.30% → 2.53% ▲ 0.23 pts · high 2.53% / low 2.30%
Sep 25, 20262.53%▲ from 2.30%
Sep 14, 20262.30%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Share Certificate 60 month
2.50%
2.53%
60 Months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 1.00% → 2.53% ▲ 1.53 pts · high 2.53% / low 1.00%
Sep 25, 20262.53%▲ from 1.00%
Sep 14, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Princeton Federal Credit Union Savings Rates
Product
Rate
APY
View More
IRA Savings Account
0.03%
0.03%
Min Deposit$0
Min Balance$0
DetailsEarly withdrawal of funds from IRAs may be subject to IRS penalties.
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.03% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
PFCU Savings Account
0.03%
0.03%
Min Deposit$5
Min Balance$5
DetailsDividend Rate 0.03%; rate subject to change at any time without notice
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.03% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Savings Account
0.03%
0.03%
Min Deposit$0
Min Balance$0
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Princeton Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Plus
1.25%
1.25%
Min Deposit$0
Min Balance$7,500
DetailsBalance: $7,500 & up
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 1.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Money Market Plus
0.03%
0.03%
Min Deposit$7,500
Min Balance$0
DetailsBalance: $0 - $7,499.99
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Princeton Federal Credit Union Checking Rates
Product
Rate
APY
View More
Checking Account
0.01%
0.01%
Min Deposit$0
Min Balance$0
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Princeton Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan - 1st Lien
-
-
5.99%
60 months
DetailsAs Low As; Lien: 1st; LTV: up to 75%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 1st Lien
-
-
6.24%
120 months
DetailsAs Low As; Lien: 1st; LTV: up to 75%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 1st Lien
-
-
6.24%
60 months
DetailsAs Low As; Lien: 1st; LTV: 80%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 1st Lien
-
-
6.49%
120 months
DetailsAs Low As; Lien: 1st; LTV: 80%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 2nd Lien
-
-
6.49%
60 months
DetailsAs Low As; Lien: 2nd; LTV: up to 75%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 1st Lien
-
-
6.74%
180 months
DetailsAs Low As; Lien: 1st; LTV: up to 75%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 2nd Lien
-
-
6.74%
120 months
DetailsAs Low As; Lien: 2nd; LTV: up to 75%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 2nd Lien
-
-
6.74%
60 months
DetailsAs Low As; Lien: 2nd; LTV: 80%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 1st Lien
-
-
6.99%
240 months
DetailsAs Low As; Lien: 1st; LTV: up to 75%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 2nd Lien
-
-
6.99%
120 months
DetailsAs Low As; Lien: 2nd; LTV: 80%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 2nd Lien
-
-
7.99%
180 months
DetailsAs Low As; Lien: 2nd; LTV: 80%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 2nd Lien
-
-
7.99%
60 months
DetailsAs Low As; Lien: 2nd; LTV: 85%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 2nd Lien
-
-
8.24%
180 months
DetailsAs Low As; Lien: 2nd; LTV: up to 75%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 8.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 2nd Lien
-
-
8.24%
120 months
DetailsAs Low As; Lien: 2nd; LTV: 85%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 8.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 2nd Lien
-
-
8.49%
240 months
DetailsAs Low As; Lien: 2nd; LTV: 80%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 8.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 2nd Lien
-
-
8.74%
240 months
DetailsAs Low As; Lien: 2nd; LTV: up to 75%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 8.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 2nd Lien
-
-
8.74%
180 months
DetailsAs Low As; Lien: 2nd; LTV: 85%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 8.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Home Equity Loan - 2nd Lien
-
-
9.24%
240 months
DetailsAs Low As; Lien: 2nd; LTV: 85%; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $1,000,000.00; add .50% APR if payment is not auto deducted from PFCU checking with full direct deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 9.24% APR · checked 2 times
1 change since Sep 17, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74%
Oct 13, 20266.99%▲ from 6.74%
Sep 17, 20266.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Auto Loans
-
-
7.24%
84 months
DetailsAs Low As; Model Year: 2023 or newer; Borrow $5,000.00 - $100,000.00; Max term 84 months
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Auto Loans
-
-
7.49%
60 months
DetailsAs Low As; Model Year: 2016 to 2022; Borrow $5,000.00 - $100,000.00; Max term 60 months
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Auto Loans
-
-
7.74%
72 months
DetailsAs Low As; Model Year: 2016 to 2022; Borrow $5,000.00 - $100,000.00; Max term 72 months
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Princeton Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
VISA Credit Card
-
9.90%
DetailsAs Low As; Min. amount to borrow $500.00; Max. amount to borrow $20,000.00; Max. term: Revolving; Payment per $1,000: 3% of balance; Rate based on creditworthiness
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 9.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Princeton Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Line of Credit
9.75%
Revolving
DetailsAs Low As; Min. amount to borrow $500.00; Max. amount to borrow $60,000.00; Payment: 3% of balance; Add .50% APR if payment is not auto-deducted from checking with full direct deposit into checking with PFCU
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 9.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Personal Loan - 12 Months
9.75%
12 months
DetailsAs Low As; Borrow $500.00 - $60,000.00; Add .50% APR if payment is not auto-deducted from checking with full direct deposit into PFCU checking
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Personal Loan - 24 Months
9.75%
24 months
DetailsAs Low As; Borrow $1,000.00 - $60,000.00; Add .50% APR if payment is not auto-deducted from checking with full direct deposit into PFCU checking
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Personal Loan - 36 Months
9.75%
36 months
DetailsAs Low As; Borrow $3,000.00 - $60,000.00; Add .50% APR if payment is not auto-deducted from checking with full direct deposit into PFCU checking
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Personal Loan - 48 Months
9.75%
48 months
DetailsAs Low As; Borrow $5,000.00 - $60,000.00; Add .50% APR if payment is not auto-deducted from checking with full direct deposit into PFCU checking
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Personal Loan - 60 Months
9.75%
60 months
DetailsAs Low As; Borrow $7,000.00 - $60,000.00; Add .50% APR if payment is not auto-deducted from checking with full direct deposit into PFCU checking
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Personal/ Unsecured Line of Credit
9.75%
Revolving
DetailsAs Low As; Min. amount to borrow: $500.00; Max. amount to borrow: $60,000.00; Payment: 3% of balance
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Personal/ Unsecured Loan
9.75%
12 months
DetailsAs Low As; Min. amount to borrow: $500.00; Max. amount to borrow: $60,000.00; add .50% APR if payment is not auto deducted from checking account with full direct deposit into the checking account with PFCU
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 9.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Personal/ Unsecured Loan
9.75%
24 months
DetailsAs Low As; Min. amount to borrow: $1,000.00; Max. amount to borrow: $60,000.00; add .50% APR if payment is not auto deducted from checking account with full direct deposit into the checking account with PFCU
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 9.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Personal/ Unsecured Loan
9.75%
36 months
DetailsAs Low As; Min. amount to borrow: $3,000.00; Max. amount to borrow: $60,000.00; add .50% APR if payment is not auto deducted from checking account with full direct deposit into the checking account with PFCU
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 9.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Personal/ Unsecured Loan
9.75%
48 months
DetailsAs Low As; Min. amount to borrow: $5,000.00; Max. amount to borrow: $60,000.00; add .50% APR if payment is not auto deducted from checking account with full direct deposit into the checking account with PFCU
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 9.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Personal/ Unsecured Loan
9.75%
60 months
DetailsAs Low As; Min. amount to borrow: $7,000.00; Max. amount to borrow: $60,000.00; add .50% APR if payment is not auto deducted from checking account with full direct deposit into the checking account with PFCU
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 9.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Princeton Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Payable On Death Account
0.03%
-
0.03%
Min Deposit$5
Min Balance$5
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Financial Health History
Princeton Federal Credit Union’s Texas Ratio rose from 4.09% in Q3 2023 to 6.28% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$169M
6.28%
5.0
A
March 31, 2026
$171M
5.00%
5.0
A+
December 31, 2025
$172M
4.10%
5.0
A+
September 30, 2025
$170M
2.91%
5.0
A+
June 30, 2025
$177M
1.77%
5.0
A+
March 31, 2025
$173M
1.18%
5.0
A+
December 31, 2024
$171M
1.93%
5.0
A+
September 30, 2024
$170M
4.31%
5.0
A+
June 30, 2024
$165M
5.76%
5.0
A+
March 31, 2024
$177M
3.22%
5.0
A+
December 31, 2023
$169M
4.77%
5.0
A+
September 30, 2023
$167M
4.09%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Princeton Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Princeton Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Princeton Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,679,760
Total Uninsured Shares and Deposits > $250K (F+J)
15,679,760
Total Insured Shares and Deposits > $250K (item 17 less item K)
136,091,162
Total Interest Expense (Sum of items 6 8)
966,132
Share Certificates
1,191
Number of Accounts for Share Drafts
4,758
IRA KEOGH Accounts
97
Number of Accounts for Regular Shares
9,237
Money Market Shares
389
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,973,037
Total Liabilities
154,790,928
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Princeton Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Princeton Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Princeton Federal Credit Union
Frequently Asked Questions About Princeton Federal Credit Union
Does Princeton Federal Credit Union offer CDs?
Yes. Princeton Federal Credit Union current CD rates include its 13 Month CD at 4.09% APY, its 4 Month CD at 3.40% APY and its CD 18 month at 3.30% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Princeton Federal Credit Union NCUA insured?
Yes. Princeton Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Princeton Federal Credit Union?
The highest Princeton Federal Credit Union CD rate is its CD - 13 month JUMBO + IRA at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Princeton Federal Credit Union offer?
Princeton Federal Credit Union CD rates are 3.40% APY for a 4 month CD, 2.68% APY for a 12 month CD, 4.09% APY for a 13 month CD, 3.30% APY for an 18 month CD, 3.30% APY for a 2 year CD, 3.04% APY for a 3 year CD and 2.53% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Princeton Federal Credit Union for its full lineup.
What is the highest savings rate at Princeton Federal Credit Union?
The highest Princeton Federal Credit Union savings rate is its IRA Savings Account at 0.03% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Princeton Federal Credit Union?
The highest Princeton Federal Credit Union money market rate is its Money Market Plus at 1.25% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Princeton Federal Credit Union?
The highest Princeton Federal Credit Union checking rate is its Checking Account at 0.01% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Princeton Federal Credit Union?
The lowest Princeton Federal Credit Union auto loan rate is its Auto Loans at 6.49% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Princeton Federal Credit Union?
The lowest Princeton Federal Credit Union personal loan rate is its Personal Line of Credit at 9.75% APR, verified by MonitorBankRates as of October 29, 2026. Princeton Federal Credit Union personal loan rates are 9.75% APR for a 12 month personal loan, 9.75% APR for a 24 month personal loan, 9.75% APR for a 36 month personal loan, 9.75% APR for a 48 month personal loan and 9.75% APR for a 60 month personal loan.
What is the lowest credit card APR at Princeton Federal Credit Union?
The lowest Princeton Federal Credit Union credit card APR is its VISA Credit Card at 9.90% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Princeton Federal Credit Union operate?
Princeton Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Princeton Federal Credit Union?
Yes, to access services at Princeton Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Princeton Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Princeton Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Princeton Federal Credit Union offer online and mobile banking?
Most modern institutions like Princeton Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.princetonfcu.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Princeton Federal Credit Union rates compare?
Princeton Federal Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A health rating. Princeton Federal Credit Union's top rates are its CD - 13 month JUMBO + IRA at 4.25% APY, its IRA Savings Account at 0.03% APY, its Money Market Plus at 1.25% APY, its Checking Account at 0.01% APY, its Personal Line of Credit at 9.75% APR and its VISA Credit Card at 9.90% APR, verified by MonitorBankRates on October 29, 2026.
Current Princeton Federal Credit Union Rates
12-Month CD2.68%
18-Month CD3.30%
24-Month CD3.30%
60-Month CD2.53%
Savings0.03%
MMA1.25%
Retrieved from our database of financial products. Rates subject to change.