What are the current interest rates at New Millennium Bank?

Current rates for New Millennium Bank include: 12-Month CD: 4.00%, 18-Month CD: 3.50%, 24-Month CD: 2.00%, 36-Month CD: 2.00%, 48-Month CD: 2.00%, 60-Month CD: 2.00%, Savings: 2.00%, MMA: 1.75%

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New Millennium Bank

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New Millennium Bank Rates & Review September 2026

Q: How many branches does New Millennium Bank operate?

New Millennium Bank currently maintains approximately 9 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, New Millennium Bank 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, New Millennium Bank 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 20, 2026

New Millennium Bank's 12-Month Certificates of Deposit rates are at 4.15%, 3-Month Certificates of Deposit rates are at 3.75%, 6-Month Certificates of Deposit rates are at 3.75%, 9-Month Certificates of Deposit rates are at 3.70%, 18-Month Certificates of Deposit rates are at 3.50%. New Millennium Bank's savings rates are at 2.00%. New Millennium Bank's money market rates are at 1.75%. MonitorBankRates evaluates the financial stability of New Millennium Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.49%. Rates last updated and verified on 09/20/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.49%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

New Millennium Bank

222 Bridge Plz S
Fort Lee, NJ 07024

https://nmbonline.com/

New Millennium Bank CD Rates

Product	Rate	APY	Term
12 Month Certificates of Deposit	4.07%	4.15%	12 Month Certificate
Min Deposit $500 Details Fixed Rate Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
3 Month Certificates of Deposit	3.68%	3.75%	3 Month Certificate
Min Deposit $500 Details Fixed Rate Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
6 Month Certificates of Deposit	3.68%	3.75%	6 Month Certificate
Min Deposit $500 Details Fixed Rate Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
9 Month Certificates of Deposit	3.63%	3.70%	9 Month Certificate
Min Deposit $500 Details Fixed Rate Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
18 Month Certificates of Deposit	3.44%	3.50%	18 Month Certificate
Min Deposit $500 Details Fixed Rate Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
2 Year Certificates of Deposit	3.20%	3.25%	2 Year Certificate
Min Deposit $500 Details Fixed Rate Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
3 Year Certificates of Deposit	1.98%	2.00%	3 Year Certificate
Min Deposit $500 Details Fixed Rate Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
4 Year Certificates of Deposit	1.98%	2.00%	4 Year Certificate
Min Deposit $500 Details Fixed Rate Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
5 Year Certificates of Deposit	1.98%	2.00%	5 Year Certificate
Min Deposit $500 Details Fixed Rate Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

New Millennium Bank Savings Rates

Product	Rate	APY
Super Savings	2.72%	2.75%
Min Balance $500,000 Details Minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00; Balance: $500,000.01 and over Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Super Savings	2.47%	2.50%
Min Balance $250,000 Details Minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00; Balance: $250,000.01 - $500,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Super Savings	2.23%	2.25%
Min Balance $100,000 Details Minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00; Balance: $100,000.00 - $250,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Super Savings	1.98%	2.00%
Min Balance $10,000 Details Minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00; Balance: $10,000.00 - $99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

New Millennium Bank Money Market Rates

Product	Rate	APY
SMART Money Market Account	3.44%	3.50%
Min Deposit $100 Min Balance $1,000,000 Details If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply; Balance: $1,000,000.00 and over Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
SMART Money Market Account	3.20%	3.25%
Min Deposit $100 Min Balance $500,000 Details If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply; Balance: $500,000.00 - $999,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
SMART Money Market Account	2.96%	3.00%
Min Deposit $100 Min Balance $250,000 Details If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply; Balance: $250,000.00 - $499,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
SMART Money Market Account	2.71%	2.75%
Min Deposit $100 Min Balance $100,000 Details If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply; Balance: $100,000.00 - $249,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Money Market Account	2.47%	2.50%
Min Deposit $1,000 Min Balance $500,000 Details if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply; Balance: $500,000.01 and over Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Money Market Account	2.23%	2.25%
Min Deposit $1,000 Min Balance $250,000 Details if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply; Balance: $250,000.01 - $500,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Money Market Account	1.98%	2.00%
Min Deposit $1,000 Min Balance $100,000 Details if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply; Balance: $100,000.00 - $250,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Money Market Account	1.73%	1.75%
Min Deposit $1,000 Min Balance $1,000 Details if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply; Balance: $1,000.00 - $99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

New Millennium Bank Checking Rates

Product	Rate	APY	View More
Business Interest Checking	0.15%	0.15%
Min Deposit $500 Min Balance $5,000 Details For Sole Proprietorship and Not-For-Profit accounts only; If daily balance falls below $5,000 at any time during the statement cycle a 20.00 minimum balance fee will apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

New Millennium Bank Other Rates

Product	Rate	Points	APY/APR	Term
Millennium Club Account	3.92%	-	4.00%	1 Year Term
Min Deposit $1,000 Details Fixed Rate Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Millennium Club Account	1.98%	-	2.00%	2 Years Term
Min Deposit $1,000 Details Fixed Rate Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Millennium Club Account	1.98%	-	2.00%	3 Years Term
Min Deposit $1,000 Details Fixed Rate Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
New Millennium Silver Account	0.15%	-	0.15%
Details Must at least 55 years old Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

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

New Millennium Bank’s Texas Ratio stayed near 3.04% in Q3 2023 to 3.49% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$899M	3.49%	5.0	A+
March 31, 2026	$925M	2.96%	5.0	A+
December 31, 2025	$953M	3.67%	5.0	A+
September 30, 2025	$929M	3.11%	5.0	A+
June 30, 2025	$939M	3.42%	5.0	A+
March 31, 2025	$924M	2.26%	5.0	A+
December 31, 2024	$914M	2.47%	5.0	A+
September 30, 2024	$895M	2.58%	5.0	A+
June 30, 2024	$862M	4.20%	5.0	A+
March 31, 2024	$823M	1.93%	5.0	A+
December 31, 2023	$784M	2.38%	5.0	A+
September 30, 2023	$767M	3.04%	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 New Millennium Bank 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 New Millennium Bank 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 New Millennium Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name New Millennium Bank

Bank Holding Company NMB FINANCIAL CORP

Address 222 Bridge Plz S, Fort Lee, NJ 07024 · Bergen

Website https://nmbonline.com/

FDIC Certificate # 35151

Established 19990719

FDIC Insurance Date 19990719

Domestic Offices 9

Total Branches 9

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.49%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3092%

Return on Equity (ROE) 9.4700%

Non-Performing Loans (NPL) 0.51%

Total Assets $899,076,000

Total Deposits $761,701,000

Equity Capital $131,321,000

Net Income $6,059,000

Headquarters Fort Lee

Total Branches and Offices 9

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

New Millennium Bank earned the Verified Healthy badge

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Frequently Asked Questions About New Millennium Bank

How many branches does New Millennium Bank operate?

New Millennium Bank currently maintains approximately 9 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, New Millennium Bank 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, New Millennium Bank provides members with tools to manage their accounts and build a solid financial history.

Does New Millennium Bank offer online and mobile banking?

Most modern institutions like New Millennium Bank 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://nmbonline.com/.