What are the current interest rates at New Millennium Bank?

Current rates for New Millennium Bank include: 12-Month CD: 3.65%, 18-Month CD: 3.50%, 24-Month CD: 3.25%, 36-Month CD: 2.00%, 48-Month CD: 2.00%, 60-Month CD: 2.00%, Savings: 0.20%, MMA: 1.75%

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New Millennium Bank Rates & Review April 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: April 17, 2026

New Millennium Bank's Certificates of Deposit 3-Month Certificate rates are at 3.75%, Certificates of Deposit 6-Month Certificate rates are at 3.75%, Certificates of Deposit 9-Month Certificate rates are at 3.70%, Certificates of Deposit 12-Month Certificate rates are at 3.65%, Certificates of Deposit 18-Month Certificate rates are at 3.50%. New Millennium Bank's savings rates are at 0.20%. 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 3.04%. Rates were last updated on 04/17/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.04%

Excellent Lower than avg

New Millennium Bank

222 Bridge Plz S
Fort Lee, NJ 07024

https://nmbonline.com/

New Millennium Bank CD Rates

Product	Rate	APY	Term
Certificates of Deposit 3 Month Certificate	-	3.75%	3
Min Deposit $500 Details ($500.00 Minimum to open and obtain APY) (Fixed Rate) Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Certificates of Deposit 6 Month Certificate	-	3.75%	6
Min Deposit $500 Details ($500.00 Minimum to open and obtain APY) (Fixed Rate) Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Certificates of Deposit 9 Month Certificate	-	3.70%	9
Min Deposit $500 Details ($500.00 Minimum to open and obtain APY) (Fixed Rate) Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Certificates of Deposit 12 Month Certificate	-	3.65%	12
Min Deposit $500 Details ($500.00 Minimum to open and obtain APY) (Fixed Rate) Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Certificates of Deposit 18 Month Certificate	-	3.50%	18
Min Deposit $500 Details ($500.00 Minimum to open and obtain APY) (Fixed Rate) Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
24 Certificates of Deposit 2 Year Certificate	-	3.25%	24
Min Deposit $500 Details ($500.00 Minimum to open and obtain APY) (Fixed Rate) Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Certificates of Deposit 10 Month Certificate	-	3.00%	10
Min Deposit $500 Details ($500.00 Minimum to open and obtain APY) (Fixed Rate) Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Certificates of Deposit 4 Month Certificate	-	3.00%	4
Min Deposit $500 Details ($500.00 Minimum to open and obtain APY) (Fixed Rate) Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
36 Certificates of Deposit 3 Year Certificate	-	2.00%	36
Min Deposit $500 Details ($500.00 Minimum to open and obtain APY) (Fixed Rate) Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
48 Certificates of Deposit 4 Year Certificate	-	2.00%	48
Min Deposit $500 Details ($500.00 Minimum to open and obtain APY) (Fixed Rate) Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
60 Certificates of Deposit 5 Year Certificate	-	2.00%	60
Min Deposit $500 Details ($500.00 Minimum to open and obtain APY) (Fixed Rate) Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%

New Millennium Bank Savings Rates

Product	Rate	APY
Super Savings	-	2.75%
Min Deposit $10,000 Min Balance $500,000 Details $10,000.00 Minimum to open and minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Super Savings	-	2.50%
Min Deposit $10,000 Min Balance $250,000 Details $10,000.00 Minimum to open and minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Super Savings	-	2.25%
Min Deposit $10,000 Min Balance $100,000 Details $10,000.00 Minimum to open and minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Super Savings	-	2.00%
Min Deposit $10,000 Min Balance $10,000 Details $10,000.00 Minimum to open and minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Neighborhood Savings	-	0.20%
Min Deposit $50 Min Balance $0 Details Minimum to obtain APY is .01 $50 Minimum to open and minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00 Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%

New Millennium Bank Money Market Rates

Product	Rate	APY
SMART Money Market Account	-	3.50%
Min Deposit $100,000 Min Balance $1,000,000 Details $100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
SMART Money Market Account	-	3.25%
Min Deposit $100,000 Min Balance $500,000 Details $100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
SMART Money Market Account	-	3.00%
Min Deposit $100,000 Min Balance $250,000 Details $100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
SMART Money Market Account	-	2.75%
Min Deposit $100,000 Min Balance $100,000 Details $100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Money Market Account	-	2.50%
Min Deposit $1,000 Min Balance $500,000 Details $1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Money Market Account	-	2.25%
Min Deposit $1,000 Min Balance $250,000 Details $1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Money Market Account	-	2.00%
Min Deposit $1,000 Min Balance $100,000 Details $1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Money Market Account	-	1.75%
Min Deposit $1,000 Min Balance $1,000 Details $1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%

New Millennium Bank Checking Rates

Product	Rate	APY	View More
Business Interest Checking	-	0.15%
Min Deposit $500 Min Balance $500 Details (For Sole Proprietorship and Not-For-Profit accounts only) $500.00 Minimum to open and earn APY disclosed If daily balance falls below $5,000 at any time during the statement cycle a 20.00 minimum balance fee will apply. Last Updated 04/17/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%

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.

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 07/19/1999

FDIC Insurance Date 07/19/1999

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

3.04%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0593%

Return on Equity (ROE) 11.1900%

Non-Performing Loans (NPL) 0.30%

Total Assets $953,009,000

Total Deposits $822,206,000

Equity Capital $124,735,000

Net Income $10,909,000

Headquarters Fort Lee

Total Offices 9

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About New Millennium Bank

Is New Millennium Bank a safe place to deposit money?

Yes, New Millennium Bank is considered a safe financial institution. With a Texas Ratio of 3.0385870062296%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

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/.