Let Your Money Earn You Money
Let your money earn you money with certificates! Credit unions exist for our members, not for shareholders, and average Certificate rates at credit unions nationwide are almost an entire percentage point higher than bank CD rates as of Q4 2023 (Source: NCUA). YOU get to benefit!
What is the difference between a Certificate and a Certificate of Deposit (CD)?
The Difference: Credit unions call the account a Certificate and the banks identify the account as a CD.
Certificate Specials
13 Month 3.01% APY* | 4 Month 4.44% APY*
Minimum deposit $1,000
Strong rates so your balances GROW
Protection from market volatility
Set this up in minutes
Prospective members - Call us today at (609) 945-6200 Option 4 or Visit In-Person at our friendly branch at 774 Alexander Road in Princeton
Existing members - you can set this up in our online banking
Savings Certificate Rates & Terms
| Term | Minimum Balance To Open and Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|
| 3 Months | $1,000.00 | 3.63% | 3.70% |
| 4 Months SPECIAL | $1,000.00 | 4.35% | 4.44% |
| 6 Months | $1,000.00 | 3.44% | 3.50% |
| 9 Months | $1,000.00 | 3.15% | 3.20% |
| 12 Months | $1,000.00 | 2.95% | 2.99% |
| 13 Months SPECIAL | $1,000.00 | 2.97% | 3.01% |
| 18 Months | $1,000.00 | 1.49% | 1.50% |
| 24 Months | $1,000.00 | 1.49% | 1.50% |
| 36 Months | $1,000.00 | 1.00% | 1.00% |
| 48 Months | $1,000.00 | 1.00% | 1.00% |
| 60 Months | $1,000.00 | 1.00% | 1.00% |
Disclaimers
*APY Annual Percentage Yield. Rates subject to change. The penalty for early withdrawal is the lesser of 90 days dividends or dividends year-to-date. Must be a PFCU member in good standing. Dividend amount per $1,000 on 13 Month at maturity ≈ $32.75, on 4 Month at maturity ≈ $14.77. PFCU reserves the right to end this promotion at any time. Please note, fees could reduce the earnings on your account(s).