Business Details
50+ Years
experience
Your Trusted Credit Union in Princeton, NJ
Princeton FCU has served the financial needs of Princeton, New Jersey, and surrounding communities since 1936. Our member-owned cooperative provides a full range of banking services including savings accounts, checking accounts, personal loans, auto financing, and home mortgages. We prioritize personalized service through convenient branch locations, bilingual online banking, and mobile app accessibility. Our team offers competitive interest rates on certificates and credit products while maintaining a strong commitment to community development. With over 85 years of local expertise, we focus on building long-term financial relationships with individuals and families.Our services extend to retirement planning through IRAs, overdraft protection, and wire transfer capabilities. We maintain transparent communication through multiple contact channels including secure online messaging. Our lending department provides tailored solutions for both new and existing members. As a not-for-profit institution, we reinvest earnings to benefit our members. Our bilingual digital platforms ensure inclusive access to account management tools and financial resources.
Services
Personal Loans
Auto Loans
Home Mortgages
IRAs
Online Banking
Credit Cards
Certificate Accounts
Overdraft Protection
Wire Transfers
Mobile App Services
Details
- Year established: 1936
Highlights and features
- We've served Princeton communities since 1936 with local financial expertise
- Our bilingual online banking platform ensures inclusive access for all members
- Competitive rates on auto loans, mortgages, and savings certificates
- Personalized service through multiple branch locations and digital channels
- Not-for-profit structure reinvests earnings to benefit our members
Services
Auto Loans
Our auto loan program offers competitive rates with special promotions including up to 2% APR reduction. We finance new and used vehicles with flexible terms. Our lending specialists help members secure affordable monthly payments while maintaining financial stability.
Home Mortgages
We provide fixed and adjustable rate mortgages with low APR options. Our mortgage department offers personalized guidance through the home buying process. Services include loan origination, refinancing, and specialized programs for first-time homebuyers in Princeton and surrounding areas.
Savings Certificates
Our certificate accounts offer guaranteed returns with terms ranging from short-term to long-term options. Current promotions feature 4.04% APY on 4-month certificates. These low-risk accounts help members grow savings with predictable interest earnings.
Online Banking
Our bilingual digital platform provides 24/7 account access with enhanced security features. Members can transfer funds, pay bills, and manage accounts through desktop or mobile app interfaces. The service includes secure messaging with encrypted communication for confidential transactions.
Personal Loans
We offer unsecured personal loans for debt consolidation, home improvements, or unexpected expenses. Competitive rates apply based on creditworthiness with terms tailored to individual financial situations. Our loan specialists provide personalized guidance to help members achieve their financial goals.
Questions
How do I become a Princeton FCU member?
Membership requires living, working, or attending school in specific Central New Jersey areas. Visit our website to check eligibility and complete the online application process.
What loan products do you offer?
We provide personal loans, auto financing, home mortgages, home equity loans, and credit cards with competitive rates based on individual credit profiles.
Is online banking secure?
Our digital platform uses encryption and secure messaging for all transactions. Members can safely access accounts 24/7 through desktop or mobile devices with biometric login options.
What are your branch hours?
Our Princeton branch operates Monday-Thursday 8:30 AM-4:00 PM, Friday 8:30 AM-6:00 PM. We're closed weekends and major holidays.
Do you offer bilingual services?
Yes, our online banking platform and mobile app feature bilingual capabilities to serve diverse member needs across Princeton and surrounding communities.
Reviews (5)
MochaLady
Sep 23, 2021
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Absolutely horrible customer service. I called the credit union today and the voicemail message says we are not available, we will give you a call back in one business day. Phone service is not consistent, sometimes the phone lines are down. But consistently, you cannot get thru to speak to someone at the bank. But when you go into the bank, everyone seems to be available??
Calvin Colson
Aug 20, 2021
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Terrible customer service when I called today. They could not even give me my account history (after verifying my identity, of course) without charging me money to do so. In addition none of that information is available through the web portal for my account (it was available prior to an update, but is now unavailable), which in my opinion is the bare minimum for online banking. Very disappointed and will be moving my money shortly. I advise others to avoid them as well.
Edit: In response to the reply from PFCU below, it seems that they misunderstood my complaint. I was not concerned with the
Edit: In response to the reply from PFCU below, it seems that they misunderstood my complaint. I was not concerned with the
Vijay Kanchi
Nov 09, 2020
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Excellent financial institution! Staff is very friendly and very efficient. Virtually no fees. I closed out My comment bank account which would have minimum account a fee for everything
Jas & Cary
Jul 27, 2020
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Amazing credit union. Does what a credit union is supposed to - help clients instead of the investor focus of banks. Carlee helped us get a debt consolidation loan when none of the banks would. Thanks to the team we fixed our financial lives. PFCU will forever be my bank.
Annie Watson
Jun 06, 2020
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Best Credit Union EVER!!! The customer service is Spectacular! They actually help you unlike other credit unions and banks. They do not charge crazy fees. The lady whom Im specifically giving a warm 5 star review to (even though the entire company deserves it) is Amy Koutras. She is quick, helpful, very kind and professional. She doesnt waste your time, and she gives good pointers on ensuring you are building a credit worthy credit score. She also gets the job done ASAP! Love this Credit Union and thanks Amy so much!!!!
