Pinnacle Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.pinnaclefcu.com

732-225-1505

135 Raritan Center Pkwy
Edison, NJ 08837

Pinnacle Federal Credit Union is headquartered in Parlin and is the 30^th largest credit union in the state of New Jersey. It is also the 1,866^th largest credit union in the nation. It was established in 1962 and as of December of 2024, it had grown to 21 employees and 11,416 members at 2 locations. Pinnacle Federal Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

You may join Pinnacle FCU by becoming a member of the American Consumer Council with a membership fee of $5. Membership is also open to FujiColor, FujiFilm, and over 300 employer groups and immediate family of current members.
See current membership details

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

Data as of Q4 2024

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Pinnacle Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	15095
Year Chartered	1962
Employees	21
Primary Regulator

Profit Margin
Return on Assets - YTD	0.2%
Return on Equity - YTD	4.1%
Annual Interest Income	$4.6MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$94.6MM$99.3MM
Loans	Q4 2024vs Q4 2023	$63.6MM$65.7MM
Deposits	Q4 2024vs Q4 2023	$88.8MM$94.1MM
Equity Capital	Q4 2024vs Q4 2023	$4.6MM$4.6MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$789K$671K
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$166K$832K
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Skip to rates for:

Savings
Money Market
Checking
CD
IRA

Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Pinnacle Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Pinnacle Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$5	-	Youth Savings
0.50%	$100	-	Holiday Club
0.10%	$100	-	Vacation Club
0.05%	$5	-	Share Savings

Pinnacle Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$50k^*	-	Money Market Gold Account
OTHER TIERS: 0.55% → $20k - $50k
0.65%^*	$50k^*	-	Money Market Investment Account
OTHER TIERS: 0.50% → $1k - $20k \| 0.55% → $20k - $50k

Pinnacle Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$1	-	Premier 55 Checking
0.05%	$500	-	Premier Checking

Pinnacle Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$500	-	6 Month CD
3.75%	$500	-	12 Month CD
3.75%	$500	-	18 Month CD
3.75%	$500	-	24 Month CD
3.75%	$500	-	60 Month CD
3.75%	$500	-	36 Month CD
3.75%	$500	-	48 Month CD
3.75%	$500	-	9 Month CD
1.75%	$500	-	3 Month CD

Pinnacle Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$500	-	6 Month IRA
3.75%	$500	-	12 Month IRA
3.75%	$500	-	18 Month IRA
3.75%	$500	-	24 Month IRA
3.75%	$500	-	60 Month IRA
3.75%	$500	-	36 Month IRA
3.75%	$500	-	48 Month IRA
3.75%	$500	-	9 Month IRA
1.75%	$500	-	3 Month IRA
0.50%	$50	-	IRA Share Savings

Locations

Pinnacle Federal Credit Union Locations
Branch Office	990 Cedar Bridge Ave	Brick, NJ 08723
Corporate Office	2909 Washington Rd Ste 10	Parlin, NJ 08859

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.