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CD Rate Trends

New Jersey Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

New Jersey CD rates range from 0.05% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. Current New Jersey CD rates include Popular DirectPopular Direct500 Bloomfield Ave, Newark, NJ 07107A+5.0 ★Texas Ratio: 2.12%Real return: +2.20%APY minus CPI (February 2026) offering 60 Month Certificate at 5.00% APY, Somerset Savings BankSomerset Savings Bank220 W Union Ave, Bound Brook, NJ 08805A+5.0 ★Texas Ratio: 0.00%Real return: +1.80%APY minus CPI (February 2026) offering 18 Month Variable IRA Certificate at 4.60% APY, Kinecta Federal Credit UnionKinecta Federal Credit Union175 Park Ave, Madison, NJ 07940A+5.0 ★Texas Ratio: 3.82%Real return: +1.70%APY minus CPI (February 2026) offering 18-Month Promo Certificate at 4.50% APY, USALLIANCEUSALLIANCE1 Corporate Dr, Wayne, NJ 07470 3112A5.0 ★Texas Ratio: 8.11%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Certificate at 4.50% APY, and Healthcare Employees Federal Credit UnionHealthcare Employees Federal Credit Union29 Emmons Dr Ste C40, Princeton, NJ 08540 5971A+5.0 ★Texas Ratio: 2.73%Real return: +1.67%APY minus CPI (February 2026) offering Share Certificate - 12 Month at 4.47% APY. CD rates as of October 13, 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 5.00% APY from Popular Direct at 500 Bloomfield Ave, Newark, NJ 07107. Rates are continually updated, so 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: October 13, 2026

Compare Best CD Rates in New Jersey

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New Jersey 3 Month CD Rates

MonitorBankRates New Jersey Average · 3 Month CD2.12% APY▲ 0.06% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in New Jersey is 2.12% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
500 Bloomfield Ave, Newark, NJ 07107
3 Month Certificate
$0
4.30% ▲ 2.18% above New Jersey avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.12%▲ 2.18% above avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 6, 2026: 4.30% APYOct 6, 2026Oct 13, 2026
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
300 Tice Boulevard 3rd Floor, Woodcliff Lake, NJ 07677
3 Month Certificate of Deposits
$100,000
4.10% ▲ 1.98% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.12%▲ 1.98% above avgNationally 2.09%
Details

Minimum $100,000 required to open an account.

Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 27, 2026: 4.10% APYSep 27, 2026Oct 13, 2026
Community Financial Services FCU
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
149 Saint George Ave, Roselle, NJ 07203 2936
Share Certificate - 3 Month
$0
3.82% ▲ 1.70% above New Jersey avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 1.70% above avgNationally 2.09%
Details

Minimum balance to open account: $2500; 90-day dividend penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
2115 Linwood Ave, Fort Lee, NJ 07024
3 Month Certificate
$0
3.75% ▲ 1.63% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.12%▲ 1.63% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
1410 Saint Georges Ave, Avenel, NJ 07001
3 Month Certificate
$0
3.75% ▲ 1.63% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.12%▲ 1.63% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
1410 Saint Georges Ave, Avenel, NJ 07001
3 Month IRA Certificate
$0
3.75% ▲ 1.63% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.12%▲ 1.63% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 3 Month Certificate
$500
3.75% ▲ 1.63% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 1.63% above avgNationally 2.09%
Details

($500.00 Minimum to open and obtain APY) (Fixed Rate)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
2053 Lemoine Ave, Fort Lee, NJ 07024
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70% ▲ 1.58% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.12%▲ 1.58% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
261 Comly Rd, Lincoln Park, NJ 07035
3 Month Certificate
$0
3.70% ▲ 1.58% above New Jersey avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 1.58% above avgNationally 2.09%
Details

APY1

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 13, 2026
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
261 Comly Rd, Lincoln Park, NJ 07035
Business 3 Month Certificate
$0
3.70% ▲ 1.58% above New Jersey avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 1.58% above avgNationally 2.09%
Details

Rate History
No change since Sep 28, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 28, 2026: 3.70% APYSep 28, 2026Oct 13, 2026
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
261 Comly Rd, Lincoln Park, NJ 07035
IRA 3 Month Certificate
$0
3.70% ▲ 1.58% above New Jersey avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 1.58% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 8, 2026: 3.70% APYOct 8, 2026Oct 13, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1585 Oak Tree Rd, Iselin, NJ 08830
3 Month Certificate
$0
3.65% ▲ 1.53% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.12%▲ 1.53% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.65% ▼ 0.85 pts · high 4.50% / low 3.65%
2.80%4.07%5.35%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.65%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Certificates - 3 Month
$0
3.65% ▲ 1.53% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 1.53% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
439 Livingston Ave, New Brunswick, NJ 08901
3 Month Certificate of Deposit
$0
3.60% ▲ 1.48% above New Jersey avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.12%▲ 1.48% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1 ADP Blvd, Roseland, NJ 07068
3 Month IRA Certificate
$0
3.60% ▲ 1.48% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.12%▲ 1.48% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1 ADP Blvd, Roseland, NJ 07068
3 Month Share Certificates
$0
3.60% ▲ 1.48% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.12%▲ 1.48% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
Pennsville National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
170 S Broadway, Pennsville, NJ 08070
3 Month CD
$2,500
3.56% ▲ 1.44% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 1.44% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 24, 2026: 3.56% APYSep 24, 2026Oct 13, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
237 Washington Ave, Belleville, NJ 07109
3-Month Certificate of Deposit
$500
3.55% ▲ 1.43% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.12%▲ 1.43% above avgNationally 2.09%
Details

Earn 3.55% APY on balances of $500 or more.

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
3 Month Request Appointment
$1,000
3.50% ▲ 1.38% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.12%▲ 1.38% above avgNationally 2.09%
Details

CD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice.

Rate History
No change since Sep 27, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 27, 2026: 3.50% APYSep 27, 2026Oct 13, 2026
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
621 Washington St, Hoboken, NJ 07030
3 Month CD
$500
3.50% ▲ 1.38% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 1.38% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 13, 2026
The Atlantic Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
1331 Magie Ave, Union, NJ 07083
3 Month ULTRA Share Certificate
$100,000
3.50% ▲ 1.38% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 1.38% above avgNationally 2.09%
Details

ULTRA

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
124 S Ridgedale AVe, East Hanover, NJ 07936
3 Month Share Certificate
$500
3.50% ▲ 1.38% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 1.38% above avgNationally 2.09%
Details

Dividends paid monthly; minimum certificate deposit $500

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
851 Allwood Rd, Clifton, NJ 07012
3 Month Share Certificate Special
$0
3.50% ▲ 1.38% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.12%▲ 1.38% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
4400 Us Highway 9, Freehold, NJ 07728
3 Month CD
$500
3.40% ▲ 1.28% above New Jersey avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.12%▲ 1.28% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
78 Washington Ave, Westwood, NJ 07675
Share Certificate - 3-Month
$500
3.25% ▲ 1.13% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.12%▲ 1.13% above avgNationally 2.09%
Details

Rate Type: Fixed

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
2.65%3.20%3.75%Sep 14, 2026: 3.15% APYOct 5, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.25%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
5901 Route 42, Turnersville, NJ 08012 1497
3 Month IRA Certificate
$1,000
3.05% ▲ 0.93% above New Jersey avg
View
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 0.93% above avgNationally 2.09%
Details

IRA Certificate; $1,000 Minimum

Rate History
1 change since Sep 16, 2026 · 2.80% → 3.05% ▲ 0.25 pts · high 3.05% / low 2.80%
2.30%2.93%3.55%Sep 16, 2026: 2.80% APYOct 4, 2026: 3.05% APYSep 16, 2026Oct 13, 2026
  • Oct 4, 20263.05%▲ from 2.80%
  • Sep 16, 20262.80%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
5901 Route 42, Turnersville, NJ 08012 1497
Jumbo Certificates - 3 month
$50,000
3.05% ▲ 0.93% above New Jersey avg
View
▼
Rate3.01%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 0.93% above avgNationally 2.09%
Details

Jumbo Certificate; $50,000 minimum

Rate History
1 change since Sep 16, 2026 · 2.80% → 3.05% ▲ 0.25 pts · high 3.05% / low 2.80%
2.30%2.93%3.55%Sep 16, 2026: 2.80% APYOct 12, 2026: 3.05% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20263.05%▲ from 2.80%
  • Sep 16, 20262.80%first recorded
1st Bergen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
392 Main St, Hackensack, NJ 07601 5805
3 Month Certificate
$0
3.03% ▲ 0.91% above New Jersey avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.12%▲ 0.91% above avgNationally 2.09%
Details

Share Certificate; Annual Percentage Rate 3.00%

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 8 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3 Sunset Road And Route 541, Burlington, NJ 08016
Fixed Rate of Return - 3 Month
$2,500
3.00% ▲ 0.88% above New Jersey avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.12%▲ 0.88% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
The Atlantic Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
1331 Magie Ave, Union, NJ 07083
3 Month Share Certificate
$500
3.00% ▲ 0.88% above New Jersey avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 0.88% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
35 Main St, South Bound Brook, NJ 08880
Share Certificate 3 month SC
$1,000
2.88% ▲ 0.76% above New Jersey avg
View
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.12%▲ 0.76% above avgNationally 2.09%
Details

Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 2.88% APY
2.38%2.88%3.38%Oct 13, 2026: 2.88% APYOct 13, 2026Oct 13, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
5901 Route 42, Turnersville, NJ 08012 1497
Certificates - 3 month
$0
2.80% ▲ 0.68% above New Jersey avg
View
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 0.68% above avgNationally 2.09%
Details

Balance: $1,000 - $49,999

Rate History
1 change since Sep 16, 2026 · 2.55% → 2.80% ▲ 0.25 pts · high 2.80% / low 2.55%
2.05%2.68%3.30%Sep 16, 2026: 2.55% APYOct 12, 2026: 2.80% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20262.80%▲ from 2.55%
  • Sep 16, 20262.55%first recorded
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
615 Burlington Ave, Delanco, NJ 08075
3 Month CD
$500
2.75% ▲ 0.63% above New Jersey avg
View
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.12%▲ 0.63% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
3 Month Certificate
$0
2.75% ▲ 0.63% above New Jersey avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 0.63% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
Princeton Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
774 Alexander Rd, Princeton, NJ 08540 6305
3 Month Youth, Teen, Young Adult Share Certificate
$100
2.63% ▲ 0.51% above New Jersey avg
View
▼
Rate2.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.12%▲ 0.51% above avgNationally 2.09%
Details

Minimum Balance To Obtain APY $100.00

Rate History
No change since Oct 13, 2026 · 2.63% APY
2.13%2.63%3.13%Oct 13, 2026: 2.63% APYOct 13, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
3 Month Jumbo Certificate
$0
2.60% ▲ 0.48% above New Jersey avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 0.48% above avgNationally 2.09%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 2.60% APY · checked 4 times
2.10%2.60%3.10%Sep 25, 2026: 2.60% APYSep 25, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
3 Month Traditional/Roth IRA Share Certificate
$0
2.60% ▲ 0.48% above New Jersey avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 0.48% above avgNationally 2.09%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 8, 2026: 2.60% APYOct 8, 2026Oct 13, 2026
Princeton Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
774 Alexander Rd, Princeton, NJ 08540 6305
Share Certificate - 3 Months
$1,000
2.53% ▲ 0.41% above New Jersey avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.12%▲ 0.41% above avgNationally 2.09%
Details

Minimum balance to open and obtain APY

Rate History
1 change since Sep 14, 2026 · 2.30% → 2.53% ▲ 0.23 pts · high 2.53% / low 2.30%
1.80%2.42%3.03%Sep 14, 2026: 2.30% APYSep 25, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20262.53%▲ from 2.30%
  • Sep 14, 20262.30%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
3 Month Business Jumbo Certificate
$0
2.50% ▲ 0.38% above New Jersey avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 0.38% above avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
3 Month Regular Certificate
$0
2.50% ▲ 0.38% above New Jersey avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 0.38% above avgNationally 2.09%
Details

Regular

Rate History
No change since Sep 25, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 25, 2026: 2.50% APYSep 25, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
3 Month Traditional/Roth IRA Share Certificate
$0
2.50% ▲ 0.38% above New Jersey avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 0.38% above avgNationally 2.09%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
3 Month Business Regular Certificate
$0
2.40% ▲ 0.28% above New Jersey avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 0.28% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Oct 8, 2026: 2.40% APYOct 8, 2026Oct 13, 2026
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6823 Bergenline Ave, Guttenberg, NJ 07093
3 Month Certificate
$500
2.30% ▲ 0.18% above New Jersey avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.12%▲ 0.18% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.30% APY · checked 3 times
1.80%2.30%2.80%Sep 24, 2026: 2.30% APYSep 24, 2026Oct 13, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
477 Jeremiah Ave, Trenton, NJ 08610
Certificate - 3 Month
$500
2.27% ▲ 0.15% above New Jersey avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 0.15% above avgNationally 2.09%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 7 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
477 Jeremiah Ave, Trenton, NJ 08610
IRA Certificate - 3 Month
$500
2.27% ▲ 0.15% above New Jersey avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 0.15% above avgNationally 2.09%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Oct 8, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 8, 2026: 2.27% APYOct 8, 2026Oct 13, 2026
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.27%
23 North Ave E, Cranford, NJ 07016 2196
3 month CD
$500
2.25% ▲ 0.13% above New Jersey avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▲ 0.13% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 8, 2026: 2.25% APYOct 8, 2026Oct 13, 2026
Bridgeton Onized Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.66%
524 N Pearl St, Bridgeton, NJ 08302
90 Day Certificate
$0
2.08% ▼ 0.04% below New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.12%▼ 0.04% below avgNationally 2.09%
Details

Rate History
1 change since Sep 25, 2026 · 2.06% → 2.08% ▲ 0.02 pts · high 2.08% / low 2.06%
1.56%2.07%2.58%Sep 25, 2026: 2.06% APYOct 4, 2026: 2.08% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20262.08%▲ from 2.06%
  • Sep 25, 20262.06%first recorded
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
517 Cedar Ln, Teaneck, NJ 07666
3 months Certificate
$0
2.02% ▼ 0.10% below New Jersey avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.12%▼ 0.10% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 19, 2026: 2.02% APYSep 19, 2026Oct 13, 2026
Pinnacle Federal Credit Union 2909 Washington Rd Ste 10, Parlin, NJ 08859
3 Month Share Certificates
$0
1.75% ▼ 0.37% below New Jersey avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 25, 2026
New Jersey Average2.12%▼ 0.37% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Garden Savings FCU
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
129 Littleton Rd, Parsippany, NJ 07054 1869
3 Month Share Certificates
$0
1.75% ▼ 0.37% below New Jersey avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.12%▼ 0.37% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026

New Jersey 6 Month CD Rates

MonitorBankRates New Jersey Average · 6 Month CD2.67% APY▲ 0.01% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in New Jersey is 2.67% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
6 Month High-Yield CD
$500
4.40% ▲ 1.73% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.67%▲ 1.73% above avgNationally 2.78%
Details

10-Day CD Rate Guarantee

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
500 Bloomfield Ave, Newark, NJ 07107
6 Month Certificate
$0
4.35% ▲ 1.68% above New Jersey avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.67%▲ 1.68% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
500 Bloomfield Ave, Newark, NJ 07107
6-month CD
$10,000
4.35% ▲ 1.68% above New Jersey avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.67%▲ 1.68% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 24, 2026: 4.15% APYOct 1, 2026: 4.25% APYOct 6, 2026: 4.35% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.35%▲ from 4.25%
  • Oct 1, 20264.25%▲ from 4.15%
  • Sep 24, 20264.15%first recorded
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
Share Certificate - 6 Month
$1,000
4.33% ▲ 1.66% above New Jersey avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 1.66% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.33% ▲ 0.38 pts · high 4.33% / low 3.95%
3.45%4.14%4.83%Sep 14, 2026: 3.95% APYSep 25, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.33%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
35 Journal Sq, Jersey City, NJ 07306
6 Month 360 CDs
$0
4.30% ▲ 1.63% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.63% above avgNationally 2.78%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
6-Month Freehold Promo
$500
4.25% ▲ 1.58% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.58% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
County Educators Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.17%
16 E Lincoln Ave, Roselle Park, NJ 07204 1743
6 Month Share Certificates
$50,000
4.21% ▲ 1.54% above New Jersey avg
View
▼
Rate4.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.54% above avgNationally 2.78%
Details

Balance: $50,000.00 and Higher

Rate History
1 change since Sep 30, 2026 · 4.06% → 4.21% ▲ 0.15 pts · high 4.21% / low 4.06%
3.56%4.14%4.71%Sep 30, 2026: 4.06% APYOct 8, 2026: 4.21% APYSep 30, 2026Oct 13, 2026
  • Oct 8, 20264.21%▲ from 4.06%
  • Sep 30, 20264.06%first recorded
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
64 Old Highway 22, Clinton, NJ 08809
6 Month CD
$1,000
4.20% ▲ 1.53% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.53% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
970 Broad St, Newark, NJ 07102 2534
6 Month Share Certificate
$1,000
4.16% ▲ 1.49% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.49% above avgNationally 2.78%
Details

Share Certificate and IRA Certificate rates; effective Sept. 2026; ** One thousand dollar minimum**; early withdrawal penalty 25 basis points (1/4 %) per quarter

Rate History
1 change since Sep 17, 2026 · 3.44% → 4.16% ▲ 0.72 pts · high 4.16% / low 3.44%
2.72%3.80%4.88%Sep 17, 2026: 3.44% APYOct 12, 2026: 4.16% APYSep 17, 2026Oct 13, 2026
  • Oct 12, 20264.16%▲ from 3.44%
  • Sep 17, 20263.44%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
300 Tice Boulevard 3rd Floor, Woodcliff Lake, NJ 07677
6 Month Certificate of Deposits
$100,000
4.15% ▲ 1.48% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.48% above avgNationally 2.78%
Details

Minimum $100,000 required to open an account.

Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 27, 2026: 4.15% APYSep 27, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
36 Pacific St, Newark, NJ 07105
6-MONTH CD
$2,500
4.10% ▲ 1.43% above New Jersey avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.67%▲ 1.43% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Community Financial Services FCU
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
149 Saint George Ave, Roselle, NJ 07203 2936
Share Certificate - 6 Month
$0
4.07% ▲ 1.40% above New Jersey avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.40% above avgNationally 2.78%
Details

Minimum balance to open account: $2500; 90-day dividend penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
5080 McLester St, Elizabeth, NJ 07201
Share Certificate - 6 Months
$0
4.07% ▲ 1.40% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 1.40% above avgNationally 2.78%
Details

Share Certificate Type

Rate History
No change since Sep 30, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 30, 2026: 4.07% APYSep 30, 2026Oct 13, 2026
County Educators Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.17%
16 E Lincoln Ave, Roselle Park, NJ 07204 1743
6 Month Share Certificates
$500
4.06% ▲ 1.39% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.39% above avgNationally 2.78%
Details

Balance: $500.00-$49,999.99

Rate History
No change since Sep 30, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 30, 2026: 4.06% APYSep 30, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
407 Main St, Chatham, NJ 07928
6 Month CD
$1,000
4.05% ▲ 1.38% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.38% above avgNationally 2.78%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
407 Main St, Chatham, NJ 07928
6 Month New Money CD
$1,000
4.05% ▲ 1.38% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.38% above avgNationally 2.78%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Oct 13, 2026
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1 Squibb Dr, New Brunswick, NJ 08901 1588
6 Month Share Certificates
$0
4.01% ▲ 1.34% above New Jersey avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.34% above avgNationally 2.78%
Details

Amount: $1,000; APR/APY printed as range 3.95%-4.01%

Rate History
No change since Oct 12, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 12, 2026: 4.01% APYOct 12, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
407 Main St, Chatham, NJ 07928
6 Month CD
$1,000
4.00% ▲ 1.33% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.33% above avgNationally 2.78%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
407 Main St, Chatham, NJ 07928
6 Month Online CD
$1,000
4.00% ▲ 1.33% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.33% above avgNationally 2.78%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
6-Month New Branch Promo
$500
4.00% ▲ 1.33% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.33% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2091 Springdale Rd, Cherry Hill, NJ 08003
6 Month Certificate of Deposit
$0
4.00% ▲ 1.33% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 1.33% above avgNationally 2.78%
Details

Effective May 28, 2025; penalty imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
522 ADAMS ST, HOBOKEN, NJ 07030 2002
6 month Share Certificate
$0
3.96% ▲ 1.29% above New Jersey avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.29% above avgNationally 2.78%
Details

Rate History
1 change since Sep 16, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80%
3.30%3.88%4.46%Sep 16, 2026: 3.80% APYOct 8, 2026: 3.96% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20263.96%▲ from 3.80%
  • Sep 16, 20263.80%first recorded
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
734 Sanford Ave, Newark, NJ 07106
Certificate - 6 Month
$0
3.95% ▲ 1.28% above New Jersey avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.28% above avgNationally 2.78%
Details

Dividends post at certificate maturity; Maximum Balance: $1,000,000 per member; Withdrawal before maturity subject to penalty

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
734 Sanford Ave, Newark, NJ 07106
IRA Certificate 6 months
$0
3.95% ▲ 1.28% above New Jersey avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.28% above avgNationally 2.78%
Details

IRA Certificate; Rates effective as of 10/12/2026; NCUA-insured: Yes

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 13, 2026
The Atlantic Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
1331 Magie Ave, Union, NJ 07083
6 Month ULTRA Share Certificate
$100,000
3.92% ▲ 1.25% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.25% above avgNationally 2.78%
Details

ULTRA

Rate History
No change since Oct 8, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 8, 2026: 3.92% APYOct 8, 2026Oct 13, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
477 Jeremiah Ave, Trenton, NJ 08610
Certificate - 6 Month
$500
3.92% ▲ 1.25% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.25% above avgNationally 2.78%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
477 Jeremiah Ave, Trenton, NJ 08610
IRA Certificate - 6 Month
$500
3.92% ▲ 1.25% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.25% above avgNationally 2.78%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Oct 8, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 8, 2026: 3.92% APYOct 8, 2026Oct 13, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
439 Livingston Ave, New Brunswick, NJ 08901
6 Month Certificate of Deposit
$0
3.85% ▲ 1.18% above New Jersey avg
View
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.18% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
444 Hoes Ln, Piscataway, NJ 08854
Account 6 Month Pick Your Term
$5,000
3.85% ▲ 1.18% above New Jersey avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.18% above avgNationally 2.78%
Details

Balance: $5,000 or more

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
6 month Certificate
$0
3.85% ▲ 1.18% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.18% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 13, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
6 month IRA Certificate
$0
3.85% ▲ 1.18% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.18% above avgNationally 2.78%
Details

Rate History
No change since Oct 4, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 4, 2026: 3.85% APYOct 4, 2026Oct 13, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Certificates - 6 Month
$0
3.85% ▲ 1.18% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.18% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
6 month CD
$1,000
3.85% ▲ 1.18% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.67%▲ 1.18% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
3821 Bergenline Ave, Union City, NJ 07087
6 Month Certificate of Deposit
$0
3.80% ▲ 1.13% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.13% above avgNationally 2.78%
Details

Longer terms Earn Higher Interests

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
6 Month Certificate
$0
3.76% ▲ 1.09% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 7 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 13, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
2053 Lemoine Ave, Fort Lee, NJ 07024
WooriWON Certificate of Deposit (CD) - 6-Months
$1,000
3.75% ▲ 1.08% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.08% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1585 Oak Tree Rd, Iselin, NJ 08830
6 Month Certificate
$0
3.75% ▲ 1.08% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.08% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.75% ▼ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.75%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 6 Month Certificate
$500
3.75% ▲ 1.08% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.08% above avgNationally 2.78%
Details

($500.00 Minimum to open and obtain APY) (Fixed Rate)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
107 Pulaski St, Newark, NJ 07105
6-Month CD
$0
3.75% ▲ 1.08% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.08% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
619 Union Ave, Middlesex, NJ 08846
6 Month CD
$1,000
3.67% ▲ 1.00% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 1.00% above avgNationally 2.78%
Details

Effective June 1, 2024

Rate History
No change since Sep 21, 2026 · 3.67% APY · checked 5 times
3.17%3.67%4.17%Sep 21, 2026: 3.67% APYSep 21, 2026Oct 13, 2026
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
4400 Us Highway 9, Freehold, NJ 07728
6 Month CD
$500
3.65% ▲ 0.98% above New Jersey avg
View
▼
Rate3.58%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 0.98% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
2115 Linwood Ave, Fort Lee, NJ 07024
6 Month Certificate
$0
3.65% ▲ 0.98% above New Jersey avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 0.98% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 6 MONTH
$0
3.65% ▲ 0.98% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 0.98% above avgNationally 2.78%
Details

Balance: $25,000 & Over

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
621 Washington St, Hoboken, NJ 07030
6 Month CD
$500
3.60% ▲ 0.93% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 0.93% above avgNationally 2.78%
Details

Rate History
No change since Sep 20, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 20, 2026: 3.60% APYSep 20, 2026Oct 13, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 6 MONTH
$0
3.60% ▲ 0.93% above New Jersey avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 0.93% above avgNationally 2.78%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 6 MONTH
$0
3.55% ▲ 0.88% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 0.88% above avgNationally 2.78%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2091 Springdale Rd, Cherry Hill, NJ 08003
6 Month Certificate
$500
3.51% ▲ 0.84% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.67%▲ 0.84% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 7 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
237 Washington Ave, Belleville, NJ 07109
6-Month CD
$500
3.50% ▲ 0.83% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 0.83% above avgNationally 2.78%
Details

Earn 3.50% APY on balances of $500 or more.

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
6 Month CD Account
$1,000
3.50% ▲ 0.83% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 0.83% above avgNationally 2.78%
Details

Online Only

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
6 Month Open CD Account
$1,000
3.50% ▲ 0.83% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 0.83% above avgNationally 2.78%
Details

CD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice.

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026

New Jersey 12 Month CD Rates

MonitorBankRates New Jersey Average · 12 Month CD2.89% APY▲ 0.01% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in New Jersey is 2.89% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1 Corporate Dr, Wayne, NJ 07470 3112
12 Month Certificate
$0
4.50% ▲ 1.61% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.61% above avgNationally 2.99%
Details

Special Rate

Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
3.86%4.43%5.00%Sep 14, 2026: 4.36% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.50%▲ from 4.36%
  • Sep 14, 20264.36%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
500 Bloomfield Ave, Newark, NJ 07107
12 Month Certificate
$0
4.50% ▲ 1.61% above New Jersey avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.61% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
500 Bloomfield Ave, Newark, NJ 07107
12-month CD
$10,000
4.50% ▲ 1.61% above New Jersey avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.61% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 24, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 24, 2026: 4.25% APYOct 1, 2026: 4.40% APYOct 6, 2026: 4.50% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.50%▲ from 4.40%
  • Oct 1, 20264.40%▲ from 4.25%
  • Sep 24, 20264.25%first recorded
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
Share Certificate - 12 Month
$1,000
4.47% ▲ 1.58% above New Jersey avg
View
▼
Rate4.38%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.89%▲ 1.58% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.47% ▲ 0.41 pts · high 4.47% / low 4.06%
3.56%4.26%4.97%Sep 14, 2026: 4.06% APYSep 25, 2026: 4.47% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.47%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
12 months High-Yield CD
$500
4.40% ▲ 1.51% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.51% above avgNationally 2.99%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
3.40%4.15%4.90%Sep 14, 2026: 3.90% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
407 Main St, Chatham, NJ 07928
12 Month CD
$1,000
4.35% ▲ 1.46% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.46% above avgNationally 2.99%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
407 Main St, Chatham, NJ 07928
12 Month New Money CD
$1,000
4.35% ▲ 1.46% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.46% above avgNationally 2.99%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2100 Route 38, Cherry Hill, NJ 08002
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.46% above New Jersey avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.46% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
35 Journal Sq, Jersey City, NJ 07306
12 Month 360 CDs
$0
4.30% ▲ 1.41% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.41% above avgNationally 2.99%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
407 Main St, Chatham, NJ 07928
12 Month CD
$1,000
4.30% ▲ 1.41% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.41% above avgNationally 2.99%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
407 Main St, Chatham, NJ 07928
12 Month Online CD
$1,000
4.30% ▲ 1.41% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.41% above avgNationally 2.99%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 27, 2026: 4.30% APYSep 27, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
36 Pacific St, Newark, NJ 07105
12-MONTH CD
$500
4.30% ▲ 1.41% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.41% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 12 Month Certificate
$500
4.25% ▲ 1.36% above New Jersey avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.36% above avgNationally 2.99%
Details

($500.00 Minimum to open and obtain APY) (Fixed Rate)

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYOct 3, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
12 month Certificate
$0
4.25% ▲ 1.36% above New Jersey avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.36% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 25, 2026: 4.25% APYSep 25, 2026Oct 13, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
12 month IRA Certificate
$0
4.25% ▲ 1.36% above New Jersey avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.36% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 4, 2026: 4.25% APYOct 4, 2026Oct 13, 2026
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ 08088 8640
12 Month Jumbo CD Specials
$200,000
4.25% ▲ 1.36% above New Jersey avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.36% above avgNationally 2.99%
Details

Balance: $200,000.00 over

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
300 Tice Boulevard 3rd Floor, Woodcliff Lake, NJ 07677
12 Month Certificate of Deposits
$100,000
4.20% ▲ 1.31% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.31% above avgNationally 2.99%
Details

Minimum $100,000 required to open an account.

Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 27, 2026: 4.20% APYSep 27, 2026Oct 13, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Certificates - 12 Month (IRA Certificate)
$0
4.20% ▲ 1.31% above New Jersey avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.31% above avgNationally 2.99%
Details

IRA Certificate

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
1 year CD
$1,000
4.15% ▲ 1.26% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.26% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
5080 McLester St, Elizabeth, NJ 07201
Share Certificate - 12 Months
$0
4.13% ▲ 1.24% above New Jersey avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.89%▲ 1.24% above avgNationally 2.99%
Details

Share Certificate Type

Rate History
No change since Sep 30, 2026 · 4.13% APY · checked 4 times
3.63%4.13%4.63%Sep 30, 2026: 4.13% APYSep 30, 2026Oct 13, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
1410 Saint Georges Ave, Avenel, NJ 07001
12 Month Certificate
$0
4.10% ▲ 1.21% above New Jersey avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.89%▲ 1.21% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 13, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
1410 Saint Georges Ave, Avenel, NJ 07001
12 Month IRA Certificate
$0
4.10% ▲ 1.21% above New Jersey avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.89%▲ 1.21% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 13, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Certificates - 12 Month
$0
4.10% ▲ 1.21% above New Jersey avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.21% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYOct 12, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 12, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
522 ADAMS ST, HOBOKEN, NJ 07030 2002
12 month Share Certificate
$0
4.06% ▲ 1.17% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.17% above avgNationally 2.99%
Details

Rate History
1 change since Sep 16, 2026 · 3.65% → 4.06% ▲ 0.41 pts · high 4.06% / low 3.65%
3.15%3.85%4.56%Sep 16, 2026: 3.65% APYOct 8, 2026: 4.06% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.06%▲ from 3.65%
  • Sep 16, 20263.65%first recorded
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
1460 Broad St, Bloomfield, NJ 07003
Certificate - 12 Months
$500
4.05% ▲ 1.16% above New Jersey avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.89%▲ 1.16% above avgNationally 2.99%
Details

Minimum deposit of $500 required to open and earn the stated APY; Membership eligibility required; Matures into a 12-month Share Certificate at prevailing rate unless alternate instructions are provided

Rate History
No change since Oct 13, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 13, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
1460 Broad St, Bloomfield, NJ 07003
Certificates / IRA Certificates - 12 Months
$500
4.05% ▲ 1.16% above New Jersey avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.89%▲ 1.16% above avgNationally 2.99%
Details

Minimum deposit of $500 required to open and earn the stated APY; upon maturity rolls into a 12-month Share Certificate at prevailing rate; membership eligibility required

Rate History
No change since Oct 13, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 13, 2026
Garden Savings FCU
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
129 Littleton Rd, Parsippany, NJ 07054 1869
12 Month Share Certificates
$0
4.05% ▲ 1.16% above New Jersey avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.16% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Garden Savings FCU
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
129 Littleton Rd, Parsippany, NJ 07054 1869
IRA 55+ 12 Months
$0
4.05% ▲ 1.16% above New Jersey avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.16% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 10, 2026: 4.05% APYOct 10, 2026Oct 13, 2026
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1 Squibb Dr, New Brunswick, NJ 08901 1588
1 Year Share Certificates
$0
4.01% ▲ 1.12% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.12% above avgNationally 2.99%
Details

Amount: $1,000; APR/APY printed as range 4.00% - 4.01%

Rate History
No change since Oct 12, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 12, 2026: 4.01% APYOct 12, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
35 Journal Sq, Jersey City, NJ 07306
1-year online CDs
$0
4.00% ▲ 1.11% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
35 Journal Sq, Jersey City, NJ 07306
12 Month Certificate
$0
4.00% ▲ 1.11% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2100 Route 38, Cherry Hill, NJ 08002
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 1.11% above New Jersey avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
11 15 Cooke Ave, Carteret, NJ 07008
12 Month URSB PERKS CD
$500
4.00% ▲ 1.11% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
222 Bridge Plz S, Fort Lee, NJ 07024
Millennium Club Account - 1 Year Term
$1,000
4.00% ▲ 1.11% above New Jersey avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

Minimum to open and obtain APY is $1,000 contract amount (Fixed Rate)

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
565 North Broadway, Deepwater, NJ 08023
12 Month Share Certificate
$0
4.00% ▲ 1.11% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
734 Sanford Ave, Newark, NJ 07106
12 Month IRA Certificates
$0
4.00% ▲ 1.11% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

NCUA-insured; Rates effective as of 10/12/2026

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
734 Sanford Ave, Newark, NJ 07106
Certificate - 1 Year
$0
4.00% ▲ 1.11% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

Dividends compound quarterly; Maximum Balance: $1,000,000 per member; Withdrawal before maturity subject to penalty

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Pinnacle Federal Credit Union 2909 Washington Rd Ste 10, Parlin, NJ 08859
12 Month Special Promotional Share Certificates
$0
4.00% ▲ 1.11% above New Jersey avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 25, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
39 Wicklow Dr, Tabernacle, NJ 08088 8640
12 Month Jumbo CD Specials
$100,000
4.00% ▲ 1.11% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

Balance: $100,000.00 - $199,999.99

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Garden Savings FCU
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
129 Littleton Rd, Parsippany, NJ 07054 1869
12 Month Special Promotional Share Certificates
$0
4.00% ▲ 1.11% above New Jersey avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
439 Livingston Ave, New Brunswick, NJ 08901
1 Year Certificate of Deposit
$0
3.95% ▲ 1.06% above New Jersey avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
439 Livingston Ave, New Brunswick, NJ 08901
IRA 1 year - Fixed rate
$0
3.95% ▲ 1.06% above New Jersey avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 7, 2026: 3.95% APYOct 7, 2026Oct 13, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
385 N Franklin Tpke, Ramsey, NJ 07446
12 Months CD
$0
3.95% ▲ 1.06% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.06% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 19, 2026: 3.45% APYSep 24, 2026: 3.95% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20263.95%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Pinnacle Federal Credit Union 2909 Washington Rd Ste 10, Parlin, NJ 08859
12 Month Share Certificates
$0
3.90% ▲ 1.01% above New Jersey avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 25, 2026
New Jersey Average2.89%▲ 1.01% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
477 Jeremiah Ave, Trenton, NJ 08610
Certificate - 12 Month
$500
3.87% ▲ 0.98% above New Jersey avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 0.98% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
477 Jeremiah Ave, Trenton, NJ 08610
IRA Certificate - 12 Month
$500
3.87% ▲ 0.98% above New Jersey avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 0.98% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 8, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 8, 2026: 3.87% APYOct 8, 2026Oct 13, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
444 Hoes Ln, Piscataway, NJ 08854
Account 12 Month Pick Your Term
$5,000
3.85% ▲ 0.96% above New Jersey avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 0.96% above avgNationally 2.99%
Details

Balance: $5,000 or more

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1585 Oak Tree Rd, Iselin, NJ 08830
12 Month Certificate
$0
3.85% ▲ 0.96% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 0.96% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.85% ▼ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.85%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
12-Month Promo
$500
3.85% ▲ 0.96% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 8, 2026: 3.85% APYOct 8, 2026Oct 13, 2026
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
970 Broad St, Newark, NJ 07102 2534
12 Month Share Certificate
$1,000
3.85% ▲ 0.96% above New Jersey avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 0.96% above avgNationally 2.99%
Details

Share Certificate and IRA Certificate rates; effective Sept. 2026; ** One thousand dollar minimum**; early withdrawal penalty 25 basis points (1/4 %) per quarter

Rate History
1 change since Sep 17, 2026 · 2.63% → 3.85% ▲ 1.22 pts · high 3.85% / low 2.63%
1.41%3.24%5.07%Sep 17, 2026: 2.63% APYOct 12, 2026: 3.85% APYSep 17, 2026Oct 13, 2026
  • Oct 12, 20263.85%▲ from 2.63%
  • Sep 17, 20262.63%first recorded

New Jersey 18 Month CD Rates

MonitorBankRates New Jersey Average · 18 Month CD2.77% APY▲ 0.05% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in New Jersey is 2.77% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
500 Bloomfield Ave, Newark, NJ 07107
18 Month Certificate
$0
4.65% ▲ 1.88% above New Jersey avg
View
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.88% above avgNationally 2.87%
Details

Rate History
No change since Oct 6, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 6, 2026: 4.65% APYOct 6, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
500 Bloomfield Ave, Newark, NJ 07107
18-month CD
$10,000
4.65% ▲ 1.88% above New Jersey avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.88% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 24, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
3.85%4.50%5.15%Sep 24, 2026: 4.35% APYOct 1, 2026: 4.55% APYOct 6, 2026: 4.65% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.65%▲ from 4.55%
  • Oct 1, 20264.55%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
220 W Union Ave, Bound Brook, NJ 08805
18 Month Variable IRA Certificate
$0
4.60% ▲ 1.83% above New Jersey avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.83% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 8, 2026: 4.60% APYOct 8, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
18-Month Promo Certificate
$100,000
4.50% ▲ 1.73% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.73% above avgNationally 2.87%
Details

Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.

Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.50% APYOct 4, 2026: 4.35% APYOct 8, 2026: 4.50% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.50%▲ from 4.35%
  • Oct 4, 20264.35%▼ from 4.50%
  • Sep 25, 20264.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
18-Month Promotional Certificate
$0
4.50% ▲ 1.73% above New Jersey avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.73% above avgNationally 2.87%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 13, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
18 Month CD
$500
4.40% ▲ 1.63% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.63% above avgNationally 2.87%
Details

10-Day CD Rate Guarantee

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 10, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
18 months High-Yield CD
$500
4.40% ▲ 1.63% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.63% above avgNationally 2.87%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
64 Old Highway 22, Clinton, NJ 08809
18 Month CD
$1,000
4.40% ▲ 1.63% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.63% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.40%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
18 month Certificate
$0
4.35% ▲ 1.58% above New Jersey avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.58% above avgNationally 2.87%
Details

Rate History
No change since Sep 25, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 25, 2026: 4.35% APYSep 25, 2026Oct 13, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
18 month IRA Certificate
$0
4.35% ▲ 1.58% above New Jersey avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.58% above avgNationally 2.87%
Details

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
18-Month Promo Certificate
$100
4.35% ▲ 1.58% above New Jersey avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.58% above avgNationally 2.87%
Details

Or, 4.35% APY* with $100 min.

Rate History
2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.35% APYOct 4, 2026: 4.50% APYOct 12, 2026: 4.35% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20264.35%▼ from 4.50%
  • Oct 4, 20264.50%▲ from 4.35%
  • Sep 25, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
18-Month Promotional Certificate
$0
4.35% ▲ 1.58% above New Jersey avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.58% above avgNationally 2.87%
Details

Regular

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
Business 18-Month Promotional Certificate
$0
4.35% ▲ 1.58% above New Jersey avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.58% above avgNationally 2.87%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 12, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 12, 2026: 4.35% APYOct 12, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
35 Journal Sq, Jersey City, NJ 07306
18 Month 360 CDs
$0
4.30% ▲ 1.53% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.53% above avgNationally 2.87%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Columbia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1500 Irving St, Rahway, NJ 07065
18 Month Advantage CD
$500
4.25% ▲ 1.48% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.77%▲ 1.48% above avgNationally 2.87%
Details

Enjoy this rate when you have an Advantage Plus Checking Account. Open in-branch with a $500 minimum.

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
36 Pacific St, Newark, NJ 07105
18-MONTH CD
$500
4.25% ▲ 1.48% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.48% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
18 month CD
$1,000
4.25% ▲ 1.48% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.48% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
Business 18-Month Promotional Certificate
$0
4.20% ▲ 1.43% above New Jersey avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.43% above avgNationally 2.87%
Details

Regular

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 13, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Certificates - 18 Month (Legacy Club)
$0
4.20% ▲ 1.43% above New Jersey avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.43% above avgNationally 2.87%
Details

Legacy Club

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Certificates - 18 Month
$0
4.10% ▲ 1.33% above New Jersey avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.33% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.10% ▲ 0.19 pts · high 4.10% / low 3.91%
3.41%4.01%4.60%Sep 18, 2026: 3.91% APYOct 12, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 12, 20264.10%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
477 Jeremiah Ave, Trenton, NJ 08610
Certificate - 18 Month
$500
4.08% ▲ 1.31% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.31% above avgNationally 2.87%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
477 Jeremiah Ave, Trenton, NJ 08610
IRA Certificate - 18 Month
$500
4.08% ▲ 1.31% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.31% above avgNationally 2.87%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 8, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 8, 2026: 4.08% APYOct 8, 2026Oct 13, 2026
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
300 Tice Boulevard 3rd Floor, Woodcliff Lake, NJ 07677
18 Month Certificate of Deposits
$100,000
4.05% ▲ 1.28% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.28% above avgNationally 2.87%
Details

Minimum $100,000 required to open an account.

Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Oct 13, 2026
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
873 Broad St, Newark, NJ 07102
18-Month CD
$500
4.00% ▲ 1.23% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.23% above avgNationally 2.87%
Details

Rates are available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL: Miami-Dade, Monroe, Broward counties, and Collier county ZIP Code 34141. Rates in other areas or for online openings may not be available.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
444 Hoes Ln, Piscataway, NJ 08854
Account 18 Month Pick Your Term
$5,000
4.00% ▲ 1.23% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.23% above avgNationally 2.87%
Details

Balance: $5,000 or more

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
385 N Franklin Tpke, Ramsey, NJ 07446
18 Months CD
$0
4.00% ▲ 1.23% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.23% above avgNationally 2.87%
Details

Rate History
1 change since Sep 19, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 19, 2026: 3.60% APYSep 24, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
18 Month CD - Statement & Passbook
$500
4.00% ▲ 1.23% above New Jersey avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedSep 24, 2026
New Jersey Average2.77%▲ 1.23% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
1460 Broad St, Bloomfield, NJ 07003
Certificate - 18 Months
$500
4.00% ▲ 1.23% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.77%▲ 1.23% above avgNationally 2.87%
Details

New Deposits Only; Minimum deposit of $500 required to open and earn the stated APY

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
1460 Broad St, Bloomfield, NJ 07003
Certificates / IRA Certificates - 18 Months
$500
4.00% ▲ 1.23% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.77%▲ 1.23% above avgNationally 2.87%
Details

New Deposits Only; Minimum deposit of $500 required to open and earn the stated APY

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 18 MONTH
$0
3.90% ▲ 1.13% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.77%▲ 1.13% above avgNationally 2.87%
Details

Balance: $25,000 & Over

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
495 Manila Ave, Jersey City, NJ 07302
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 1.08% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.08% above avgNationally 2.87%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
495 Manila Ave, Jersey City, NJ 07302
18-Month M&T Select CD
$0
3.85% ▲ 1.08% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.08% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 18 MONTH
$0
3.85% ▲ 1.08% above New Jersey avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.77%▲ 1.08% above avgNationally 2.87%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
429 Main St, Metuchen, NJ 08840
18 Month IRA Certificate
$500
3.80% ▲ 1.03% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.03% above avgNationally 2.87%
Details

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 13, 2026
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
429 Main St, Metuchen, NJ 08840
IRA 18 MONTHS MARKET PACER
$25
3.80% ▲ 1.03% above New Jersey avg
View
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.03% above avgNationally 2.87%
Details

INTEREST COMPOUNDED / CREDITED: Continuously/ Monthly

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 13, 2026
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
429 Main St, Metuchen, NJ 08840
IRA 18 MONTHS STEADY EARNER
$500
3.80% ▲ 1.03% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.03% above avgNationally 2.87%
Details

INTEREST COMPOUNDED / CREDITED: Continuously/ Monthly

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 13, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 18 MONTH
$0
3.80% ▲ 1.03% above New Jersey avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.77%▲ 1.03% above avgNationally 2.87%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
18-month term
$0
3.80% ▲ 1.03% above New Jersey avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.03% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 1.03% above New Jersey avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.03% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
18 Month Request Appointment
$1,000
3.75% ▲ 0.98% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 0.98% above avgNationally 2.87%
Details

CD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice.

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2100 Route 38, Cherry Hill, NJ 08002
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.93% above New Jersey avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 0.93% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
100 Mineral Springs RD, Dover, NJ 07801
18 month IRA share certificate
$0
3.66% ▲ 0.89% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 0.89% above avgNationally 2.87%
Details

Rate History
No change since Oct 4, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 4, 2026: 3.66% APYOct 4, 2026Oct 13, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
100 Mineral Springs RD, Dover, NJ 07801
18 month share certificate
$0
3.66% ▲ 0.89% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 0.89% above avgNationally 2.87%
Details

Rate History
No change since Sep 25, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 25, 2026: 3.66% APYSep 25, 2026Oct 13, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
78 Washington Ave, Westwood, NJ 07675
Share Certificate - 18-Month
$500
3.65% ▲ 0.88% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.77%▲ 0.88% above avgNationally 2.87%
Details

Rate Type: Fixed

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
18 Month Certificate
$0
3.61% ▲ 0.84% above New Jersey avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.77%▲ 0.84% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 7 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
35 Journal Sq, Jersey City, NJ 07306
18 Month Certificate
$0
3.60% ▲ 0.83% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
227 Market St, Camden, NJ 08102
18 Month Business Share Certificate
$0
3.60% ▲ 0.83% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
227 Market St, Camden, NJ 08102
18 Month IRA Share Certificate
$500
3.60% ▲ 0.83% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 0.83% above avgNationally 2.87%
Details

APY listed paid on $500 minimum balance.

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
227 Market St, Camden, NJ 08102
18 Month Share Certificate
$0
3.60% ▲ 0.83% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
227 Market St, Camden, NJ 08102
IRA Share Certificate - 18 Month
$0
3.60% ▲ 0.83% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 24, 2026: 3.60% APYSep 24, 2026Oct 13, 2026

New Jersey 24 Month CD Rates

MonitorBankRates New Jersey Average · 24 Month CD2.70% APY▲ 0.04% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in New Jersey is 2.70% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
500 Bloomfield Ave, Newark, NJ 07107
24 Month Certificate
$0
4.70% ▲ 2.00% above New Jersey avg
View
▼
Rate4.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.70%▲ 2.00% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 6, 2026: 4.70% APYOct 6, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
407 Main St, Chatham, NJ 07928
24 Month CD
$1,000
4.45% ▲ 1.75% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.75% above avgNationally 2.88%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
407 Main St, Chatham, NJ 07928
24 Month New Money CD
$1,000
4.45% ▲ 1.75% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.75% above avgNationally 2.88%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Sep 27, 2026: 4.45% APYSep 27, 2026Oct 13, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
2 years High-Yield CD
$500
4.40% ▲ 1.70% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.70%▲ 1.70% above avgNationally 2.88%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
407 Main St, Chatham, NJ 07928
24 Month CD
$1,000
4.40% ▲ 1.70% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.70% above avgNationally 2.88%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
407 Main St, Chatham, NJ 07928
24 Month Online CD
$1,000
4.40% ▲ 1.70% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.70% above avgNationally 2.88%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 27, 2026: 4.40% APYSep 27, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
35 Journal Sq, Jersey City, NJ 07306
24 Month 360 CDs
$0
4.30% ▲ 1.60% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.60% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
227 Market St, Camden, NJ 08102
24 Month Business Share Certificate
$0
4.25% ▲ 1.55% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
227 Market St, Camden, NJ 08102
24 Month IRA Share Certificate
$500
4.25% ▲ 1.55% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

APY listed paid on $500 minimum balance.

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
227 Market St, Camden, NJ 08102
24 Month Share Certificate
$0
4.25% ▲ 1.55% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
227 Market St, Camden, NJ 08102
24-Month Share & IRA Certificate
$0
4.25% ▲ 1.55% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Oct 13, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
227 Market St, Camden, NJ 08102
IRA Share Certificate - 24 Month
$0
4.25% ▲ 1.55% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
Bogota Savings Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.77%
819 Teaneck Rd, Teaneck, NJ 07666
24 Month Certificate
$1,000
4.25% ▲ 1.55% above New Jersey avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Interest Compounded Daily | Posted Monthly

Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 19, 2026: 4.25% APYSep 19, 2026Oct 13, 2026
Bogota Savings Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.77%
819 Teaneck Rd, Teaneck, NJ 07666
24 Month IRA Certificate
$500
4.25% ▲ 1.55% above New Jersey avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Interest Compounded Daily | Posted Monthly

Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 19, 2026: 4.25% APYSep 19, 2026Oct 13, 2026
Bogota Savings Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.77%
819 Teaneck Rd, Teaneck, NJ 07666
24 Month Online Certificates of Deposit
$1,000
4.25% ▲ 1.55% above New Jersey avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Interest Compounded Daily | Posted Monthly

Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 19, 2026: 4.25% APYSep 19, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
36 Pacific St, Newark, NJ 07105
24-MONTH CD
$500
4.25% ▲ 1.55% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
2 year CD
$1,000
4.25% ▲ 1.55% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
5080 McLester St, Elizabeth, NJ 07201
Share Certificate - 24 Months
$0
4.18% ▲ 1.48% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.70%▲ 1.48% above avgNationally 2.88%
Details

Share Certificate Type

Rate History
No change since Sep 30, 2026 · 4.18% APY · checked 4 times
3.68%4.18%4.68%Sep 30, 2026: 4.18% APYSep 30, 2026Oct 13, 2026
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1 Squibb Dr, New Brunswick, NJ 08901 1588
2 Year Share Certificates
$0
4.12% ▲ 1.42% above New Jersey avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.42% above avgNationally 2.88%
Details

Amount: $1,000; APR/APY printed as range 4.05% - 4.12%

Rate History
No change since Oct 12, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 12, 2026: 4.12% APYOct 12, 2026Oct 13, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
522 ADAMS ST, HOBOKEN, NJ 07030 2002
24 month Share Certificate
$0
4.11% ▲ 1.41% above New Jersey avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.41% above avgNationally 2.88%
Details

Rate History
1 change since Sep 16, 2026 · 3.50% → 4.11% ▲ 0.61 pts · high 4.11% / low 3.50%
2.89%3.81%4.72%Sep 16, 2026: 3.50% APYOct 8, 2026: 4.11% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.11%▲ from 3.50%
  • Sep 16, 20263.50%first recorded
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 24 MONTH
$0
4.11% ▲ 1.41% above New Jersey avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.70%▲ 1.41% above avgNationally 2.88%
Details

Balance: $25,000 & Over

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 6 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Oct 13, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Certificates - 24 Month
$0
4.10% ▲ 1.40% above New Jersey avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.40% above avgNationally 2.88%
Details

Rate History
1 change since Sep 17, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 17, 2026: 4.00% APYSep 18, 2026: 4.10% APYSep 17, 2026Oct 13, 2026
  • Sep 18, 20264.10%▲ from 4.00%
  • Sep 17, 20264.00%first recorded
Amboy Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3590 Us Highway 9, Old Bridge, NJ 08857
24 Month Treasury Index CD
$100
4.10% ▲ 1.40% above New Jersey avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.70%▲ 1.40% above avgNationally 2.88%
Details

Balances from $25,000 - $500,000 earn 4.10% Annual Percentage Yield (APY), under $25,000 earns no interest. Rate changes quarterly. Competitor information is derived from competitor website survey on 10/1/2026 and based on a $25,000 balance. Early withdrawal penalties may apply. Offer is available for new money not currently on deposit at Amboy Direct. $500,000 maximum per household. Not available at Amboy branches.

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
477 Jeremiah Ave, Trenton, NJ 08610
Certificate - 24 Month
$500
4.08% ▲ 1.38% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.38% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.08% ▲ 0.47 pts · high 4.08% / low 3.61%
3.11%3.84%4.58%Sep 14, 2026: 3.61% APYSep 20, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
  • Sep 20, 20264.08%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
477 Jeremiah Ave, Trenton, NJ 08610
IRA Certificate - 24 Month
$500
4.08% ▲ 1.38% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.38% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 8, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 8, 2026: 4.08% APYOct 8, 2026Oct 13, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 24 MONTH
$0
4.06% ▲ 1.36% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.70%▲ 1.36% above avgNationally 2.88%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
474 Prospect Ave, West Orange, NJ 07052
24-Month Certificate of Deposit
$500
4.05% ▲ 1.35% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.35% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 8, 2026: 4.05% APYOct 8, 2026Oct 13, 2026
Haddon Savings Bank
Institution Rating:
B3.7 ★Texas Ratio: 2.65%
201 White Horse Pike, Haddon Heights, NJ 08035
2 Year Certificates of Deposit
$500
4.05% ▲ 1.35% above New Jersey avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.35% above avgNationally 2.88%
Details

Payment of Interest: Monthly or Quarterly

Rate History
No change since Sep 20, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 20, 2026: 4.05% APYSep 20, 2026Oct 13, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
444 Hoes Ln, Piscataway, NJ 08854
Account 24 Month Pick Your Term
$5,000
4.00% ▲ 1.30% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.30% above avgNationally 2.88%
Details

Balance: $5,000 or more

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
114 S Main St, Williamstown, NJ 08094
2-Year Certificate of Deposit
$500
4.00% ▲ 1.30% above New Jersey avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.30% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 6 Months Interest

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
429 Main St, Metuchen, NJ 08840
2 Year IRA Certificate
$500
4.00% ▲ 1.30% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.30% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
78 Washington Ave, Westwood, NJ 07675
Share Certificate - 24-Month
$500
4.00% ▲ 1.30% above New Jersey avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.70%▲ 1.30% above avgNationally 2.88%
Details

Rate Type: Fixed

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 24 MONTH
$0
4.00% ▲ 1.30% above New Jersey avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.70%▲ 1.30% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
439 Livingston Ave, New Brunswick, NJ 08901
IRA 2 years - Fixed rate add
$0
3.95% ▲ 1.25% above New Jersey avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.25% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 7, 2026: 3.95% APYOct 7, 2026Oct 13, 2026
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
Share Certificate - 24 Month
$1,000
3.81% ▲ 1.11% above New Jersey avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.70%▲ 1.11% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.81%4.31%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
300 Tice Boulevard 3rd Floor, Woodcliff Lake, NJ 07677
24 Month Certificate of Deposits
$100,000
3.75% ▲ 1.05% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.05% above avgNationally 2.88%
Details

Minimum $100,000 required to open an account.

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
107 Pulaski St, Newark, NJ 07105
24-Month CD
$0
3.75% ▲ 1.05% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.05% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
970 Broad St, Newark, NJ 07102 2534
24 Month Share Certificate
$1,000
3.64% ▲ 0.94% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 0.94% above avgNationally 2.88%
Details

Share Certificate and IRA Certificate rates; effective Sept. 2026; ** One thousand dollar minimum**; early withdrawal penalty 25 basis points (1/4 %) per quarter

Rate History
1 change since Sep 17, 2026 · 2.52% → 3.64% ▲ 1.12 pts · high 3.64% / low 2.52%
1.40%3.08%4.76%Sep 17, 2026: 2.52% APYOct 12, 2026: 3.64% APYSep 17, 2026Oct 13, 2026
  • Oct 12, 20263.64%▲ from 2.52%
  • Sep 17, 20262.52%first recorded
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6823 Bergenline Ave, Guttenberg, NJ 07093
24 Month Certificate
$500
3.61% ▲ 0.91% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 0.91% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 3.45% → 3.61% ▲ 0.16 pts · high 3.61% / low 3.45%
2.95%3.53%4.11%Sep 24, 2026: 3.45% APYOct 7, 2026: 3.61% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20263.61%▲ from 3.45%
  • Sep 24, 20263.45%first recorded
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6823 Bergenline Ave, Guttenberg, NJ 07093
24 Months Fixed Rate
$500
3.61% ▲ 0.91% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 0.91% above avgNationally 2.88%
Details

Rate History
1 change since Sep 27, 2026 · 3.45% → 3.61% ▲ 0.16 pts · high 3.61% / low 3.45%
2.95%3.53%4.11%Sep 27, 2026: 3.45% APYOct 3, 2026: 3.61% APYSep 27, 2026Oct 13, 2026
  • Oct 3, 20263.61%▲ from 3.45%
  • Sep 27, 20263.45%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2100 Route 38, Cherry Hill, NJ 08002
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.90% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.70%▲ 0.90% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
3821 Bergenline Ave, Union City, NJ 07087
24 Month Certificate
$1,000
3.60% ▲ 0.90% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 0.90% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2091 Springdale Rd, Cherry Hill, NJ 08003
2 Year Certificate
$500
3.60% ▲ 0.90% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.70%▲ 0.90% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
100 Mineral Springs RD, Dover, NJ 07801
24 month IRA share certificate
$0
3.56% ▲ 0.86% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 4, 2026: 3.56% APYOct 4, 2026Oct 13, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
100 Mineral Springs RD, Dover, NJ 07801
24 month share certificate
$0
3.56% ▲ 0.86% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
35 Journal Sq, Jersey City, NJ 07306
24 Month Certificate
$0
3.50% ▲ 0.80% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 0.80% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
2115 Linwood Ave, Fort Lee, NJ 07024
24 Month Certificate
$0
3.50% ▲ 0.80% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 0.80% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
3821 Bergenline Ave, Union City, NJ 07087
24 Month Certificate
$1,000
3.50% ▲ 0.80% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 0.80% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
439 Livingston Ave, New Brunswick, NJ 08901
2 Year Certificate of Deposit
$0
3.50% ▲ 0.80% above New Jersey avg
View
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 0.80% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
11 15 Cooke Ave, Carteret, NJ 07008
24 Month URSB PERKS CD
$500
3.50% ▲ 0.80% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.70%▲ 0.80% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026

New Jersey 36 Month CD Rates

MonitorBankRates New Jersey Average · 36 Month CD2.45% APYUnchanged from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in New Jersey is 2.45% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
500 Bloomfield Ave, Newark, NJ 07107
36 Month Certificate
$0
4.85% ▲ 2.40% above New Jersey avg
View
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.45%▲ 2.40% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.85% APY · checked 2 times
4.35%4.85%5.35%Oct 6, 2026: 4.85% APYOct 6, 2026Oct 13, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
3 years High-Yield CD
$500
4.40% ▲ 1.95% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.45%▲ 1.95% above avgNationally 2.81%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
35 Journal Sq, Jersey City, NJ 07306
36 Month 360 CDs
$0
4.30% ▲ 1.85% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.45%▲ 1.85% above avgNationally 2.81%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
5080 McLester St, Elizabeth, NJ 07201
Share Certificate - 36 Months
$0
4.23% ▲ 1.78% above New Jersey avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 1.78% above avgNationally 2.81%
Details

Share Certificate Type

Rate History
No change since Sep 30, 2026 · 4.23% APY · checked 4 times
3.73%4.23%4.73%Sep 30, 2026: 4.23% APYSep 30, 2026Oct 13, 2026
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1 Squibb Dr, New Brunswick, NJ 08901 1588
3 Year Share Certificates
$0
4.17% ▲ 1.72% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.72% above avgNationally 2.81%
Details

Amount: $1,000; APR/APY printed as range 4.10% - 4.17%

Rate History
No change since Oct 12, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 12, 2026: 4.17% APYOct 12, 2026Oct 13, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
522 ADAMS ST, HOBOKEN, NJ 07030 2002
36 month Share Certificate
$0
4.16% ▲ 1.71% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.71% above avgNationally 2.81%
Details

Rate History
1 change since Sep 16, 2026 · 3.34% → 4.16% ▲ 0.82 pts · high 4.16% / low 3.34%
2.52%3.75%4.98%Sep 16, 2026: 3.34% APYOct 8, 2026: 4.16% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.16%▲ from 3.34%
  • Sep 16, 20263.34%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2100 Route 38, Cherry Hill, NJ 08002
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.70% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.45%▲ 1.70% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
3 year CD
$1,000
4.15% ▲ 1.70% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.45%▲ 1.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2100 Route 38, Cherry Hill, NJ 08002
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.65% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.45%▲ 1.65% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
474 Prospect Ave, West Orange, NJ 07052
36-Month Certificate of Deposit
$500
4.10% ▲ 1.65% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.65% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 8, 2026: 4.10% APYOct 8, 2026Oct 13, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Certificates - 36 Month
$0
4.01% ▲ 1.56% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.56% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 18, 2026: 3.91% APYOct 12, 2026: 4.01% APYSep 18, 2026Oct 13, 2026
  • Oct 12, 20264.01%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
Share Certificate - 36 Month
$1,000
3.81% ▲ 1.36% above New Jersey avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 1.36% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.81%4.31%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
78 Washington Ave, Westwood, NJ 07675
Share Certificate - 36-Month
$500
3.75% ▲ 1.30% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 1.30% above avgNationally 2.81%
Details

Rate Type: Fixed

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 36 MONTH
$0
3.70% ▲ 1.25% above New Jersey avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 1.25% above avgNationally 2.81%
Details

Balance: $25,000 & Over

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
477 Jeremiah Ave, Trenton, NJ 08610
Certificate - 36 Month
$500
3.66% ▲ 1.21% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.21% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
477 Jeremiah Ave, Trenton, NJ 08610
IRA Certificate - 36 Month
$500
3.66% ▲ 1.21% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.21% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 8, 2026: 3.66% APYOct 8, 2026Oct 13, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2091 Springdale Rd, Cherry Hill, NJ 08003
3 Year Certificate
$500
3.65% ▲ 1.20% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.45%▲ 1.20% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 36 MONTH
$0
3.60% ▲ 1.15% above New Jersey avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 1.15% above avgNationally 2.81%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
100 Mineral Springs RD, Dover, NJ 07801
36 month IRA share certificate
$0
3.56% ▲ 1.11% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 4, 2026: 3.56% APYOct 4, 2026Oct 13, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
100 Mineral Springs RD, Dover, NJ 07801
36 month share certificate
$0
3.56% ▲ 1.11% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 13, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 36 MONTH
$0
3.55% ▲ 1.10% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 1.10% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
35 Journal Sq, Jersey City, NJ 07306
36 Month Certificate
$0
3.50% ▲ 1.05% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.45%▲ 1.05% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
2115 Linwood Ave, Fort Lee, NJ 07024
36 Month Certificate
$0
3.50% ▲ 1.05% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.45%▲ 1.05% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
400 Somerset St, New Brunswick, NJ 08901
36 Month IRA Certificate
$500
3.50% ▲ 1.05% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.45%▲ 1.05% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
400 Somerset St, New Brunswick, NJ 08901
36-month Certificate of Deposit
$2,500
3.50% ▲ 1.05% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.45%▲ 1.05% above avgNationally 2.81%
Details

Rate History
1 change since Sep 19, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 19, 2026: 3.00% APYOct 3, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20263.50%▲ from 3.00%
  • Sep 19, 20263.00%first recorded
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
3 Year CD / IRA (new money only^)
$500
3.50% ▲ 1.05% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedSep 24, 2026
New Jersey Average2.45%▲ 1.05% above avgNationally 2.81%
Details

new money only^

Rate History
No change since Sep 24, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 13, 2026
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
3 Year IRA Certificate
$500
3.50% ▲ 1.05% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.05% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1 ADP Blvd, Roseland, NJ 07068
36 Month IRA Certificate
$0
3.50% ▲ 1.05% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.45%▲ 1.05% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1 ADP Blvd, Roseland, NJ 07068
36 Month Share Certificates
$0
3.50% ▲ 1.05% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.45%▲ 1.05% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
5901 Route 42, Turnersville, NJ 08012 1497
3 Year IRA Certificate
$1,000
3.45% ▲ 1.00% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.00% above avgNationally 2.81%
Details

IRA Certificate; $1,000 Minimum

Rate History
1 change since Sep 16, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
2.85%3.40%3.95%Sep 16, 2026: 3.35% APYOct 4, 2026: 3.45% APYSep 16, 2026Oct 13, 2026
  • Oct 4, 20263.45%▲ from 3.35%
  • Sep 16, 20263.35%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
5901 Route 42, Turnersville, NJ 08012 1497
Jumbo Certificates - 3 year
$50,000
3.45% ▲ 1.00% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.00% above avgNationally 2.81%
Details

Jumbo Certificate; $50,000 minimum

Rate History
1 change since Sep 16, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
2.85%3.40%3.95%Sep 16, 2026: 3.35% APYOct 12, 2026: 3.45% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20263.45%▲ from 3.35%
  • Sep 16, 20263.35%first recorded
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
3 Year Certificate
$0
3.45% ▲ 1.00% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 1.00% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
970 Broad St, Newark, NJ 07102 2534
36 Month Share Certificate
$1,000
3.44% ▲ 0.99% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 0.99% above avgNationally 2.81%
Details

Share Certificate and IRA Certificate rates; effective Sept. 2026; ** One thousand dollar minimum**; early withdrawal penalty 25 basis points (1/4 %) per quarter

Rate History
1 change since Sep 17, 2026 · 2.02% → 3.44% ▲ 1.42 pts · high 3.44% / low 2.02%
0.60%2.73%4.86%Sep 17, 2026: 2.02% APYOct 12, 2026: 3.44% APYSep 17, 2026Oct 13, 2026
  • Oct 12, 20263.44%▲ from 2.02%
  • Sep 17, 20262.02%first recorded
New Jersey Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
144 W Route 38, Moorestown, NJ 08057
36 Month Share Certificates/IRA Certificates Rollover / New Balances
$0
3.41% ▲ 0.96% above New Jersey avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 0.96% above avgNationally 2.81%
Details

Balance: $50,000+; Effective date as of September 21, 2026

Rate History
No change since Oct 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 13, 2026
Garden State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
144 W ROUTE 38, MOORESTOWN, NJ 08057 3223
36 Month Certificates of Deposit - Rollover / New Balances
$0
3.41% ▲ 0.96% above New Jersey avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 0.96% above avgNationally 2.81%
Details

Balance: $50,000 & Above

Rate History
No change since Oct 13, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 13, 2026: 3.41% APYOct 13, 2026Oct 13, 2026
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
621 Washington St, Hoboken, NJ 07030
36 Month CD
$100
3.40% ▲ 0.95% above New Jersey avg
View
▼
Rate3.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 0.95% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 20, 2026: 3.40% APYSep 20, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
3 Year Jumbo Certificate
$0
3.35% ▲ 0.90% above New Jersey avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 0.90% above avgNationally 2.81%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
3 Year Traditional/Roth IRA Share Certificate
$0
3.35% ▲ 0.90% above New Jersey avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 0.90% above avgNationally 2.81%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 13, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
1460 Broad St, Bloomfield, NJ 07003
Certificate - 36 Months
$500
3.30% ▲ 0.85% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 0.85% above avgNationally 2.81%
Details

Minimum deposit of $500 required to open and earn the stated APY

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
1460 Broad St, Bloomfield, NJ 07003
Certificates / IRA Certificates - 36 Months
$500
3.30% ▲ 0.85% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 0.85% above avgNationally 2.81%
Details

Minimum balance to open account and obtain the APY is $500

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
36 Month Share Certificates
$500
3.30% ▲ 0.85% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 0.85% above avgNationally 2.81%
Details

SC 36 Mo.; Early withdrawal penalty: 90 days' dividends; Rates As Of 9/17/2026

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 36 Mo.
$500
3.30% ▲ 0.85% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 0.85% above avgNationally 2.81%
Details

IRA Accounts; Early withdrawal penalty: 90 days' dividends; Rates As Of 9/17/2026

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
35 Main St, South Bound Brook, NJ 08880
36 Months IRA Share Certificate
$0
3.29% ▲ 0.84% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 0.84% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 8 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
3821 Bergenline Ave, Union City, NJ 07087
36 Month Certificate
$1,000
3.25% ▲ 0.80% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.45%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
734 Sanford Ave, Newark, NJ 07106
Certificate - 3 Years
$0
3.25% ▲ 0.80% above New Jersey avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 0.80% above avgNationally 2.81%
Details

Dividends compound quarterly; Maximum Balance: $1,000,000 per member; Withdrawal before maturity subject to penalty

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
734 Sanford Ave, Newark, NJ 07106
IRA Certificates 36 Months
$0
3.25% ▲ 0.80% above New Jersey avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 0.80% above avgNationally 2.81%
Details

Rates effective as of 10/12/2026; NCUA-insured

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
120 Windsor Center Dr, East Windsor, NJ 08520
3 Year Certificate
$0
3.20% ▲ 0.75% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.45%▲ 0.75% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
237 Washington Ave, Belleville, NJ 07109
36-Month CD
$500
3.20% ▲ 0.75% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.45%▲ 0.75% above avgNationally 2.81%
Details

Earn 3.20% APY on balances of $500 or more.

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 13, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1 S Main St, Woodstown, NJ 08098
36-Month Bump Up Certificate of Deposit Promo
$0
3.20% ▲ 0.75% above New Jersey avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.45%▲ 0.75% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 7, 2026: 3.20% APYOct 7, 2026Oct 13, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
439 Livingston Ave, New Brunswick, NJ 08901
3 Year Certificate of Deposit
$0
3.20% ▲ 0.75% above New Jersey avg
View
▼
Rate3.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.45%▲ 0.75% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026

New Jersey 48 Month CD Rates

MonitorBankRates New Jersey Average · 48 Month CD2.47% APY▲ 0.01% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in New Jersey is 2.47% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
500 Bloomfield Ave, Newark, NJ 07107
48 Month Certificate
$0
4.95% ▲ 2.48% above New Jersey avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.47%▲ 2.48% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.95% APY · checked 2 times
4.45%4.95%5.45%Oct 6, 2026: 4.95% APYOct 6, 2026Oct 13, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
4 years High-Yield CD
$500
4.40% ▲ 1.93% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.47%▲ 1.93% above avgNationally 2.80%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
35 Journal Sq, Jersey City, NJ 07306
48 Month 360 CDs
$0
4.30% ▲ 1.83% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.47%▲ 1.83% above avgNationally 2.80%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
11 15 Cooke Ave, Carteret, NJ 07008
48 Month CD
$500
4.25% ▲ 1.78% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.47%▲ 1.78% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
5080 McLester St, Elizabeth, NJ 07201
Share Certificate - 48 Months
$0
4.23% ▲ 1.76% above New Jersey avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 1.76% above avgNationally 2.80%
Details

Share Certificate Type

Rate History
No change since Sep 30, 2026 · 4.23% APY · checked 4 times
3.73%4.23%4.73%Sep 30, 2026: 4.23% APYSep 30, 2026Oct 13, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
522 ADAMS ST, HOBOKEN, NJ 07030 2002
48 month Share Certificate
$0
4.16% ▲ 1.69% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 1.69% above avgNationally 2.80%
Details

Rate History
1 change since Sep 16, 2026 · 3.34% → 4.16% ▲ 0.82 pts · high 4.16% / low 3.34%
2.52%3.75%4.98%Sep 16, 2026: 3.34% APYOct 8, 2026: 4.16% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.16%▲ from 3.34%
  • Sep 16, 20263.34%first recorded
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
474 Prospect Ave, West Orange, NJ 07052
48-Month Certificate of Deposit
$500
4.15% ▲ 1.68% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 1.68% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 8, 2026: 4.15% APYOct 8, 2026Oct 13, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
4 year CD
$1,000
4.15% ▲ 1.68% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.47%▲ 1.68% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Certificates - 48 Month
$0
4.01% ▲ 1.54% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 1.54% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 18, 2026: 3.91% APYOct 12, 2026: 4.01% APYSep 18, 2026Oct 13, 2026
  • Oct 12, 20264.01%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
400 Somerset St, New Brunswick, NJ 08901
48 Month IRA Certificate
$500
3.75% ▲ 1.28% above New Jersey avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.47%▲ 1.28% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
400 Somerset St, New Brunswick, NJ 08901
48-month Certificate of Deposit
$2,500
3.75% ▲ 1.28% above New Jersey avg
View
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.47%▲ 1.28% above avgNationally 2.80%
Details

Rate History
1 change since Sep 19, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 19, 2026: 3.25% APYOct 3, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20263.75%▲ from 3.25%
  • Sep 19, 20263.25%first recorded
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
78 Washington Ave, Westwood, NJ 07675
Share Certificate - 48-Month
$500
3.75% ▲ 1.28% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 1.28% above avgNationally 2.80%
Details

Rate Type: Fixed

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2091 Springdale Rd, Cherry Hill, NJ 08003
4 Year Certificate
$500
3.75% ▲ 1.28% above New Jersey avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.47%▲ 1.28% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 48 MONTH
$0
3.70% ▲ 1.23% above New Jersey avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 1.23% above avgNationally 2.80%
Details

Balance: $25,000 & Over

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 48 MONTH
$0
3.65% ▲ 1.18% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 1.18% above avgNationally 2.80%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
2115 Linwood Ave, Fort Lee, NJ 07024
48 Month Certificate
$0
3.60% ▲ 1.13% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.47%▲ 1.13% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 48 MONTH
$0
3.60% ▲ 1.13% above New Jersey avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 1.13% above avgNationally 2.80%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
100 Mineral Springs RD, Dover, NJ 07801
48 month IRA share certificate
$0
3.56% ▲ 1.09% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 1.09% above avgNationally 2.80%
Details

Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 4, 2026: 3.56% APYOct 4, 2026Oct 13, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
100 Mineral Springs RD, Dover, NJ 07801
48 month share certificate
$0
3.56% ▲ 1.09% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 1.09% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 13, 2026
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
Share Certificate - 48 Month
$1,000
3.56% ▲ 1.09% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 1.09% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
35 Journal Sq, Jersey City, NJ 07306
48 Month Certificate
$0
3.50% ▲ 1.03% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.47%▲ 1.03% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
4 Year IRA Certificate
$500
3.50% ▲ 1.03% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 1.03% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
5901 Route 42, Turnersville, NJ 08012 1497
4 Year IRA Certificate
$1,000
3.50% ▲ 1.03% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 1.03% above avgNationally 2.80%
Details

IRA Certificate; $1,000 Minimum

Rate History
1 change since Sep 16, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 16, 2026: 3.40% APYOct 4, 2026: 3.50% APYSep 16, 2026Oct 13, 2026
  • Oct 4, 20263.50%▲ from 3.40%
  • Sep 16, 20263.40%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
5901 Route 42, Turnersville, NJ 08012 1497
Jumbo Certificates - 4 year
$50,000
3.50% ▲ 1.03% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 1.03% above avgNationally 2.80%
Details

Jumbo Certificate; $50,000 minimum

Rate History
1 change since Sep 16, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 16, 2026: 3.40% APYOct 12, 2026: 3.50% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20263.50%▲ from 3.40%
  • Sep 16, 20263.40%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1 ADP Blvd, Roseland, NJ 07068
48 Month IRA Certificate
$0
3.50% ▲ 1.03% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.47%▲ 1.03% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1 ADP Blvd, Roseland, NJ 07068
48 Month Share Certificates
$0
3.50% ▲ 1.03% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.47%▲ 1.03% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
New Jersey Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
144 W Route 38, Moorestown, NJ 08057
48 Month Share Certificates/IRA Certificates Rollover / New Balances
$0
3.46% ▲ 0.99% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.99% above avgNationally 2.80%
Details

Balance: $50,000+; Effective date as of September 21, 2026

Rate History
No change since Oct 12, 2026 · 3.46% APY
2.96%3.46%3.96%Oct 12, 2026: 3.46% APYOct 12, 2026Oct 13, 2026
Garden State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
144 W ROUTE 38, MOORESTOWN, NJ 08057 3223
48 Month Certificates of Deposit - Rollover / New Balances
$0
3.46% ▲ 0.99% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.99% above avgNationally 2.80%
Details

Balance: $50,000 & Above

Rate History
No change since Oct 13, 2026 · 3.46% APY
2.96%3.46%3.96%Oct 13, 2026: 3.46% APYOct 13, 2026Oct 13, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
4 Year Certificate
$0
3.45% ▲ 0.98% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.98% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
4 Year Jumbo Certificate
$0
3.40% ▲ 0.93% above New Jersey avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.93% above avgNationally 2.80%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 25, 2026: 3.40% APYSep 25, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
4 Year Traditional/Roth IRA Share Certificate
$0
3.40% ▲ 0.93% above New Jersey avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.93% above avgNationally 2.80%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 8, 2026: 3.40% APYOct 8, 2026Oct 13, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
1460 Broad St, Bloomfield, NJ 07003
Certificate - 48 Months
$500
3.30% ▲ 0.83% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.83% above avgNationally 2.80%
Details

Minimum deposit of $500 required to open and earn the stated APY

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
1460 Broad St, Bloomfield, NJ 07003
Certificates / IRA Certificates - 48 Months
$500
3.30% ▲ 0.83% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.83% above avgNationally 2.80%
Details

Minimum balance to open account and obtain the APY is $500

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
48 Month Share Certificates
$500
3.30% ▲ 0.83% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.83% above avgNationally 2.80%
Details

SC 48 Mo.; Early withdrawal penalty: 90 days' dividends; Rates As Of 9/17/2026

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 48 Mo.
$500
3.30% ▲ 0.83% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.83% above avgNationally 2.80%
Details

IRA Accounts; Early withdrawal penalty: 90 days' dividends; Rates As Of 9/17/2026

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
5901 Route 42, Turnersville, NJ 08012 1497
Certificates - 4 year
$0
3.25% ▲ 0.78% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.78% above avgNationally 2.80%
Details

Balance: $1,000 - $49,999

Rate History
1 change since Sep 16, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
2.65%3.20%3.75%Sep 16, 2026: 3.15% APYOct 12, 2026: 3.25% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20263.25%▲ from 3.15%
  • Sep 16, 20263.15%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
4 Year Regular Certificate
$0
3.25% ▲ 0.78% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.78% above avgNationally 2.80%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
4 Year Traditional/Roth IRA Share Certificate
$0
3.25% ▲ 0.78% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.78% above avgNationally 2.80%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
660 Newark Ave, Jersey City, NJ 07306 2379
48 Month Certificate of Deposit
$5,000
3.25% ▲ 0.78% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.78% above avgNationally 2.80%
Details

Combined minimum deposit $5,000; 4 Years; Effective February 18, 2026; Penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 13, 2026
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
970 Broad St, Newark, NJ 07102 2534
48 Month Share Certificate
$1,000
3.24% ▲ 0.77% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.77% above avgNationally 2.80%
Details

Share Certificate and IRA Certificate rates; effective Sept. 2026; ** One thousand dollar minimum**; early withdrawal penalty 25 basis points (1/4 %) per quarter

Rate History
No change since Oct 8, 2026 · 3.24% APY · checked 2 times
2.74%3.24%3.74%Oct 8, 2026: 3.24% APYOct 8, 2026Oct 13, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
35 Main St, South Bound Brook, NJ 08880
Share Certificate 48 month SC
$1,000
3.24% ▲ 0.77% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.77% above avgNationally 2.80%
Details

Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 3.24% APY
2.74%3.24%3.74%Oct 13, 2026: 3.24% APYOct 13, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
120 Windsor Center Dr, East Windsor, NJ 08520
4 Year Certificate
$0
3.20% ▲ 0.73% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.47%▲ 0.73% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
439 Livingston Ave, New Brunswick, NJ 08901
4 Year Certificate of Deposit
$0
3.20% ▲ 0.73% above New Jersey avg
View
▼
Rate3.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.47%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
439 Livingston Ave, New Brunswick, NJ 08901
IRA 4 years - Fixed rate
$0
3.20% ▲ 0.73% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.47%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 7, 2026: 3.20% APYOct 7, 2026Oct 13, 2026
New Jersey Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
144 W Route 38, Moorestown, NJ 08057
48 Month CD (Certificate of Deposit) - Share Certificates/IRA Certificates Rollover / New Balances
$0
3.20% ▲ 0.73% above New Jersey avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.73% above avgNationally 2.80%
Details

Balance: $1,000 - $19,999.99

Rate History
No change since Oct 12, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 12, 2026: 3.20% APYOct 12, 2026Oct 13, 2026
Garden State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
144 W ROUTE 38, MOORESTOWN, NJ 08057 3223
48 Month Certificates of Deposit - Rollover / New Balances
$0
3.20% ▲ 0.73% above New Jersey avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.73% above avgNationally 2.80%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 13, 2026: 3.20% APYOct 13, 2026Oct 13, 2026
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.27%
23 North Ave E, Cranford, NJ 07016 2196
4 year CD
$500
3.15% ▲ 0.68% above New Jersey avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.68% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 8, 2026: 3.15% APYOct 8, 2026Oct 13, 2026
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
660 Newark Ave, Jersey City, NJ 07306 2379
48 Month Certificate of Deposit
$500
3.15% ▲ 0.68% above New Jersey avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.68% above avgNationally 2.80%
Details

4 Years; Effective February 18, 2026; Penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 20, 2026: 3.15% APYSep 20, 2026Oct 13, 2026
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1434 New Rd, Northfield, NJ 08225
48 Month IRA & Education Certificate
$0
3.15% ▲ 0.68% above New Jersey avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.68% above avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 5, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Oct 5, 2026: 3.15% APYOct 5, 2026Oct 13, 2026
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1434 New Rd, Northfield, NJ 08225
Certificate - 48 months
$0
3.15% ▲ 0.68% above New Jersey avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.68% above avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026

New Jersey 60 Month CD Rates

MonitorBankRates New Jersey Average · 60 Month CD2.60% APY▲ 0.05% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in New Jersey is 2.60% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
500 Bloomfield Ave, Newark, NJ 07107
60 Month Certificate
$0
5.00% ▲ 2.40% above New Jersey avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.60%▲ 2.40% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 6, 2026: 5.00% APYOct 6, 2026Oct 13, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
5 years High-Yield CD
$500
4.40% ▲ 1.80% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.60%▲ 1.80% above avgNationally 2.90%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
35 Journal Sq, Jersey City, NJ 07306
60 Month 360 CDs
$0
4.30% ▲ 1.70% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.60%▲ 1.70% above avgNationally 2.90%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1 Squibb Dr, New Brunswick, NJ 08901 1588
5 Year Share Certificates
$0
4.28% ▲ 1.68% above New Jersey avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 1.68% above avgNationally 2.90%
Details

Amount: $1,000; APR/APY printed as range 4.20% - 4.28%

Rate History
No change since Oct 12, 2026 · 4.28% APY
3.78%4.28%4.78%Oct 12, 2026: 4.28% APYOct 12, 2026Oct 13, 2026
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
11 15 Cooke Ave, Carteret, NJ 07008
60 Month CD
$500
4.25% ▲ 1.65% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.60%▲ 1.65% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
5080 McLester St, Elizabeth, NJ 07201
Share Certificate - 60 Months
$0
4.23% ▲ 1.63% above New Jersey avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.60%▲ 1.63% above avgNationally 2.90%
Details

Share Certificate Type

Rate History
No change since Sep 30, 2026 · 4.23% APY · checked 4 times
3.73%4.23%4.73%Sep 30, 2026: 4.23% APYSep 30, 2026Oct 13, 2026
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
474 Prospect Ave, West Orange, NJ 07052
60-Month Certificate of Deposit
$500
4.20% ▲ 1.60% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 1.60% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
522 ADAMS ST, HOBOKEN, NJ 07030 2002
60 month Share Certificate
$0
4.16% ▲ 1.56% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 1.56% above avgNationally 2.90%
Details

Rate History
1 change since Sep 16, 2026 · 3.34% → 4.16% ▲ 0.82 pts · high 4.16% / low 3.34%
2.52%3.75%4.98%Sep 16, 2026: 3.34% APYOct 8, 2026: 4.16% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.16%▲ from 3.34%
  • Sep 16, 20263.34%first recorded
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
60 Month Business Certificate Account
$0
4.15% ▲ 1.55% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.60%▲ 1.55% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
60 Month Certificate
$0
4.15% ▲ 1.55% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.60%▲ 1.55% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
60 Month IRA Certificate
$0
4.15% ▲ 1.55% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.60%▲ 1.55% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
5 year CD
$1,000
4.15% ▲ 1.55% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.60%▲ 1.55% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Certificates - 60 Month
$0
4.01% ▲ 1.41% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 1.41% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 18, 2026: 3.91% APYOct 12, 2026: 4.01% APYSep 18, 2026Oct 13, 2026
  • Oct 12, 20264.01%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
400 Somerset St, New Brunswick, NJ 08901
60 Month IRA Certificate
$500
4.00% ▲ 1.40% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.60%▲ 1.40% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
400 Somerset St, New Brunswick, NJ 08901
60-month Certificate of Deposit
$2,500
4.00% ▲ 1.40% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.60%▲ 1.40% above avgNationally 2.90%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 19, 2026: 3.50% APYOct 3, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20264.00%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
477 Jeremiah Ave, Trenton, NJ 08610
Certificate - 60 Month
$500
3.92% ▲ 1.32% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 1.32% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 6 month interest

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
477 Jeremiah Ave, Trenton, NJ 08610
IRA Certificate - 60 Month
$500
3.92% ▲ 1.32% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 1.32% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 6 month interest

Rate History
No change since Oct 8, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 8, 2026: 3.92% APYOct 8, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2100 Route 38, Cherry Hill, NJ 08002
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 1.30% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.60%▲ 1.30% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2100 Route 38, Cherry Hill, NJ 08002
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 1.25% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.60%▲ 1.25% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2091 Springdale Rd, Cherry Hill, NJ 08003
5 Year Certificate
$500
3.85% ▲ 1.25% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.60%▲ 1.25% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
78 Washington Ave, Westwood, NJ 07675
Share Certificate - 60-Month
$500
3.75% ▲ 1.15% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.60%▲ 1.15% above avgNationally 2.90%
Details

Rate Type: Fixed

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 60 MONTH
$0
3.75% ▲ 1.15% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.60%▲ 1.15% above avgNationally 2.90%
Details

Balance: $25,000 & Over

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 60 MONTH
$0
3.70% ▲ 1.10% above New Jersey avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.60%▲ 1.10% above avgNationally 2.90%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
5 Year IRA Certificate
$0
3.65% ▲ 1.05% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.60%▲ 1.05% above avgNationally 2.90%
Details

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Oct 13, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
225 E State St, Trenton, NJ 08608 1800
Certificate of Deposit - 60 MONTH
$0
3.65% ▲ 1.05% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.60%▲ 1.05% above avgNationally 2.90%
Details

Balance: $1,000 - $9,999.99; APY printed as "365%" on source page (likely typo for 3.65%)

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.65% ▼ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Sep 14, 2026: 3.70% APYOct 13, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.65%▼ from 3.70%
  • Sep 14, 20263.70%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
35 Journal Sq, Jersey City, NJ 07306
5-year online CDs
$0
3.60% ▲ 1.00% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.60%▲ 1.00% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
35 Journal Sq, Jersey City, NJ 07306
60 Month Certificate
$0
3.60% ▲ 1.00% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.60%▲ 1.00% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
New Jersey Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
144 W Route 38, Moorestown, NJ 08057
60 Month Share Certificates/IRA Certificates Rollover / New Balances
$0
3.56% ▲ 0.96% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 0.96% above avgNationally 2.90%
Details

Balance: $50,000+; Effective date as of September 21, 2026

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
Garden State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
144 W ROUTE 38, MOORESTOWN, NJ 08057 3223
60 Month Certificates of Deposit - Rollover / New Balances
$0
3.56% ▲ 0.96% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.60%▲ 0.96% above avgNationally 2.90%
Details

Balance: $50,000 & Above

Rate History
No change since Oct 13, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 13, 2026: 3.56% APYOct 13, 2026Oct 13, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
100 Mineral Springs RD, Dover, NJ 07801
60 month IRA share certificate
$0
3.56% ▲ 0.96% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 4, 2026: 3.56% APYOct 4, 2026Oct 13, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
100 Mineral Springs RD, Dover, NJ 07801
60 month share certificate
$0
3.56% ▲ 0.96% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 13, 2026
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
Share Certificate - 60 Month
$1,000
3.56% ▲ 0.96% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.60%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
5901 Route 42, Turnersville, NJ 08012 1497
5 Year IRA Certificate
$1,000
3.55% ▲ 0.95% above New Jersey avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 0.95% above avgNationally 2.90%
Details

IRA Certificate; $1,000 Minimum

Rate History
1 change since Sep 16, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 16, 2026: 3.50% APYOct 4, 2026: 3.55% APYSep 16, 2026Oct 13, 2026
  • Oct 4, 20263.55%▲ from 3.50%
  • Sep 16, 20263.50%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
5901 Route 42, Turnersville, NJ 08012 1497
Jumbo Certificates - 5 year
$50,000
3.55% ▲ 0.95% above New Jersey avg
View
▼
Rate3.49%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 0.95% above avgNationally 2.90%
Details

Jumbo Certificate; $50,000 minimum

Rate History
1 change since Sep 16, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 16, 2026: 3.50% APYOct 12, 2026: 3.55% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20263.55%▲ from 3.50%
  • Sep 16, 20263.50%first recorded
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
5 Year IRA Certificate
$500
3.50% ▲ 0.90% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 0.90% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
660 Newark Ave, Jersey City, NJ 07306 2379
60 Month Certificate of Deposit
$5,000
3.50% ▲ 0.90% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 0.90% above avgNationally 2.90%
Details

Combined minimum deposit $5,000; 5 Years; Effective February 18, 2026; Penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1 ADP Blvd, Roseland, NJ 07068
60 Month IRA Certificate
$0
3.50% ▲ 0.90% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.60%▲ 0.90% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
1 ADP Blvd, Roseland, NJ 07068
60 Month Share Certificates
$0
3.50% ▲ 0.90% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.60%▲ 0.90% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
205 Hance Ave, TINTON FALLS, NJ 07724
60 Month Certificate Accounts & IRAs
$0
3.50% ▲ 0.90% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.60%▲ 0.90% above avgNationally 2.90%
Details

Balance: $100,000 and over

Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
5 Year Jumbo Certificate
$0
3.45% ▲ 0.85% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 0.85% above avgNationally 2.90%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 25, 2026: 3.45% APYSep 25, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
5 Year Traditional/Roth IRA Share Certificate
$0
3.45% ▲ 0.85% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 0.85% above avgNationally 2.90%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 13, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
5 Year Certificate
$0
3.45% ▲ 0.85% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.60%▲ 0.85% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
660 Newark Ave, Jersey City, NJ 07306 2379
60 Month Certificate of Deposit
$500
3.40% ▲ 0.80% above New Jersey avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 0.80% above avgNationally 2.90%
Details

5 Years; Effective February 18, 2026; Penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 20, 2026: 3.40% APYSep 20, 2026Oct 13, 2026
New Jersey Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
144 W Route 38, Moorestown, NJ 08057
60 Month CD (Certificate of Deposit) - Share Certificates/IRA Certificates Rollover / New Balances
$0
3.30% ▲ 0.70% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 0.70% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99

Rate History
No change since Oct 12, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 12, 2026: 3.30% APYOct 12, 2026Oct 13, 2026
Garden State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
144 W ROUTE 38, MOORESTOWN, NJ 08057 3223
60 Month Certificates of Deposit - Rollover / New Balances
$0
3.30% ▲ 0.70% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.60%▲ 0.70% above avgNationally 2.90%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
5901 Route 42, Turnersville, NJ 08012 1497
Certificates - 5 year
$0
3.30% ▲ 0.70% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 0.70% above avgNationally 2.90%
Details

Balance: $1,000 - $49,999

Rate History
1 change since Sep 16, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 16, 2026: 3.25% APYOct 12, 2026: 3.30% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20263.30%▲ from 3.25%
  • Sep 16, 20263.25%first recorded
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
654 Shiloh Pike, Bridgeton, NJ 08302
60 Month Share and IRA CD
$0
3.30% ▲ 0.70% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 0.70% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 8, 2026: 3.30% APYOct 8, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
5 Year Regular Certificate
$0
3.30% ▲ 0.70% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 0.70% above avgNationally 2.90%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
175 Park Ave, Madison, NJ 07940
5 Year Traditional/Roth IRA Share Certificate
$0
3.30% ▲ 0.70% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.60%▲ 0.70% above avgNationally 2.90%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 8, 2026: 3.30% APYOct 8, 2026Oct 13, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
1460 Broad St, Bloomfield, NJ 07003
Certificate - 60 Months
$500
3.30% ▲ 0.70% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.60%▲ 0.70% above avgNationally 2.90%
Details

Minimum deposit of $500 required to open and earn the stated APY

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
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.

Top CD Rates from New Jersey Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Popular Direct
60 Month Certificate
A+ 5.0 ★ TX: 2.12%
Min: $0
5.00%
Somerset Savings Bank
18 Month Variable IRA Certificate
A+ 5.0 ★ TX: 0.00%
Min: $0
4.60%
HSBC Bank USA
24 Month CD
A+ 5.0 ★ TX: 4.86%
Min: $1,000
4.45%
Marcus Bank
12 months High-Yield CD
A+ 5.0 ★ TX: 4.32%
Min: $500
4.40%
Unity Bank
18 Month CD
A 5.0 ★ TX: 9.27%
Min: $1,000
4.40%
CU Top 5 Credit Union Rates
Kinecta Federal Credit Union
18-Month Promo Certificate
A+ 5.0 ★ TX: 3.82%
Min: $100,000
4.50%
USALLIANCE
12 Month Certificate
A 5.0 ★ TX: 8.11%
Min: $0
4.50%
Healthcare Employees Federal Credit Union
Share Certificate - 12 Month
A+ 5.0 ★ TX: 2.73%
Min: $1,000
4.47%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Merck Employees Federal Credit Union
18 month Certificate
A+ 5.0 ★ TX: 0.26%
Min: $0
4.35%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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.

View Full New Jersey CD Trends
12-Month CD NJ Avg
2.890%
▲ 0.005 vs 7 days ago

New Jersey 12-month CD rates rose 0.005 points over the past 7 days to 2.890% APY.

6-Month CD NJ Avg
2.673%
▲ 0.005 vs 7 days ago

New Jersey 6-month CD rates rose 0.005 points over the past 7 days to 2.673% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

NJ CD Rate Forecast, Next 12 Months

Where are New Jersey CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

NJ 12-Month Avg APY
2.890%
6-Month Forecast
2.890%
Range: 2.69%, 3.04%
12-Month Forecast
3.140%
Range: 2.94%, 3.29%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the New Jersey average 12-month CD APY in our database.

Spread model: The New Jersey 12-month CD average currently trades 1.49% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 2.119% $105.95 $211.90 $529.75 $1,059.50
6-Month CD 2.673% $133.66 $267.31 $668.28 $1,336.55
12-Month CD 2.890% $144.48 $288.96 $722.40 $1,444.80
18-Month CD 2.769% $138.45 $276.89 $692.22 $1,384.45
24-Month CD 2.703% $135.16 $270.31 $675.78 $1,351.55
36-Month CD 2.451% $122.55 $245.11 $612.78 $1,225.55
48-Month CD 2.467% $123.35 $246.71 $616.78 $1,233.55
60-Month CD 2.604% $130.22 $260.44 $651.10 $1,302.20
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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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.

Build Your Ladder
Rung Term Deposit NJ Avg APY Annual Earnings
1 3-Month CD $5,000 2.119% $105.95
2 6-Month CD $5,000 2.673% $133.66
3 12-Month CD $5,000 2.890% $144.48
4 24-Month CD $5,000 2.703% $135.16
5 36-Month CD $5,000 2.451% $122.55
Total ($25,000 invested) $25,000 2.567% blended $641.80/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.

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1,286
CD Rates
Tracked in New Jersey
56 Banks 63 Credit Unions

About Our New Jersey CD Rate Database

MonitorBankRates tracks 1,286 CD rates from 56 banks and 63 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 to 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: Popular Direct offers a CD at 5.00% 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 63 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: 119 institutions here report CD rates

Consider an Alternative If…

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
$159/yr
At NJ 12-mo avg 2.890% 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 2.890%, saving 10% of the local median salary ($5,517/year) and putting it in a CD would earn an additional $159 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 to 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, Marcus Bank is offering its 6 Month High-Yield CD at 4.40% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Popular Direct is offering its 60 Month Certificate at 5.00% 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:
  • Popular Direct: 5.00% APY (60 Month Certificate)
  • Somerset Savings Bank: 4.60% APY (18 Month Variable IRA Certificate)
  • Kinecta Federal Credit Union: 4.50% APY (18-Month Promo Certificate)
  • USALLIANCE: 4.50% APY (12 Month Certificate)
  • Healthcare Employees Federal Credit Union: 4.47% APY (Share Certificate - 12 Month)
  • HSBC Bank USA: 4.45% APY (24 Month CD)
  • Marcus Bank: 4.40% APY (12 months High-Yield CD)
  • Unity Bank: 4.40% APY (18 Month CD)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Merck Employees Federal Credit Union: 4.35% APY (18 month Certificate)
Rates reflect recent verified offers available in New Jersey. Last Updated: October 13, 2026

New Jersey CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current New Jersey rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top New Jersey CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in New Jersey. Averages shown use the New Jersey state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for New Jersey

New Jersey CD Calculator

At today’s NJ top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

New Jersey CD Ladder

NJ CD rates currently range from 2.119% (3-month) to 2.451% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a New Jersey CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

New Jersey’s average 12-month CD is 2.890% 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: October 13, 2026

New Jersey Rates & Resources

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Cities in New Jersey

  • Absecon
  • Adelphia
  • Allamuchy
  • Allendale
  • Allenhurst
  • Allentown
  • Allenwood
  • Alloway
  • Alpha
  • Alpine
  • Andover
  • Annandale
  • Asbury
  • Asbury Park
  • Atco
  • Atlantic City
  • Atlantic Highlands
  • Audubon
  • Audubon Park
  • Augusta
  • Avalon
  • Avenel
  • Avon By The Sea
  • Baptistown
  • Barnegat
  • Barnegat Light
  • Barrington
  • Basking Ridge
  • Bass River
  • Bay Head
  • Bayonne
  • Bayville
  • Beach Haven
  • Beachwood
  • Bedminster
  • Belford
  • Belle Mead
  • Belleville
  • Bellmawr
  • Belmar
  • Belvidere
  • Bergenfield
  • Berkeley
  • Berkeley Heights
  • Berlin
  • Bernards
  • Bernardsville
  • Beverly
  • Birmingham
  • Blackwood
  • Blairstown
  • Blawenburg
  • Bloomfield
  • Bloomingdale
  • Bloomsbury
  • Bogota
  • Boonton
  • Bordentown
  • Bound Brook
  • Bradley Beach
  • Branchville
  • Brick
  • Bridgeport
  • Bridgeton
  • Bridgewater
  • Brielle
  • Brigantine
  • Broadway
  • Brooklawn
  • Brookside
  • Browns Mills
  • Budd Lake
  • Buena
  • Burlington
  • Butler
  • Buttzville
  • Caldwell
  • Califon
  • Camden
  • Cape May
  • Cape May Court House
  • Cape May Point
  • Carlstadt
  • Carteret
  • Cedar Brook
  • Cedar Grove
  • Cedar Knolls
  • Cedarville
  • Changewater
  • Chatham
  • Chatsworth
  • Cherry Hill
  • Chesilhurst
  • Chester
  • Clark
  • Clarksboro
  • Clarksburg
  • Clayton
  • Clementon
  • Cliffside Park
  • Cliffwood
  • Clifton
  • Clinton
  • Closter
  • Collingswood
  • Cologne
  • Colonia
  • Colts Neck
  • Columbia
  • Columbus
  • Cookstown
  • Corbin City
  • Cranbury
  • Cranford
  • Cream Ridge
  • Cresskill
  • Crosswicks
  • Dayton
  • Deal
  • Deepwater
  • Deerfield Street
  • Delaware
  • Delmont
  • Demarest
  • Dennisville
  • Denville
  • Dividing Creek
  • Dorchester
  • Dorothy
  • Dover
  • Downe
  • Dumont
  • Dunellen
  • East Amwell
  • East Brunswick
  • East Hanover
  • East Newark
  • East Orange
  • East Rutherford
  • Eatontown
  • Edgewater
  • Edison
  • Egg Harbor City
  • Egg Harbor Township
  • Elizabeth
  • Elmer
  • Elmwood Park
  • Elwood
  • Elwood-Magnolia
  • Emerson
  • Englewood
  • Englewood Cliffs
  • Englishtown
  • Essex Fells
  • Estell Manor
  • Ewan
  • Fair Haven
  • Fair Lawn
  • Fairfield
  • Fairton
  • Fairview
  • Fanwood
  • Far Hills
  • Farmingdale
  • Fieldsboro
  • Flagtown
  • Flanders
  • Flemington
  • Florence
  • Florham Park
  • Folsom
  • Fords
  • Forked River
  • Fort Lee
  • Fort Monmouth
  • Fortescue
  • Franklin
  • Franklin Lakes
  • Franklin Park
  • Franklinville
  • Freehold
  • Frenchtown
  • Garfield
  • Garwood
  • Gibbsboro
  • Gibbstown
  • Gillette
  • Gladstone
  • Glassboro
  • Glasser
  • Glen Gardner
  • Glen Ridge
  • Glen Rock
  • Glendora
  • Glenwood
  • Gloucester City
  • Goshen
  • Great Meadows
  • Great Meadows-Vienna
  • Green Creek
  • Green Village
  • Greendell
  • Greenwich
  • Grenloch
  • Guttenberg
  • Hackensack
  • Hackettstown
  • Haddon Heights
  • Haddonfield
  • Hainesport
  • Haledon
  • Hamburg
  • Hammonton
  • Hampton
  • Hancocks Bridge
  • Hardyston
  • Harrington Park
  • Harrison
  • Harrisonville
  • Harvey Cedars
  • Hasbrouck Heights
  • Haskell
  • Haworth
  • Hawthorne
  • Hazlet
  • Heislerville
  • Helmetta
  • Hewitt
  • Hi-Nella
  • Hibernia
  • High Bridge
  • Highland Lakes
  • Highland Park
  • Highlands
  • Hightstown
  • Hillsdale
  • Hillside
  • Ho Ho Kus
  • Ho-Ho-Kus
  • Hoboken
  • Holmdel
  • Hopatcong
  • Hope
  • Hopewell
  • Howell
  • Imlaystown
  • Interlaken
  • Ironia
  • Irvington
  • Iselin
  • Island Heights
  • Jackson
  • Jamesburg
  • Jersey City
  • Jobstown
  • Johnsonburg
  • Juliustown
  • Keansburg
  • Kearny
  • Keasbey
  • Kendall Park
  • Kenilworth
  • Kenvil
  • Keyport
  • Kingston
  • Kinnelon
  • Lafayette
  • Lake Como
  • Lake Hiawatha
  • Lake Hopatcong
  • Lakehurst
  • Lakewood
  • Lambertville
  • Landing
  • Landisville
  • Lanoka Harbor
  • Laurel Springs
  • Lavallette
  • Lawnside
  • Layton
  • Lebanon
  • Ledgewood
  • Leeds Point
  • Leesburg
  • Leonardo
  • Leonia
  • Liberty Corner
  • Lincoln Park
  • Lincroft
  • Linden
  • Lindenwold
  • Linwood
  • Little Falls
  • Little Ferry
  • Little Silver
  • Little York
  • Livingston
  • Loch Arbour
  • Lodi
  • Long Branch
  • Long Valley
  • Longport
  • Lumberton
  • Lyndhurst
  • Lyons
  • Madison
  • Magnolia
  • Mahwah
  • Malaga
  • Manahawkin
  • Manasquan
  • Mantoloking
  • Mantua
  • Manville
  • Maple Shade
  • Maplewood
  • Margate City
  • Marlboro
  • Marlton
  • Marmora
  • Martinsville
  • Matawan
  • Maurice River
  • Mauricetown
  • Mays Landing
  • Maywood
  • McAfee
  • Medford
  • Medford Lakes
  • Mendham
  • Merchantville
  • Metuchen
  • Mickleton
  • Middlesex
  • Middletown
  • Middleville
  • Midland Park
  • Milford
  • Millburn
  • Millington
  • Millstone
  • Milltown
  • Millville
  • Milmay
  • Mine Hill
  • Minotola
  • Mizpah
  • Monmouth Beach
  • Monmouth Junction
  • Monroeville
  • Montague
  • Montclair
  • Montvale
  • Montville
  • Moonachie
  • Moorestown
  • Morganville
  • Morris Plains
  • Morristown
  • Mount Arlington
  • Mount Ephraim
  • Mount Freedom
  • Mount Holly
  • Mount Laurel
  • Mount Royal
  • Mount Tabor
  • Mountain Lakes
  • Mountainside
  • Mullica Hill
  • National Park
  • Navesink
  • Neptune
  • Neptune City
  • Neshanic Station
  • Netcong
  • New Brunswick
  • New Egypt
  • New Gretna
  • New Lisbon
  • New Milford
  • New Providence
  • New Vernon
  • New York
  • Newark
  • Newfield
  • Newfoundland
  • Newport
  • Newton
  • Newtonville
  • Norma
  • Normandy Beach
  • North Arlington
  • North Bergen
  • North Brunswick
  • North Caldwell
  • North Haledon
  • North Plainfield
  • North Wildwood
  • Northfield
  • Northvale
  • Norwood
  • Nutley
  • Oak Ridge
  • Oakhurst
  • Oakland
  • Oaklyn
  • Ocean City
  • Ocean Gate
  • Ocean Grove
  • Ocean View
  • Oceanport
  • Oceanville
  • Ogdensburg
  • Old Bridge
  • Old Tappan
  • Oldwick
  • Oradell
  • Orange
  • Oxford
  • Palisades Park
  • Palmyra
  • Paramus
  • Park Ridge
  • Parlin
  • Parsippany
  • Passaic
  • Paterson
  • Paulsboro
  • Peapack
  • Peapack and Gladstone
  • Pedricktown
  • Pemberton
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