New Jersey CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current New Jersey CD rates include Merck Employees Federal Credit UnionMerck Employees Federal Credit Union126 E LINCOLN AVE, RAHWAY, NJ 07065 4607A+5.0 ★Texas Ratio: 0.22%Real return: +1.45%APY minus CPI (February 2026) offering New Money Regular or IRA 12 month Certificate at 4.25% APY, Ascendia BankAscendia Bank474 Prospect Ave, West Orange, NJ 07052A+5.0 ★Texas Ratio: 1.63%Real return: +1.40%APY minus CPI (February 2026) offering 60 Month CD at 4.20% APY, Jersey Central Federal Credit UnionJersey Central Federal Credit Union23 North Ave E, Cranford, NJ 07016 2196A5.0 ★Texas Ratio: 6.05%Real return: +1.40%APY minus CPI (February 2026) offering 5 year CD at 4.20% APY, Nova UA Federal Credit UnionNova UA Federal Credit Union851 Allwood Rd, Clifton, NJ 07012A+5.0 ★Texas Ratio: 0.88%Real return: +1.32%APY minus CPI (February 2026) offering 3 Month Share Certificate Special at 4.12% APY, and Columbia BankColumbia Bank1500 Irving St, Rahway, NJ 07065A+5.0 ★Texas Ratio: 1.65%Real return: +1.30%APY minus CPI (February 2026) offering 18-Month CD at 4.10% APY. CD rates as of June 23, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in New Jersey side-by-side. New Jersey CD rates currently reach as high as 4.25% APY from Merck Employees Federal Credit Union at 126 E LINCOLN AVE, RAHWAY, NJ 07065 4607. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 23, 2026
Compare Best CD Rates in New Jersey
New Jersey 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
851 Allwood Rd, Clifton, NJ 07012
3 Month Share Certificate Special
$0
4.12%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Community Financial Services Federal Credit Union
Institution Rating:
F3.0 ★Texas Ratio: 34.18%
149 Saint George Ave, Roselle, NJ 07203 2936
Share Certificate - 3 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
3 Month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
3 Month Term
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1410 Saint Georges Ave, Avenel, NJ 07001
3 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 3 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
3 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
76 Engle St, Englewood, NJ 07631
3 Month Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
261 Comly Rd, Lincoln Park, NJ 07035
3 Month Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ 07068
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
3-Month CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Earn 3.55% APY on balances of $500 or more. Account matures in 3 months. $500 minimum opening balance. It's easy to get started with a minimum opening balance of $500. Lock in a competitive rate for a 3-month term - regardless of changing interest rates. After 3 months, you can decide your next steps on your savings. Fund your CD with as much as $500,000 online and up to $1,000,000 in a branch.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
3 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
3 Month CD
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ 07936
3 Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY = ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE.
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ 07936
Share Certificate 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 1 month loss of dividends on a 3-month certificate. This will reduce your earnings on the account. Rates are subject to change without notice. RFCU membership and proper ID are required to open a certificate.
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
3 Month CD
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ 07446
3 Months CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ 07016 2196
3 month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
3 month
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 3 month
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
3-Month CD
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
3-Month Certificate of Deposit
$1,000
2.75%
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Rates and Terms shown are for CDs opened or renewed online only.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
Traditional/Roth IRA 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Traditional/Roth IRA
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
3 month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 3 month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
The Berkshire Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
517 Cedar Ln, Teaneck, NJ 07666
3 months
$0
2.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
3 month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Jumbo Certificate
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
3 month Regular Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Regular
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
Traditional/Roth IRA 3 month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Traditional/Roth IRA
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
3 month
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Regular Certificate
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ 08540 6305
IRA Share Certificate 3 Months
$0
2.30%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
774 Alexander Rd, Princeton, NJ 08540 6305
3 Months
$0
2.30%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ 08610
3 Months
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Dividends on 3 and 6 month certificates are paid at maturity. Early Withdrawal Penalty: 30 Days Dividends
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.43%
524 N Pearl St, Bridgeton, NJ 08302
90 Day Certificate
$0
2.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ 07054 1869
3 Months
$0
1.75%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
253 W Main St, Moorestown, NJ 08057
3 Month
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
3-Month Certificate of Deposit
$0
1.50%
▼
Rate1.48%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Minimum to open is $1,000.
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
3-Month
$1,000
1.50%
▼
Rate1.47%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Cornerstone Bank Moorestown, NJ
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
253 W Main St, Moorestown, NJ 08057
3 Month
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ 08835 1801
3 month Certificate
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
53 S Laurel St, Bridgeton, NJ 08302
3 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
3 Month Business Certificate Account
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
3 Month IRA Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.43%
524 N Pearl St, Bridgeton, NJ 08302
90 Day IRA Certificate
$0
0.99%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
3 Month IRA
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
3 Month Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
3 Month
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
170 S Broadway, Pennsville, NJ 08070
3 Month CD
$2,500
0.75%
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
UpdatedJun 23, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ 08098
3-Month Certificate of Deposit
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
New Jersey 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Financial Services Federal Credit Union
Institution Rating:
F3.0 ★Texas Ratio: 34.18%
149 Saint George Ave, Roselle, NJ 07203 2936
Share Certificate - 6 Month
$0
4.07%
▼
Rate3.99%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ 08610
6 Months
$0
4.02%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Dividends on 3 and 6 month certificates are paid at maturity. Early Withdrawal Penalty: 30 Days Dividends
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ 08003
IRA Certificate of Deposit 6 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
6-Month New Branch Promo
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Certificate of Deposit (CD) 6 months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
975 Hooper Ave, Toms River, NJ 08753
6 Month CD
$5,000
3.85%
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
UpdatedJun 16, 2026
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/9/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
734 Sanford Ave, Newark, NJ 07106
6 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
6 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
6 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ 07016 2196
6 month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
New Money Regular or IRA 6-month Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
6 Months IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 6 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
6 Month Term
$0
3.75%
▼
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
6 Month Online CD
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
6 Month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Online Only
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
64 Old Highway 22, Clinton, NJ 08809
6 Month CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
6 month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
6 Month CD
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
6 Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ 07928
New Money CD 6 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
6 MONTH
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balance: $25,000 & Over
FNB of Elmer
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
10 S Main St, Elmer, NJ 08318
6 Month PROMO
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
($10K min NEW money); Interest is Compounded/ Contracted: Monthly/Monthly
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
6 Month CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
6 MONTH
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balance: $10,000 - $24,999.99
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ 07928
Online CD 6 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ 07928
CD 6 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Opened over the telephone or in a Wealth Center.
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2091 Springdale Rd, Cherry Hill, NJ 08003
6 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
6-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months. It's easy to get started with a minimum opening balance of $500. Lock in a competitive rate for a 6-month term - regardless of changing interest rates. After 6 months, you can decide your next steps on your savings. Fund your CD with as much as $500,000 online and up to $1,000,000 in a branch.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
6-Month Fixed Rate CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
6 Month CD
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
6 MONTH
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balance: $1,000 - $9,999.99
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ 07054 1869
6 Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
6 month Certificate
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
New Money Regular or IRA 6-month Certificate
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
6 month IRA Certificate
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
New Money Regular or IRA 6-month Certificate
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
6 month share certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
6-Month Promo
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ 07068
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
6-Month Certificate of Deposit
$1,000
3.00%
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Rates and Terms shown are for CDs opened or renewed online only.
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
6-Month
$1,000
3.00%
▼
Rate2.92%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
6 Month Online Only CD Special
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Online Only; APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the then current published FCB APY for that term. A penalty will be assessed for early withdrawal and could reduce earnings on this account. Interest and APY rates are subject to change without prior notice.
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
6-Month CD
$0
3.00%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ 07901
6 Month CD
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ 07003
6 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
Traditional/Roth IRA 6 month
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Traditional/Roth IRA
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
6 month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 6 month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
515 Milford Warren Glen Rd, Milford, NJ 08848 1881
Term Share Account (6 Months)
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5100 Harding Hwy Ste 103, Mays Landing, NJ 08330 2260
Share Certificate & IRA Certificates 6 Months
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
New Jersey 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
New Money Regular or IRA 12 month Certificate
$0
4.25%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
9, or 12-month CD
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Special rate.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ 07003
12 Months
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
2
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ 07016 2196
12 month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
12 MONTH CELEBRATION CD
$1,000
4.00%
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
12-Month Celebration CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 12 Month Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
12 month Certificate
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
New Money Regular or IRA 12 month Certificate
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
12 month IRA Certificate
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
New Money Regular or IRA 12 month Certificate
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
12 Month Certificate (IRA Only)
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
IRA Only
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
12 Month (IRA Certificate)
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
IRA Certificate
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
12-Month Promo
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
12 Month
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ 07928
New Money CD 12 Month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
Jumbo Fixed Rate Share Certificates 12-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
Jumbo Traditional, Educational, and Roth IRA Share Certificates 12-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
12 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
12 Months IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
734 Sanford Ave, Newark, NJ 07106
1 Year
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
12-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ 08003
IRA Certificate of Deposit 12 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Over $50,000
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ 07928
Online CD 12 Month
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Only available to existing Premier customers.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
1 year CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ 07928
CD 12 Month
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Opened over the telephone or in a Wealth Center.
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
1 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
Platinum Certificate 12 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
1 year - Fixed rate
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
1 Year Term
$0
3.65%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
IRA Certificate 1 year - Fixed rate
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
12 month IRA share certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
12 month share certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
IRA Certificate 1 year - Fixed rate
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ 08003
IRA Certificate of Deposit 12 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
1 year - Fixed rate
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ 07446
12 Months CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ABCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
690 Beverly Rancocas Road, Willingboro, NJ 08046
12-Month Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
As low as; APR*
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ 08610
1 Year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Early Withdrawal Penalty: 90 Days Dividends
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
1 Year IRA
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ 08094
1-Year Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Early Withdrawal Penalty: 3 Months Interest
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ 08094
12-Month Certificate/IRA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ 08094
Education - 12-Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ 08094
Regular/Roth - 12-Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
35 Main St, South Bound Brook, NJ 08880
12 Months IRA Share Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2091 Springdale Rd, Cherry Hill, NJ 08003
1 Year Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
12-Month
$500
3.50%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
12 Month IRA CD
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
12 Month Online CD
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ 07054 1869
12 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
12 Month CD
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
12 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
New Jersey 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Columbia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
1500 Irving St, Rahway, NJ 07065
18-Month CD
$500
4.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
For a limited time, get a competitive rate with just $500 to open.
Freehold Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
68 W Main St, Freehold, NJ 07728
18-Month CD
$500
4.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
64 Old Highway 22, Clinton, NJ 08809
18 Month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ 07003
18 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
3 | New Deposits Only
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
18 Month CD
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
existing funds
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
220 W Union Ave, Bound Brook, NJ 08805
18 Month Variable IRA
$0
3.94%
▼
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ 07068
18-Month Variable
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
18 Month (Legacy Club)
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Legacy Club
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
18 Month
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
429 Main St, Metuchen, NJ 08840
IRA 18 MONTHS STEADY EARNER
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
429 Main St, Metuchen, NJ 08840
IRA 18 MONTHS MARKET PACER
$25
3.80%
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedJun 23, 2026
Details
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
429 Main St, Metuchen, NJ 08840
18 MONTHS
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Interest Compounded: Continuously, Interest Credited: Monthly
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
18 month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
18 Month CD
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
18 Month IRA CD
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ 07054 1869
18 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6823 Bergenline Ave, Guttenberg, NJ 07093
18 Month Variable Rate IRA Certificate
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Variable Rate **
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
18 month IRA share certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
18 month share certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
18 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ 07446
18 Months CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
975 Hooper Ave, Toms River, NJ 08753
18 Month CD
$5,000
3.60%
▼
Rate3.54%
Min Deposit$5,000
Min Balance—
UpdatedJun 16, 2026
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/11/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for an 18-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
1.5 Year Term
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 18 Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
18 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
18 Months IRA
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
18 Month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
18 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
18 Month IRA
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
18 Month CD
$100
3.40%
▼
Rate3.34%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
18 Month IRA CD
$250
3.40%
▼
Rate3.30%
Min Deposit$250
Min Balance—
UpdatedJun 23, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
IRA Certificates (CDs) 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Haddon Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
201 White Horse Pike, Haddon Heights, NJ 08035
18 Months
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Interest paid Monthly or Quarterly
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
18 MONTH
$0
3.17%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balance: $25,000 & Over
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
18 MONTH
$0
3.06%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balance: $10,000 - $24,999.99
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
18 month
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 18 month
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
18 MONTH
$0
3.01%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balance: $1,000 - $9,999.99
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
18 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
18-Month
$500
3.00%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
120 Windsor Center Dr, East Windsor, NJ 08520
18 Month Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
18 month
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 18 month
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
18-Month Certificate of Deposit
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Rates and Terms shown are for CDs opened or renewed online only.
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ 07901
18 Month CD
$500
2.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
18-Month CD
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
400 Somerset St, New Brunswick, NJ 08901
18-month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
5100 Harding Hwy Ste 103, Mays Landing, NJ 08330 2260
Share Certificate & IRA Certificates 18 Months
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
New Jersey 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ 07016 2196
2 year CD
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
24-Month
$500
4.05%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
429 Main St, Metuchen, NJ 08840
2 YEARS
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
24 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
24 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Haddon Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
201 White Horse Pike, Haddon Heights, NJ 08035
2 Years
$500
3.90%
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Interest paid Monthly or Quarterly
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ 07928
New Money CD 24 Month
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ 07928
CD 24 Month
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Opened over the telephone or in a Wealth Center.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ 07928
Online CD 24 Month
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Only available to existing Premier customers.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
2 year CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
Jumbo Fixed Rate Share Certificates 24-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
Jumbo Traditional, Educational, and Roth IRA Share Certificates 24-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
24-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
2 years - Fixed rate add on
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Add on
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
IRA Certificate 2 years - Fixed rate add on
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Add on
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ 08610
2 Years
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Early Withdrawal Penalty: 90 Days Dividends
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2091 Springdale Rd, Cherry Hill, NJ 08003
2 Year Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
2 years - Fixed rate add on
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Add on
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
IRA Certificate 2 years - Fixed rate add on
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Add on
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
24 month IRA share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
24 month share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
24 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ 07003
24 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
2 Years
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
24 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
24 Months IRA
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ 07068
24-Month Fixed
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ 07068
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
24 Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Special
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
24 Month IRA CD
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
24 Month IRA CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Special
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
24 Month Special CD
$1,000
3.40%
▼
Rate3.34%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Frequency of Crediting Interest: Monthly
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
2 Year Term
$0
3.40%
▼
Rate3.37%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
24 Month CD
$100
3.40%
▼
Rate3.34%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ 08003
IRA Certificate of Deposit 2 Year
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Over $50,000
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
734 Sanford Ave, Newark, NJ 07106
2 Years
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 2 Year Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ 08003
IRA Certificate of Deposit 2 Year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
24 Month Online CD
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
24 Month IRA CD
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
24 Month CD
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
24 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Online Only
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
24-Month Fixed Rate CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
24 Month
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
24 Month Certificate
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
24 Month IRA
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
2 year
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 2 year
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
170 S Broadway, Pennsville, NJ 08070
24 Month CD
$2,500
3.04%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedJun 23, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
2-Year
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
New Jersey 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ 07016 2196
3 year CD
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
36-Month
$500
4.10%
▼
Rate3.96%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ 07068
36-Month Variable
$0
3.89%
▼
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
36 Month
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
3 year CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
Jumbo Fixed Rate Share Certificates 36-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
Jumbo Traditional, Educational, and Roth IRA Share Certificates 36-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
36-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ 08610
3 Years
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Early Withdrawal Penalty: 90 Days Dividends
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2091 Springdale Rd, Cherry Hill, NJ 08003
3 Year Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
36 month IRA share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
36 month share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
3-Year
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
36 Months IRA
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ 07068
36-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
3 Year CD / IRA
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
new money only^
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ 07901
36 Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ 07068
36-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
36 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
3 Years
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
Certificate PLU$ 3 Years
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
36 Month CD
$100
3.40%
▼
Rate3.34%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ 07003
36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
35 Main St, South Bound Brook, NJ 08880
36 Months IRA Share Certificate
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
IRA Certificate 3 years - Fixed rate
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 3 year
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
3 year
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
36-Month CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Earn 3.20% APY on balances of $500 or more.
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
3 years - Fixed rate
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ 08098
Certificate of Deposit Promo 36-Month Bump Up
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
3 Year Term
$0
3.20%
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
3 years Jumbo Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Jumbo
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
Traditional/Roth IRA 3 years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Traditional/Roth IRA
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1434 New Rd, Northfield, NJ 08225
36 months
$25,000
3.05%
▼
Rate3.01%
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1434 New Rd, Northfield, NJ 08225
36 months Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
734 Sanford Ave, Newark, NJ 07106
3 Years
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ 07054 1869
3 Years
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ 07936
Share Certificate 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 6 months loss of dividends on a 1 year+ month certificate. This will reduce your earnings on the account. Rates are subject to change without notice. RFCU membership and proper ID are required to open a certificate.
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ 07936
36 Month Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY = ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE.
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
429 Main St, Metuchen, NJ 08840
3 YEARS
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
400 Somerset St, New Brunswick, NJ 08901
36-month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
36 Month IRA CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1434 New Rd, Northfield, NJ 08225
36 months Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1434 New Rd, Northfield, NJ 08225
36 months
$250
3.00%
▼
Rate2.96%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
36 Month IRA CD
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
36 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
36 Month CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
36 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
Traditional/Roth IRA 3 years
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Traditional/Roth IRA
New Jersey 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
48-Month
$500
4.15%
▼
Rate4.01%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ 07016 2196
4 year CD
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
48 Month
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
4 year CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2091 Springdale Rd, Cherry Hill, NJ 08003
4 Year Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
Jumbo Fixed Rate Share Certificates 48-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
Jumbo Traditional, Educational, and Roth IRA Share Certificates 48-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
48-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
48 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
48 month share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
48 month IRA share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ 07068
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
4-Year
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ 07068
48-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
4 Years
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
Certificate PLU$ 4 Years
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ 07003
48 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
400 Somerset St, New Brunswick, NJ 08901
48-month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
4 year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 4 year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
IRA Certificate 4 years - Fixed rate
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
4 years - Fixed rate
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
4 Year Term
$0
3.20%
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1434 New Rd, Northfield, NJ 08225
48 months Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
4 years Jumbo Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Jumbo
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
Traditional/Roth IRA 4 years
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Traditional/Roth IRA
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1434 New Rd, Northfield, NJ 08225
48 months
$25,000
3.15%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1434 New Rd, Northfield, NJ 08225
48 months
$250
3.10%
▼
Rate3.05%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1434 New Rd, Northfield, NJ 08225
48 months Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
48-Month CD
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Earn 3.05% APY on balances of $500 or more.
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.43%
524 N Pearl St, Bridgeton, NJ 08302
4 Year Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
48 Month IRA CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
4 years Regular Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Regular
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ 07936
48 Month Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY = ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
Traditional/Roth IRA 4 years
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Traditional/Roth IRA
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
48 Month CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 4 year
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
4 year
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
48 MONTH
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ 07054 1869
4 Years
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ 07936
Share Certificate 48 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 6 months loss of dividends on a 1 year+ month certificate. This will reduce your earnings on the account. Rates are subject to change without notice. RFCU membership and proper ID are required to open a certificate.
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
48 Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
48 Month IRA
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
48 Month
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
120 Windsor Center Dr, East Windsor, NJ 08520
4 Year Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
48 Month CD
$500
2.75%
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
48 Month IRA CD
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Haddon Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
201 White Horse Pike, Haddon Heights, NJ 08035
4 Years
$500
2.70%
▼
Rate2.67%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Interest paid Monthly or Quarterly
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
4 years
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Jumbo Certificate
New Jersey 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
60 Month CD
$500
4.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
60-Month
$500
4.20%
▼
Rate4.06%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ 07016 2196
5 year CD
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ 08610
5 Years
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Early Withdrawal Penalty: 180 Days Dividends
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2091 Springdale Rd, Cherry Hill, NJ 08003
5 Year Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
5 year CD
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
60 Month
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
60 Month Certificate
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
Jumbo Fixed Rate Share Certificates 60-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
Jumbo Traditional, Educational, and Roth IRA Share Certificates 60-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
60-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
IRA Certificate 5 Years
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
5 Year IRA Certificate of Deposit
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
60 month share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
60 month IRA share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ 07068
60-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 ADP Blvd, Roseland, NJ 07068
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ 07724
Certificate Accounts & IRAs with a Balance of and over - 60 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$100,000
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
400 Somerset St, New Brunswick, NJ 08901
60-month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
60 Months IRA
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
5-Year
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
5 Years
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
Certificate PLU$ 5 Years
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 5 year
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ 07003
60 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
5 year
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
60 MONTH
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.43%
524 N Pearl St, Bridgeton, NJ 08302
5 Year Certificate
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
2.5 Year Term
$0
3.20%
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
5 years thru 10 years
$0
3.20%
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
5 years thru 10 years - Fixed rate
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
IRA Certificate 5 years thru 10 years - Fixed rate
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
5 years Jumbo Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Jumbo
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
Traditional/Roth IRA 5 years
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Traditional/Roth IRA
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1434 New Rd, Northfield, NJ 08225
60 months Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1434 New Rd, Northfield, NJ 08225
60 months
$25,000
3.15%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1434 New Rd, Northfield, NJ 08225
60 months
$250
3.10%
▼
Rate3.05%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1434 New Rd, Northfield, NJ 08225
60 months Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
5 year
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 5 year
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
5 years Regular Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Regular
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
Traditional/Roth IRA 5 years
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Traditional/Roth IRA
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1410 Saint Georges Ave, Avenel, NJ 07001
60 month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ 07936
60 Month Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY = ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE.
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
429 Main St, Metuchen, NJ 08840
5 YEARS
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ 07936
Share Certificate 60 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 6 months loss of dividends on a 1 year+ month certificate. This will reduce your earnings on the account. Rates are subject to change without notice. RFCU membership and proper ID are required to open a certificate.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ 07054 1869
5 Years
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
60 Month IRA CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
60 Month CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
New Jersey CD Rate Trends
Compare local New Jersey CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — NJ Avg
1.914%
▼ 0.004 vs 7 days ago
New Jersey 12-month CD rates fell 0.004 points over the past 7 days to 1.914% APY.
6-Month CD — NJ Avg
1.619%
▼ 0.032 vs 7 days ago
New Jersey 6-month CD rates fell 0.032 points over the past 7 days to 1.619% APY.
As of Jun 23, 2026 • Rate data sourced from 8,500+ monitored institutions
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NJ CD Rate Forecast — Next 12 Months
Where are New Jersey CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NJ 12-Month Avg APY
1.914%
6-Month Forecast
1.914%
Range: 1.71% – 2.06%
12-Month Forecast
1.664%
Range: 1.46% – 1.81%
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What Your Savings Earn at NJ CD Rates Today
Annual interest earnings at today’s New Jersey average APYs. State average used where available; national average as fallback.
| CD Term | NJ Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.406% | $70.30 | $140.59 | $351.48 | $702.95 |
| 6-Month CD | 1.619% | $80.94 | $161.87 | $404.68 | $809.35 |
| 12-Month CD | 1.914% | $95.71 | $191.42 | $478.55 | $957.10 |
| 18-Month CD | 1.893% | $94.67 | $189.33 | $473.33 | $946.65 |
| 24-Month CD | 1.940% | $97.02 | $194.04 | $485.10 | $970.20 |
| 36-Month CD | 1.952% | $97.61 | $195.22 | $488.05 | $976.10 |
| 48-Month CD | 1.993% | $99.67 | $199.34 | $498.35 | $996.70 |
| 60-Month CD | 1.688% | $84.39 | $168.78 | $421.95 | $843.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 23, 2026. | |||||
Sample CD Ladder for New Jersey Savers
$25,000 split equally across 5 terms using today’s New Jersey average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NJ Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.406% | $70.30 |
| 2 | 6-Month CD | $5,000 | 1.619% | $80.94 |
| 3 | 12-Month CD | $5,000 | 1.914% | $95.71 |
| 4 | 24-Month CD | $5,000 | 1.940% | $97.02 |
| 5 | 36-Month CD | $5,000 | 1.952% | $97.61 |
| Total ($25,000 invested) | $25,000 | 1.766% blended | $441.58/yr | |
Ladder example uses equal $5,000 rungs and New Jersey average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
662
CD Rates
Tracked in New Jersey
Tracked in New Jersey
46 Banks
43 Credit Unions
About Our New Jersey CD Rate Database
MonitorBankRates tracks 662 CD rates from 46 banks and 43 credit unions with locations in New Jersey, plus national online institutions available to New Jersey residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Merck Employees Federal Credit Union offers a CD at 4.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in New Jersey.
How to Find the Best CD Rates in New Jersey
What to compare when shopping for a CD in New Jersey
To find the best APYs in New Jersey, start with credit unions and online-only banks — New Jersey has 43 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in New Jersey
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in New Jersey — 89 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → New Jersey savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → New Jersey money market rates
New Jersey Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
17.2%
National avg: 17.3%
Median Individual Earnings
$55,173
National avg: $47,340
Poverty Rate
9.7%
National avg: 11.1%
Unemployment Rate
6.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$106/yr
At NJ 12-mo avg 1.914% APY
17.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s NJ 12-month CD average of 1.914%, saving 10% of the local median salary ($5,517/year) and putting it in a CD would earn an additional $106 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in New Jersey
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in New Jersey
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in New Jersey typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in New Jersey as everywhere in the U.S.
Choosing a CD Term in New Jersey
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give New Jersey savers easier access to their funds. For example, Community Financial Services Federal Credit Union is offering its Share Certificate - 6 Month at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Ascendia Bank is offering its 60 Month CD at 4.20% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for New Jersey Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a New Jersey saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in New Jersey
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the New Jersey CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in New Jersey
Most CDs carry a fixed rate that is locked for the entire term, protecting a New Jersey depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in New Jersey
Are CD rates in New Jersey FDIC insured?
Yes, most established banks in New Jersey are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in New Jersey?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in New Jersey.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in New Jersey may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in New Jersey?
Here are recent top rates found for this area:
- Merck Employees Federal Credit Union: 4.25% APY (New Money Regular or IRA 12 month Certificate)
- Ascendia Bank: 4.20% APY (60 Month CD)
- Jersey Central Federal Credit Union: 4.20% APY (5 year CD)
- Nova UA Federal Credit Union: 4.12% APY (3 Month Share Certificate Special)
- Columbia Bank: 4.10% APY (18-Month CD)
- Freehold Bank: 4.10% APY (18-Month CD)
- Community Financial Services Federal Credit Union: 4.07% APY (Share Certificate - 6 Month)
- Healthcare Employees Federal Credit Union: 4.06% APY (9, or 12-month CD)
- XCEL Federal Credit Union: 4.05% APY (12 Months)
- Self Reliance NY Federal Credit Union: 4.02% APY (6 Months)
Rates reflect recent verified offers available in New Jersey. Last Updated: June 23, 2026
CD Calculators for New Jersey
New Jersey CD Calculator
At today’s NJ top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
New Jersey CD LadderNJ CD rates currently range from 1.406% (3-month) to 1.952% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a New Jersey CD at 4.25% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew Jersey’s average 12-month CD is 1.914% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Jersey CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for New Jersey directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in New Jersey. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NJ.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: June 23, 2026
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