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The Bank of Princeton Rates & Review October 2026

Item: The Bank of Princeton
Rating: 2
Author: Jova

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 20, 2026

The Bank of Princeton's Certificate of Deposit - 10-Month rates are at 1.50%, Certificate of Deposit - 11-Month rates are at 1.50%, Certificate of Deposit - 12-Month rates are at 1.50%, Certificate of Deposit - 18-Month rates are at 1.50%, Certificate of Deposit - 24-Month rates are at 1.50%. The Bank of Princeton's savings rates are at 0.30%. The Bank of Princeton's money market rates are at 3.00%. The Bank of Princeton's checking rates are as high as 0.03%. MonitorBankRates evaluates the financial stability of The Bank of Princeton with a 4.9 Star Rating, an A Overall Health Grade, and a Texas Ratio of 5.94%. Rates last updated and verified on 10/20/2026.

The Bank of Princeton 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 The Bank of Princeton? Share your experience about The Bank of Princeton by leaving a review below, or read customer reviews before you decide to use The Bank of Princeton.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

5.94%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

The Bank of Princeton

183 Bayard Ln
Princeton, NJ 08540

https://www.thebankofprinceton.com

Customer Reviews

2.0 ★ 1 review

Write a Review

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

The Bank of Princeton CD Rates

Product	Rate	APY	Term
Certificate of Deposit - 10 Month	1.49%	1.50%	10 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 10 Month	1.49%	1.50%	10 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 11 Month	1.49%	1.50%	11 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 11 Month	1.49%	1.50%	11 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 12 Month	1.49%	1.50%	12 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 12 Month	1.49%	1.50%	12 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 18 Month	1.49%	1.50%	18 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 18 Month	1.49%	1.50%	18 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 24 Month	1.49%	1.50%	24 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 24 Month	1.49%	1.50%	24 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 3 Month	1.49%	1.50%	3 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 3 Month	1.49%	1.50%	3 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 36 Month	1.49%	1.50%	36 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 36 Month	1.49%	1.50%	36 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 4 Month	1.49%	1.50%	4 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 4 Month	1.49%	1.50%	4 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 48 Month	1.49%	1.50%	48 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 48 Month	1.49%	1.50%	48 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 5 Month	1.49%	1.50%	5 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 5 Month	1.49%	1.50%	5 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 6 Month	1.49%	1.50%	6 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 6 Month	1.49%	1.50%	6 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 60 Month	1.49%	1.50%	60 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 60 Month	1.49%	1.50%	60 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 7 Month	1.49%	1.50%	7 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 7 Month	1.49%	1.50%	7 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 8 Month	1.49%	1.50%	8 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 8 Month	1.49%	1.50%	8 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 9 Month	1.49%	1.50%	9 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Certificate of Deposit - 9 Month	1.49%	1.50%	9 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 minimum to obtain APY Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%

The Bank of Princeton Savings Rates

Product	Rate	APY
Princeton Savings	0.30%	0.30%
Min Deposit $5,000 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 8 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
IRA Savings	0.05%	0.05%
No additional details. Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Wise Savings	0.05%	0.05%
Min Deposit $50 Details Balance: $50,000- $249,999 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Wise Savings	0.03%	0.03%
Min Deposit $50 Details Balance: $0 - $9,999 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Landlord/Tenant Savings	0.02%	0.02%
No additional details. Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 0.02% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%

The Bank of Princeton Business Savings Rates

Product	Rate	APY
Wise Business Savings	0.10%	0.10%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/20/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Wise Business Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $249,999 Last Updated 10/20/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Wise Business Savings	0.03%	0.03%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 - $9,999 Last Updated 10/20/2026 Rate History No change since Oct 7, 2026 · 0.03% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Wise Business Savings	0.03%	0.03%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/20/2026 Rate History No change since Oct 7, 2026 · 0.03% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%

The Bank of Princeton Money Market Rates

Product	Rate	APY
Premier Money Market	2.96%	3.00%
Min Balance $50,000 Details Balance: $50,000 and over; Exclusive offer valid on NEW MONEY ONLY; Min balance to obtain APY: $2,500 Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Princeton Money Market	0.30%	0.30%
Min Deposit $5,000 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 8 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Priority Money Market	0.07%	0.07%
Min Deposit $50 Min Balance $2,500 Details Balance: $250,000; Min balance to obtain APY: $2,500 Last Updated 10/20/2026 Rate History 1 change since Sep 18, 2026 · 0.03% → 0.07% ▲ 0.04 pts · high 0.07% / low 0.03% Oct 20, 20260.07%▲ from 0.03% Sep 18, 20260.03%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Premier Money Market	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $49,999; Min balance to obtain APY: $2,500 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Priority Money Market	0.05%	0.05%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 - $249,999; Min balance to obtain APY: $2,500 Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Priority Money Market	0.03%	0.03%
Min Deposit $50 Min Balance $2,500 Details Balance: $2,500 - $9,999; Min balance to obtain APY: $2,500 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 8 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%

The Bank of Princeton Business Money Market Rates

Product	Rate	APY
Business Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+; Min. Bal to Obtain APY: $2,500 Last Updated 10/20/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Business Money Market	0.03%	0.03%
Min Deposit $1,000 Min Balance $2,500 Details Balance: $2,500 - $9,999; Min. Bal to Obtain APY: $2,500 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 8 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Business Money Market	0.03%	0.03%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,999; Min. Bal to Obtain APY: $2,500 Last Updated 10/20/2026 Rate History No change since Oct 7, 2026 · 0.03% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Business Money Market	0.03%	0.03%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $249,999; Min. Bal to Obtain APY: $2,500 Last Updated 10/20/2026 Rate History No change since Oct 7, 2026 · 0.03% APY · checked 4 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%

The Bank of Princeton Checking Rates

Product	Rate	APY
Classic Checking	0.02%	0.02%
Min Deposit $50 Min Balance $500 Details Balance: $500 and over Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 8 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Premier Checking	0.02%	0.02%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000 - $2,499 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 8 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%

The Bank of Princeton Business Checking Rates

Product	Rate	APY
Premier Business Checking	0.03%	0.03%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 8 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Premier Business Checking	0.02%	0.02%
Min Deposit $100 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/20/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 8 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%

The Bank of Princeton Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 1st Lien	6.50%	-	6.602%	5 Years
Details 1st Lien; Fixed rate for the term of the loan; Minimum loan amount $10,000; No application fee; No points Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 6.60% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Home Equity Loan - 1st Lien	6.75%	-	6.805%	10 Years
Details 1st Lien; Fixed rate for the term of the loan; Minimum loan amount $10,000; No application fee; No points Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 6.81% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Home Equity Loan - 2nd Lien	6.75%	-	6.852%	5 Years
Details 2nd Lien; Fixed rate for the term of the loan; Minimum loan amount $10,000; No application fee; No points Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 6.85% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Home Equity Line of Credit - Prime with matic Payment Loan	7.00%	-	7.00%	5 Year
Details Term: 5 Year Draw Period / 15 Year Repayment Period; Variable rate: Prime with Automatic Payment from The Bank of Princeton checking account; Floor 3.99%; Ceiling 16.00%; No application fee; No points; Minimum credit line $10,000; First 5 years interest only, then 15 year repayment of principal and interest; Maximum loan-to-value 80% Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.00% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Home Equity Loan - 1st Lien	7.00%	-	7.039%	15 Years
Details 1st Lien; Fixed rate for the term of the loan; Minimum loan amount $10,000; No application fee; No points Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 7.04% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Home Equity Loan - 2nd Lien	7.00%	-	7.055%	10 Years
Details 2nd Lien; Fixed rate for the term of the loan; Minimum loan amount $10,000; No application fee; No points Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 7.06% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Home Equity Loan - 1st Lien	7.25%	-	7.282%	20 Years
Details 1st Lien; Fixed rate for the term of the loan; Minimum loan amount $10,000; No application fee; No points Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 7.28% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Home Equity Loan - 2nd Lien	7.25%	-	7.289%	15 Years
Details 2nd Lien; Fixed rate for the term of the loan; Minimum loan amount $10,000; No application fee; No points Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 7.29% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Home Equity Line of Credit - Prime + .50% without matic Payment Loan	7.50%	-	7.50%	5 Year
Details Term: 5 Year Draw Period / 15 Year Repayment Period; Variable rate: Prime + .50% without Automatic Payment from The Bank of Princeton checking account; Floor 3.99%; Ceiling 16.00%; No application fee; No points; Minimum credit line $10,000; First 5 years interest only, then 15 year repayment of principal and interest; Maximum loan-to-value 80% Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.50% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%
Home Equity Loan - 2nd Lien	7.50%	-	7.532%	20 Years
Details 2nd Lien; Fixed rate for the term of the loan; Minimum loan amount $10,000; No application fee; No points Last Updated 10/20/2026 Rate History No change since Oct 14, 2026 · 7.53% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 5.94%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

The Bank of Princeton’s Texas Ratio rose from 2.91% in Q3 2023 to 5.94% 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. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank 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	$2.3B	5.94%	5.0	A+
March 31, 2026	$2.3B	6.12%	5.0	A
December 31, 2025	$2.3B	6.23%	5.0	A
September 30, 2025	$2.2B	6.38%	5.0	A
June 30, 2025	$2.2B	6.47%	5.0	A
March 31, 2025	$2.3B	9.96%	5.0	A
December 31, 2024	$2.3B	10.39%	5.0	A
September 30, 2024	$2.3B	0.91%	5.0	A+
June 30, 2024	$2.0B	2.16%	5.0	A+
March 31, 2024	$2.0B	0.88%	5.0	A+
December 31, 2023	$1.9B	2.80%	5.0	A+
September 30, 2023	$1.9B	2.91%	5.0	A+

Source: FDIC 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 The Bank of Princeton is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather The Bank of Princeton 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 The Bank of Princeton's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name The Bank of Princeton

Website https://www.thebankofprinceton.com

Address 183 Bayard Ln, Princeton, NJ 08540 · Mercer

Bank Holding Company PRINCETON BCORP INC

FDIC Certificate # 58513

Regulator FDIC

Established April 23, 2007

FDIC Insurance Date April 23, 2007

Domestic Offices 36

Total Branches 36

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

Financials

MonitorBankRates Star Rating

4.9 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

5.94%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.2296%

Return on Equity (ROE)

10.3000%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

$2,250,271,000

Total Deposits

$1,940,214,000

Equity Capital

$274,977,000

Net Income

$13,907,000

Headquarters

Princeton

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

The Bank of Princeton earned the Verified Healthy badge

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Customer Reviews

Jova

★★☆☆☆

May 2, 2026

Word of caution: when CD matures and you withdraw the entire amount from the bank they will penalize you for not keeping it in this bank. They lure you in with a nice rate of return then snatch some of it away when you move it from this bank.

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★★☆☆☆

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Frequently Asked Questions About The Bank of Princeton

Does The Bank of Princeton offer CDs?

Yes. The Bank of Princeton offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from The Bank of Princeton FDIC insured?

Yes. The Bank of Princeton is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at The Bank of Princeton?

The highest CD rate MonitorBankRates has verified for The Bank of Princeton is 1.50% APY on its Certificate of Deposit - 10-Month, as of October 20, 2026.

What CD terms does The Bank of Princeton offer?

The The Bank of Princeton CD terms we track include 10 month, 11 month, 12 month, 18 month, 2 year, 3 year, 4 year and 5 year terms. The institution may offer other terms or specials that are not listed here, so check with The Bank of Princeton for its full lineup.

What is the highest savings rate at The Bank of Princeton?

The highest savings rate MonitorBankRates has verified for The Bank of Princeton is 0.30% APY on its Princeton Savings, as of October 20, 2026.

What is the highest money market rate at The Bank of Princeton?

The highest money market rate MonitorBankRates has verified for The Bank of Princeton is 3.00% APY on its Premier Money Market, as of October 20, 2026.

What is the highest checking rate at The Bank of Princeton?

The highest checking rate MonitorBankRates has verified for The Bank of Princeton is 0.03% APY on its Premier Business Checking, as of October 20, 2026.

How many branches does The Bank of Princeton operate?

The Bank of Princeton currently maintains approximately 36 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, The Bank of Princeton 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, The Bank of Princeton provides members with tools to manage their accounts and build a solid financial history.

Does The Bank of Princeton offer online and mobile banking?

Most modern institutions like The Bank of Princeton 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.thebankofprinceton.com.

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. 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 or an existing account, 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 The Bank of Princeton rates compare?

The Bank of Princeton's top rates are 1.50% APY on its Certificate of Deposit - 10-Month, 0.30% APY on savings, 3.00% APY on money market and 0.03% APY on checking, verified by MonitorBankRates on October 20, 2026. To compare The Bank of Princeton with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country.

Current The Bank of Princeton Rates

12-Month CD1.50%
18-Month CD1.50%
24-Month CD1.50%
36-Month CD1.50%
48-Month CD1.50%
60-Month CD1.50%
Savings0.30%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

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The Bank of Princeton Rates & Review October 2026

Brian McKay

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Frequently Asked Questions About The Bank of Princeton

Does The Bank of Princeton offer CDs?

Are CDs from The Bank of Princeton FDIC insured?

What is the highest CD rate at The Bank of Princeton?

What CD terms does The Bank of Princeton offer?

What is the highest savings rate at The Bank of Princeton?

What is the highest money market rate at The Bank of Princeton?

What is the highest checking rate at The Bank of Princeton?

How many branches does The Bank of Princeton operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does The Bank of Princeton offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do The Bank of Princeton rates compare?

Current The Bank of Princeton Rates

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