New Jersey Best CD Rates September 2026

Withdrawal of interest may reduce APY. Early withdrawal penalty may be imposed. At maturity, the CD will automatically renew to the corresponding CD product at the current rate in effect at that time.

Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.

Rates and Terms shown are for CDs opened or renewed online only.

Early Withdrawal Penalty: 1 month interest

Balance: $250,000 - $999,999.99

Balance: $100,000 - $249,999.99

Balance: $500 - $100,000

Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.

Balance: $50,000 - $99,999.99

Balance: $250,000 - $999,999.99

Relationship APY

Balance: $250.00 - $9,999.99

Balance: $100,000 - $249,999.99

Balance: $0.01 - $49,999.99

APY listed paid on $500 minimum balance.

For 6 months Term. Longer terms Earn Higher Interests; No service fee

Interest is not compounded. Interest will be credited to your account at maturity.

Online Only

Fixed Rate

New Money required. Offer subject to change or cancellation at any time without notice. Limited-time offer.

Effective: 12/17/2025

Balance: $25,000 & Over

($10K min NEW money) Interest is Compounded/ Contracted: Monthly/Monthly

Balance: $10,000 - $24,999.99

Balance: $1,000 - $9,999.99

Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.

APYs are effective as of 7/1/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *18-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *24-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

Published APY range: 3.50% - 3.557%. Balance: $1,000

Balance: $250,000 - $999,999.99

Compounded: Monthly

Balance: $10,000 - $24,999.99

INTEREST COMPOUNDED / CREDITED: Continuously/ Monthly

APY* is variable and subject to change.

INTEREST COMPOUNDED / CREDITED: Continuously/ Monthly

Balance: $1,000 - $9,999.99

Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 8/25/2026. 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.

APYs are effective as of 2/4/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

APYs are effective as of 7/1/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *18-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *24-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.

APY listed paid on $500 minimum balance.

APY listed paid on $500 minimum balance.

Effective: 12/17/2025

Compounded: Monthly

Fixed Rate

Minimum Deposit $5,000 Combined

Variable Rate **

**

Minimum Deposit $500