What are the current interest rates at First Bank (NJ)?

Current rates for First Bank (NJ) include: 12-Month CD: 3.00%, 18-Month CD: 2.10%, 24-Month CD: 2.10%, 36-Month CD: 2.10%, 48-Month CD: 1.60%, 60-Month CD: 1.60%, Savings: 0.10%, MMA: 0.22%

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First Bank (NJ)

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First Bank (NJ) Rates & Review September 2026

Q: How many branches does First Bank (NJ) operate?

First Bank (NJ) currently maintains approximately 26 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, First Bank (NJ) 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Bank (NJ) provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

First Bank (NJ)'s 12-Month CD rates are at 3.00%, 12-Month Certificate of Deposit (Regular & IRA) rates are at 3.00%, 3-Month CD rates are at 2.75%, 3-Month Certificate of Deposit (Regular & IRA) rates are at 2.75%, 6-Month CD rates are at 2.75%. First Bank (NJ)'s savings rates are at 0.10%. First Bank (NJ)'s money market rates are at 0.22%. MonitorBankRates evaluates the financial stability of First Bank (NJ) with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.42%. Rates last updated and verified on 09/18/2026.

First Bank (NJ) 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 First Bank (NJ)? Share your experience about First Bank (NJ) by leaving a review below, or read customer reviews before you decide to use First Bank (NJ).

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.42%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

First Bank

2465 Kuser Rd
Hamilton, NJ 08690

https://www.firstbanknj.com

First Bank (NJ) CD Rates

Product	Rate	APY	Term
12 Month CD	2.96%	3.00%	12 Month
Min Deposit $500 Details Withdrawal of interest may reduce APY. Early withdrawal penalty may be imposed. At maturity, the CD will automatically renew to the corresponding CD product at the current rate in effect at that time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
12 Month Certificate of Deposit (Regular & IRA)	2.96%	3.00%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
3 Month CD	2.71%	2.75%	3 Month
Min Deposit $500 Details Withdrawal of interest may reduce APY. Early withdrawal penalty may be imposed. At maturity, the CD will automatically renew to the corresponding CD product at the current rate in effect at that time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
3 Month Certificate of Deposit (Regular & IRA)	2.71%	2.75%	3 Month
Min Deposit $500 Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
6 Month CD	2.71%	2.75%	6 Month
Min Deposit $500 Details Withdrawal of interest may reduce APY. Early withdrawal penalty may be imposed. At maturity, the CD will automatically renew to the corresponding CD product at the current rate in effect at that time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
6 Month Certificate of Deposit (Regular & IRA)	2.71%	2.75%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
9 Month CD	2.71%	2.75%	9 Month
Min Deposit $500 Details Withdrawal of interest may reduce APY. Early withdrawal penalty may be imposed. At maturity, the CD will automatically renew to the corresponding CD product at the current rate in effect at that time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
9 Month Certificate of Deposit (Regular & IRA)	2.71%	2.75%	9 Month
Min Deposit $500 Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
18 Month CD	2.08%	2.10%	18 Month
Min Deposit $500 Details Withdrawal of interest may reduce APY. Early withdrawal penalty may be imposed. At maturity, the CD will automatically renew to the corresponding CD product at the current rate in effect at that time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
18 Month Certificate of Deposit (Regular & IRA)	2.08%	2.10%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
24 Month CD	2.08%	2.10%	24 Month
Min Deposit $500 Details Withdrawal of interest may reduce APY. Early withdrawal penalty may be imposed. At maturity, the CD will automatically renew to the corresponding CD product at the current rate in effect at that time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
24 Month Certificate of Deposit (Regular & IRA)	2.08%	2.10%	24 Month
Min Deposit $500 Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
36 Month CD	2.08%	2.10%	36 Month
Min Deposit $500 Details Withdrawal of interest may reduce APY. Early withdrawal penalty may be imposed. At maturity, the CD will automatically renew to the corresponding CD product at the current rate in effect at that time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
36 Month Certificate of Deposit (Regular & IRA)	2.08%	2.10%	36 Month
Min Deposit $500 Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
48 Month CD	1.59%	1.60%	48 Month
Min Deposit $500 Details Withdrawal of interest may reduce APY. Early withdrawal penalty may be imposed. At maturity, the CD will automatically renew to the corresponding CD product at the current rate in effect at that time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
48 Month Certificate of Deposit (Regular & IRA)	1.59%	1.60%	48 Month
Min Deposit $500 Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
60 Month CD	1.59%	1.60%	60 Month
Min Deposit $500 Details Withdrawal of interest may reduce APY. Early withdrawal penalty may be imposed. At maturity, the CD will automatically renew to the corresponding CD product at the current rate in effect at that time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
60 Month Certificate of Deposit (Regular & IRA)	1.59%	1.60%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%

First Bank (NJ) Savings Rates

Product	Rate	APY
Business Savings	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Personal Statement Savings	0.10%	0.10%
Min Deposit $100 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%

First Bank (NJ) Money Market Rates

Product	Rate	APY
Business Money Market	2.31%	2.34%
Min Balance $500,001 Details Balance: $500,001.00 and above Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Personal Money Market	2.31%	2.34%
Min Balance $150,001 Details Balance: $150,001.00 and above Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Relationship Money Market	2.31%	2.34%
Min Balance $150,001 Details Balance: $150,001.00 and above Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Business Money Market	1.65%	1.66%
Min Balance $100,001 Details Balance: $100,001.00 to $500,000.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Personal Money Market	1.65%	1.66%
Min Balance $50,001 Details Balance: $50,001.00 to $150,000.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Relationship Money Market	1.65%	1.66%
Min Balance $50,001 Details Balance: $50,001.00 to $150,000.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Money Market Account	1.43%	1.44%
Min Balance $150,001 Details Balance: $150,001.00 and above Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Personal Money Market	1.43%	1.44%
Min Balance $150,001 Details Balance: $150,001.00 and above Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Business Money Market	0.90%	0.90%
Min Balance $25,001 Details Balance: $25,001.00 to $100,000.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Money Market Account	0.90%	0.90%
Min Balance $50,001 Details Balance: $50,001.00 to $150,000.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Personal Money Market	0.90%	0.90%
Min Balance $50,001 Details Balance: $50,001.00 to $150,000.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Relationship Money Market	0.90%	0.90%
Min Balance $10,001 Details Balance: $10,001.00 to $50,000.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Business Money Market	0.45%	0.45%
Min Balance $2,501 Details Balance: $2,501.00 to $25,000.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Money Market Account	0.45%	0.45%
Min Balance $10,001 Details Balance: $10,001.00 to $50,000.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Personal Money Market	0.45%	0.45%
Min Balance $10,001 Details Balance: $10,001.00 to $50,000.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Relationship Money Market	0.45%	0.45%
Min Balance $1,001 Details Balance: $1,001.00 to $10,000.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Money Market Account	0.22%	0.22%
Min Balance $1,001 Details Balance: $1,001.00 to $10,000.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Personal Money Market	0.22%	0.22%
Min Balance $1,001 Details Balance: $1,001.00 to $10,000.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%

First Bank (NJ) Checking Rates

Product	Rate	APY
Non-Profit Checking	0.20%	0.20%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
50 First Checking	0.08%	0.08%
Min Deposit $50 Min Balance $1 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
e-Checking	0.08%	0.08%
Min Deposit $500 Min Balance $500 Details Monthly Service Fees: $15 if below $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
First Checking	0.08%	0.08%
Min Deposit $50 Min Balance $1 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%

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.
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Financial Health History

First Bank (NJ)’s Texas Ratio rose from 1.94% in Q3 2023 to 6.42% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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	$4.1B	6.42%	5.0	A
March 31, 2026	$4.0B	4.90%	5.0	A+
December 31, 2025	$4.0B	3.19%	5.0	A+
September 30, 2025	$4.0B	2.35%	5.0	A+
June 30, 2025	$4.0B	2.75%	5.0	A+
March 31, 2025	$3.9B	2.80%	5.0	A+
December 31, 2024	$3.8B	3.01%	5.0	A+
September 30, 2024	$3.8B	3.12%	5.0	A+
June 30, 2024	$3.6B	3.81%	5.0	A+
March 31, 2024	$3.6B	4.62%	5.0	A+
December 31, 2023	$3.6B	2.15%	5.0	A+
September 30, 2023	$3.6B	1.94%	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 First Bank (NJ) 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 First Bank (NJ) 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 First Bank (NJ)'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Bank (NJ)

FDIC Certificate # 58481

Address 2465 Kuser Rd, Hamilton, NJ 08690 · Mercer

Website https://www.firstbanknj.com

Established 20070423

FDIC Insurance Date 20070423

Domestic Offices 26

Total Branches 26

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.42%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9240%

Return on Equity (ROE) 8.2500%

Non-Performing Loans (NPL) 0.71%

Total Assets $4,087,406,000

Total Deposits $3,323,677,000

Equity Capital $453,224,000

Net Income $18,504,000

Headquarters Hamilton

Total Branches and Offices 26

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Bank (NJ) earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About First Bank (NJ)

How many branches does First Bank (NJ) operate?

First Bank (NJ) currently maintains approximately 26 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, First Bank (NJ) 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, First Bank (NJ) provides members with tools to manage their accounts and build a solid financial history.

Does First Bank (NJ) offer online and mobile banking?

Most modern institutions like First Bank (NJ) 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.firstbanknj.com.