Denville, New Jersey Savings Rates - August 2026

Introductory promo for new customers. Introductory Interest Rate is determined by adding 0.67% to the variable interest rate paid on the Valley Direct High Yield Savings account (the "Standard Interest Rate"). Introductory Interest Rate, Standard Interest Rate and APY are variable and may change after the account is opened.

Existing customers earn 3.30% APY, that's still 8x the national average! Open online in just a few easy steps, and add or withdraw money at any time. Introductory Interest Rate, Standard Interest Rate and APY are variable and may change after the account is opened.

Qualifications Required; Earn 3.25% APY on balances up to $250,000. If the qualifications are not met, a dividend rate and APY of 0.05% will apply to all balances. To earn the maximum stated rate, you must complete the following activities on your Cash Back Plus or High-Yield Checking account during each Monthly Qualification Cycle (MQC) : complete at least 12 PIN or signature debit card purchases (including online transactions), receive at least one Direct Deposit or ACH deposit of $250 or more, and be enrolled in electronic statements.

Earn 2.65% APY on the first $10,000. If your daily balance is $10,000 or less, the dividend rate paid on the entire balance will be 2.62%, with an APY of 2.65%. A dividend rate of 0.50% will be paid only on the portion of your daily balance that is greater than $10,000. The APY for this tier will range from 2.65% to 0.59%, depending on the balance in the account.

If your average daily balance is $100,000 or more, the dividend rate paid on the entire balance in your account will be 2.47% with an annual percentage yield of 2.50%. If your average daily balance is less than $100,000, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%.

A dividend rate of 0.50% will be paid only on the portion of your daily balance that is greater than $10,000. The APY for this tier will range from 2.65% to 0.59%, depending on the balance in the account.

APYs are effective as of 6/1/25 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). During any month, you may not make more than six (6) electronic transfers between accounts at PFCU, accounts at other financial institutions or third-party payments. Electronic transfers include preauthorized, automatic (overdraft), computer (online), ATM and phone transfers. You are not able to exceed the transfer limitation set forth above. Electronic transfers scheduled to occur after the threshold of 6 has been reached will be rejected. Transaction limitations on savings/share account: During any month, you may not make more than six withdrawals or transfers to another Credit Union account/ sub account of yours, or to a third party by means of preauthorized, automatic, or computer transfer, or telephonic order or instruction. If you exceed the transfer limitation set forth above, your account will be subject to excessive transaction fees or closure by the credit union. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

If your average daily balance is $100,000 or more, the dividend rate paid on the entire balance in your account will be 2.47% with an annual percentage yield of 2.50%. If your average daily balance is less than $100,000, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%.

If the qualifications are not met, a dividend rate and APY of 0.05% will apply to all balances.

APYs are effective as of 6/1/25 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). During any month, you may not make more than six (6) electronic transfers between accounts at PFCU, accounts at other financial institutions or third-party payments. Electronic transfers include preauthorized, automatic (overdraft), computer (online), ATM and phone transfers. You are not able to exceed the transfer limitation set forth above. Electronic transfers scheduled to occur after the threshold of 6 has been reached will be rejected. Transaction limitations on savings/share account: During any month, you may not make more than six withdrawals or transfers to another Credit Union account/ sub account of yours, or to a third party by means of preauthorized, automatic, or computer transfer, or telephonic order or instruction. If you exceed the transfer limitation set forth above, your account will be subject to excessive transaction fees or closure by the credit union. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.