What are the current interest rates at Princeton Federal Credit Union?

Current rates for Princeton Federal Credit Union include: 12-Month CD: 2.68%, 18-Month CD: 3.30%, 24-Month CD: 3.30%, 60-Month CD: 2.53%, Savings: 0.03%, MMA: 1.25%

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Princeton Federal Credit Union

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Princeton Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Princeton Federal Credit Union's top rates as of October 13, 2026 are 4.25% APY on its IRA CD - 13 month JUMBO + IRA, 0.03% APY on savings, 1.25% APY on money market accounts, 0.01% APY on checking, personal loans from 9.75% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Princeton Federal Credit Union CD rates include IRA CD - 13 month JUMBO IRA at 4.20%, 13 Month CD Special at 4.09%, and CD - 13 month SPECIAL at 4.09%. 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 10/13/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.28%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Princeton Federal Credit Union
Alexander Park

600 Alexander Park
Princeton, NJ 08540

https://www.princetonfcu.org

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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
IRA Share Certificate - 13 month JUMBO + IRA	4.17%	4.25%	13 Months
Min Deposit $100,000 Min Balance $100,000 Details $50,000.00 NEW MONEY Required Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
IRA Share Certificate - 13 month JUMBO IRA	4.12%	4.20%	13 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
13 Month Certificate Special	-	4.09%	13 Months
Min Deposit $1,000 Details Certificate Specials; Prospective members call (800) 456-5038 Option 4 or visit 774 Alexander Road in Princeton; Existing members can set up in online banking Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.09% ▲ 0.48 pts · high 4.09% / low 3.61% Oct 13, 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 Details SPECIAL; Minimum balance to open and obtain APY Last Updated 10/13/2026 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%
IRA Share Certificate - 4 month JUMBO + IRA	3.74%	3.80%	4 Months
Min Deposit $100,000 Min Balance $100,000 Details $50,000.00 NEW MONEY Required Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
IRA Share Certificate - 4 month JUMBO IRA	3.69%	3.75%	4 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.75% 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 Details JUMBO Share Certificate; PFCU membership required; minimum opening deposit of $100,000 required to open and maintain APY Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.29% → 3.75% ▲ 0.46 pts · high 3.75% / low 3.29% Sep 25, 20263.75%▲ from 3.29% Sep 21, 20263.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
4 Month Youth, Teen, Young Adult Share Certificate	3.45%	3.50%	4 Months
Min Deposit $1,000 Min Balance $1,000 Details SPECIAL; Minimum Balance To Obtain APY $1,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
18 Month Youth, Teen, Young Adult Share Certificate	3.35%	3.40%	18 Months
Min Deposit $100 Min Balance $100 Details Minimum Balance To Obtain APY $100.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
24 Month Youth, Teen, Young Adult Share Certificate	3.35%	3.40%	24 Months
Min Deposit $100 Min Balance $100 Details Minimum Balance To Obtain APY $100.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.40% APY 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 Details SPECIAL; Minimum balance to open and obtain APY Last Updated 10/13/2026 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%
Share Certificate - 18 month	3.25%	3.30%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open and obtain APY Last Updated 10/13/2026 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 Details Minimum balance to open and obtain APY Last Updated 10/13/2026 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%
36 Month Youth, Teen, Young Adult Share Certificate	3.10%	3.14%	36 Months
Min Deposit $100 Min Balance $100 Details Minimum Balance To Obtain APY $100.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.14% APY 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 Details Minimum balance to open and obtain APY Last Updated 10/13/2026 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%
48 Month Youth, Teen, Young Adult Share Certificate	2.85%	2.88%	48 Months
Min Deposit $100 Min Balance $100 Details Minimum Balance To Obtain APY $100.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.88% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
12 Month Youth, Teen, Young Adult Share Certificate	2.75%	2.78%	12 Months
Min Deposit $100 Min Balance $100 Details Minimum Balance To Obtain APY $100.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.78% APY 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 Details Minimum balance to open and obtain APY Last Updated 10/13/2026 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%
9 Month Youth, Teen, Young Adult Share Certificate	2.70%	2.73%	9 Months
Min Deposit $100 Min Balance $100 Details Minimum Balance To Obtain APY $100.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.73% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
6 Month Youth, Teen, Young Adult Share Certificate	2.65%	2.68%	6 Months
Min Deposit $100 Min Balance $100 Details Minimum Balance To Obtain APY $100.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.68% APY 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 Details Minimum balance to open and obtain APY Last Updated 10/13/2026 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%
3 Month Youth, Teen, Young Adult Share Certificate	2.60%	2.63%	3 Months
Min Deposit $100 Min Balance $100 Details Minimum Balance To Obtain APY $100.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.63% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
60 Month Youth, Teen, Young Adult Share Certificate	2.56%	2.63%	60 Months
Min Deposit $100 Min Balance $100 Details Minimum Balance To Obtain APY $100.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.63% APY 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 Details Minimum balance to open and obtain APY Last Updated 10/13/2026 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%
Share Certificate - 6 month	2.55%	2.58%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to open and obtain APY Last Updated 10/13/2026 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 Details Minimum balance to open and obtain APY Last Updated 10/13/2026 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 Details Minimum balance to open and obtain APY Last Updated 10/13/2026 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
PFCU Savings Account	0.03%	0.03%
Min Deposit $5 Min Balance $5 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.03% APY · checked 3 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 Details Minimum Balance to Obtain APY: $0.00 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Princeton Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Plus	1.25%	1.25%
Min Deposit $0 Min Balance $7,500 Details Balance: $7,500 & up Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Money Market Account	0.15%	0.15%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Money Market Account	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Money Market Account	0.03%	0.03%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.03% APY · checked 2 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 Details Balance: $0 - $7,499.99 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.03% APY · checked 3 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 Details Minimum balance to open & maintain APY: $0.00 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.01% APY · checked 3 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
Home Equity Loan - 1st Lien, up to 75% LTV	-	-	5.99%	60 months
Details As Low As; LTV: up to 75%; Lien: 1st; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, 80% LTV	-	-	6.24%	60 months
Details As Low As; LTV: 80%; Lien: 1st; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, 85% LTV	-	-	6.24%	60 months
Details As Low As; LTV: 85%; Lien: 1st; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, up to 75% LTV	-	-	6.24%	120 months
Details As Low As; LTV: up to 75%; Lien: 1st; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, 80% LTV	-	-	6.49%	120 months
Details As Low As; LTV: 80%; Lien: 1st; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, 85% LTV	-	-	6.49%	120 months
Details As Low As; LTV: 85%; Lien: 1st; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, up to 75% LTV	-	-	6.49%	60 months
Details As Low As; LTV: up to 75%; Lien: 2nd; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, 80% LTV	-	-	6.74%	180 months
Details As Low As; LTV: 80%; Lien: 1st; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, 85% LTV	-	-	6.74%	180 months
Details As Low As; LTV: 85%; Lien: 1st; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, up to 75% LTV	-	-	6.74%	180 months
Details As Low As; LTV: up to 75%; Lien: 1st; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, 80% LTV	-	-	6.74%	60 months
Details As Low As; LTV: 80%; Lien: 2nd; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, up to 75% LTV	-	-	6.74%	120 months
Details As Low As; LTV: up to 75%; Lien: 2nd; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, 80% LTV	-	-	6.99%	240 months
Details As Low As; LTV: 80%; Lien: 1st; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Home Equity Loan - 1st Lien, 85% LTV	-	-	6.99%	240 months
Details As Low As; LTV: 85%; Lien: 1st; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Home Equity Loan - 1st Lien, up to 75% LTV	-	-	6.99%	240 months
Details As Low As; LTV: up to 75%; Lien: 1st; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, 80% LTV	-	-	6.99%	120 months
Details As Low As; LTV: 80%; Lien: 2nd; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, 80% LTV	-	-	7.99%	180 months
Details As Low As; LTV: 80%; Lien: 2nd; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, 85% LTV	-	-	7.99%	60 months
Details As Low As; LTV: 85%; Lien: 2nd; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, 85% LTV	-	-	8.24%	120 months
Details As Low As; LTV: 85%; Lien: 2nd; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, up to 75% LTV	-	-	8.24%	180 months
Details As Low As; LTV: up to 75%; Lien: 2nd; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, 80% LTV	-	-	8.49%	240 months
Details As Low As; LTV: 80%; Lien: 2nd; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, 85% LTV	-	-	8.74%	180 months
Details As Low As; LTV: 85%; Lien: 2nd; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, up to 75% LTV	-	-	8.74%	240 months
Details As Low As; LTV: up to 75%; Lien: 2nd; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 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, 85% LTV	-	-	9.24%	240 months
Details As Low As; LTV: 85%; Lien: 2nd; Min borrow $5,000.00; Max borrow $1,000,000.00; add .50% APR if payment not auto deducted from PFCU checking with full direct deposit; application fee $249.00 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Princeton Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Automobile Loan - 2026 (new)	-	-	6.24%	60 months
Details As Low As; Max. term 60 months; Min. amount to borrow $5,000.00; Max. amount to borrow $100,000.00 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Oct 13, 20266.24%▲ from 5.99% Sep 17, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Auto Loans	-	-	6.49%	60 months
Details As Low As; Model Year: 2023 or newer; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $100,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
New Automobile Loan - 2026 (new)	-	-	6.74%	72 months
Details As Low As; Max. term 72 months; Min. amount to borrow $5,000.00; Max. amount to borrow $100,000.00 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 13, 20266.74%▲ from 6.49% Sep 17, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Auto Loans	-	-	6.99%	72 months
Details As Low As; Model Year: 2023 or newer; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $100,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
New Automobile Loan - 2026 (new)	-	-	6.99%	84 months
Details As Low As; Max. term 84 months; Min. amount to borrow $5,000.00; Max. amount to borrow $100,000.00 Last Updated 10/13/2026 Rate History 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
Details As Low As; Model Year: 2023 or newer; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $100,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Auto Loans	-	-	7.49%	60 months
Details As Low As; Model Year: 2016 to 2022; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $100,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Auto Loans	-	-	7.74%	72 months
Details As Low As; Model Year: 2016 to 2022; Min. Amt. to Borrow: $5,000.00; Max. Amt. to Borrow: $100,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.74% APR 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%
Details As Low As; Min. amount to borrow $500.00; Max. amount to borrow $20,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Princeton Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Line of Credit	9.75%	Revolving
Details As 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 checking account with PFCU Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Personal Loan	9.75%	12 months
Details As Low As; Min. amount to borrow $500.00; Max. amount to borrow $60,000.00; Payment per $1,000 excluded; Add .50% APR if payment is not auto-deducted from the checking account with full direct deposit into the checking account with PFCU Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 9.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Personal Loan	9.75%	24 months
Details As 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 the checking account with full direct deposit into the checking account with PFCU Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 9.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Personal Loan	9.75%	36 months
Details As 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 the checking account with full direct deposit into the checking account with PFCU Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 9.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Personal Loan	9.75%	48 months
Details As 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 the checking account with full direct deposit into the checking account with PFCU Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 9.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Personal Loan	9.75%	60 months
Details As 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 the checking account with full direct deposit into the checking account with PFCU Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 9.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Personal/ Unsecured Line of Credit	9.75%	Revolving
Details As Low As; Borrow range $500.00 - $60,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Personal/ Unsecured Loan - 12 months	9.75%	12 months
Details As 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 Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Personal/ Unsecured Loan - 24 months	9.75%	24 months
Details As 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 Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Personal/ Unsecured Loan - 36 months	9.75%	36 months
Details As 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 Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Personal/ Unsecured Loan - 48 months	9.75%	48 months
Details As 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 Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Personal/ Unsecured Loan - 60 months	9.75%	60 months
Details As 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 Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 2 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 Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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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.

Credit Union Profile & Overview

Credit Union Name Princeton Federal Credit Union

Website https://www.princetonfcu.org

Address 600 Alexander Park, Princeton, NJ 08540

Phone 609-945-6200

Fax 609-945-6298

President Adam Coyne

CEO Dana Caragine

Full-Time Employees 28

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.28%

Return on Assets (ROA)

0.1073%

Return on Equity (ROE)

1.0713%

Non-Performing Loans Ratio (NPL)

0.95%

Total Assets

169,166,099

Total Amount of Shares and Deposits

151,770,922

Total Shares and Deposits < 1 Year

147,423,444

Total Shares and Deposits 1 3 Years

4,299,616

Total Shares and Deposits > 3 Years

47,862

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

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

Q2 2026 MBR Health & Safety Badge

Princeton Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Princeton Federal Credit Union

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.

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.

Compare to Other Credit Unions

Princeton Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Princeton Federal Credit Union Texas Ratio

Princeton Federal Credit Union Health Trend

Princeton Federal Credit Union CD Rates

Princeton Federal Credit Union Savings Rates

Princeton Federal Credit Union Money Market Rates

Princeton Federal Credit Union Checking Rates

Princeton Federal Credit Union Home Equity & HELOC

Princeton Federal Credit Union Auto Loan Rates

Princeton Federal Credit Union Credit Card Rates

Princeton Federal Credit Union Personal Loan Rates

Princeton Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Princeton Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Princeton Federal Credit Union

How many branches does Princeton Federal Credit Union operate?

Is a member application needed to join Princeton Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Princeton Federal Credit Union offer online and mobile banking?

Current Princeton Federal Credit Union Rates

Compare to Other Credit Unions