New Jersey Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current New Jersey CD rates include Habib American HAB BankHabib American HAB Bank1585 Oak Tree Rd, Iselin, NJ 08830A+5.0 ★Texas Ratio: 0.00%Real return: +1.70%APY minus CPI (February 2026) offering 12 Months at 4.50% APY, Bogota Savings BankBogota Savings Bank819 Teaneck Rd, Teaneck, NJ 07666A5.0 ★Texas Ratio: 10.28%Real return: +1.45%APY minus CPI (February 2026) offering 24-Month CD at 4.25% APY, SOUTHERN MIDDLESEX CO TCHRSSOUTHERN MIDDLESEX CO TCHRS39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601A+5.0 ★Texas Ratio: 10.08%Real return: +1.45%APY minus CPI (February 2026) offering 5 year CD at 4.25% APY, USALLIANCEUSALLIANCE1 Corporate Dr, Wayne, NJ 07470 3112B4.5 ★Texas Ratio: 6.66%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month Certificate at 4.25% APY, and Somerset Savings BankSomerset Savings Bank220 W Union Ave, Bound Brook, NJ 08805A+5.0 ★Texas Ratio: 0.07%Real return: +1.43%APY minus CPI (February 2026) offering 18 Month Variable IRA at 4.23% APY. CD rates as of September 1, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in New Jersey side-by-side. New Jersey CD rates currently reach as high as 4.50% APY from Habib American HAB Bank at 1585 Oak Tree Rd, Iselin, NJ 08830. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 1, 2026
Compare Best CD Rates in New Jersey
New Jersey 3 Month CD Rates
MonitorBankRates National Average — 3 Month CD1.96% APY▲ 0.02% from last week
The national average 3-month CD rate is 1.96% APY as of September 2, 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
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1585 Oak Tree Rd, Iselin, NJ 08830
3 Months
$0
4.50%
▲ 2.54% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.54% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
3 Month
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1410 Saint Georges Ave, Avenel, NJ 07001
3 month
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 3 Month Certificate
$500
3.75%
▲ 1.79% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
(Fixed Rate)
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
3 Months
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.79% above avg
Details
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
851 Allwood Rd, Clifton, NJ 07012
3 Month IRA Share Certificate
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
261 Comly Rd, Lincoln Park, NJ 07035
3 Month Certificate
$0
3.70%
▲ 1.74% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.74% above avg
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
261 Comly Rd, Lincoln Park, NJ 07035
Business 3 Month Certificate
$0
3.70%
▲ 1.74% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.74% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
3-Month CD
$500
3.55%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Account matures in 3 months.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
3 Month
$0
3.55%
▲ 1.59% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
3 Month Business CD
$1,000
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
3 Month CD
$1,000
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
3 Month Request Appointment
$1,000
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ 07446
3 Months CD
$0
3.50%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
3 Month CD
$500
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.54% above avg
Details
The Atlantic Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.64%
1331 Magie Ave, Union, NJ 07083
3 Month ULTRA
$0
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
ULTRA
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ 07936
3 Month
$500
3.50%
▲ 1.54% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 1 month loss of dividends on a 3-month certificate. Rates are subject to change without notice. Membership and proper ID are required to open a certificate.
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
851 Allwood Rd, Clifton, NJ 07012
3 Month Share Certificate Special
$0
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
3 Month CD
$500
3.40%
▲ 1.44% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
78 Washington Ave, Westwood, NJ 07675
3 month to 5 month
$0
3.30%
▲ 1.34% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
392 Main St, Hackensack, NJ 07601 5805
3 Month Certificate
$0
3.03%
▲ 1.07% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.07% above avg
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3 Sunset Road And Route 541, Burlington, NJ 08016
3 Month
$2,500
3.00%
▲ 1.04% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
The Atlantic Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.64%
1331 Magie Ave, Union, NJ 07083
3 Month
$0
3.00%
▲ 1.04% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
3 month
$0
2.80%
▲ 0.84% above national avg
▼
Rate2.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.84% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 3 month
$0
2.80%
▲ 0.84% above national avg
▼
Rate2.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.84% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
3-Month CD
$1,000
2.75%
▲ 0.79% above national avg
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.79% above avg
Details
Visit your nearest branch to open an account
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
3 month
$0
2.55%
▲ 0.59% above national avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.59% above avg
Details
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6823 Bergenline Ave, Guttenberg, NJ 07093
3 Months
$500
2.30%
▲ 0.34% above national avg
▼
Rate2.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.34% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ 08610
3 Month Certificate
$0
2.27%
▲ 0.31% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.31% above avg
Details
Early Withdrawal Penalty: 1 month interest
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.43%
524 N Pearl St, Bridgeton, NJ 08302
90 Day Certificate
$0
2.06%
▲ 0.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.10% above avg
Details
The Berkshire Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
517 Cedar Ln, Teaneck, NJ 07666
3 Month CD
$10,000
2.02%
▲ 0.06% above national avg
▼
Rate2.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.06% above avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
3 Month Relationship
$1,000
1.74%
▼ 0.22% below national avg
▼
Rate1.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.22% below avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
3 Month Relationship
$1,000
1.50%
▼ 0.46% below national avg
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.46% below avg
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
253 W Main St, Moorestown, NJ 08057
3 Month CD
$500
1.50%
▼ 0.46% below national avg
▼
Rate1.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.46% below avg
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
3-Month CD
$1,000
1.50%
▼ 0.46% below national avg
▼
Rate1.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.46% below avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
3 Month Relationship
$1,000
1.25%
▼ 0.71% below national avg
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.71% below avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
3 Months
$1,000
1.24%
▼ 0.72% below national avg
▼
Rate1.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.72% below avg
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ 08835 1801
3 month Certificate
$0
1.10%
▼ 0.86% below national avg
▼
Rate1.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.86% below avg
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.43%
524 N Pearl St, Bridgeton, NJ 08302
90 Day IRA Certificate
$0
1.01%
▼ 0.95% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.95% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
53 S Laurel St, Bridgeton, NJ 08302
3 Month
$0
1.00%
▼ 0.96% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
53 S Laurel St, Bridgeton, NJ 08302
3 Month TD Choice CD
$250
1.00%
▼ 0.96% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
Relationship APY
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
3 Month Business Certificate Account
$0
1.00%
▼ 0.96% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
3 Month Certificate
$0
1.00%
▼ 0.96% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
3 Month IRA Certificate
$0
1.00%
▼ 0.96% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
3 Month Relationship
$1,000
1.00%
▼ 0.96% below national avg
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
3 Months
$1,000
1.00%
▼ 0.96% below national avg
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
3 Month IRA
$0
0.90%
▼ 1.06% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.06% below avg
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
Business Share Certificate 3 Month
$500
0.90%
▼ 1.06% below national avg
▼
Rate0.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.06% below avg
Details
All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union.
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
3 Months
$1,000
0.75%
▼ 1.21% below national avg
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.21% below avg
Details
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
170 S Broadway, Pennsville, NJ 08070
3 Month CD
$2,500
0.75%
▼ 1.21% below national avg
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.21% below avg
Details
New Jersey 6 Month CD Rates
MonitorBankRates National Average — 6 Month CD2.67% APY▲ 0.03% from last week
The national average 6-month CD rate is 2.67% APY as of September 2, 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
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1585 Oak Tree Rd, Iselin, NJ 08830
6 Months
$0
4.50%
▲ 1.83% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.83% above avg
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
6-Month New Branch Promo
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
New Branch Promo
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ 08003
6 Month
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
6 Month
$0
3.95%
▲ 1.28% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.28% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ 08610
6 Month Certificate
$0
3.92%
▲ 1.25% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.25% above avg
Details
Early Withdrawal Penalty: 1 month interest
The Atlantic Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.64%
1331 Magie Ave, Union, NJ 07083
6 Month ULTRA
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
ULTRA
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
975 Hooper Ave, Toms River, NJ 08753
6 Month CD
$5,000
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/9/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
6 Month Pick Your Term
$5,000
3.85%
▲ 1.18% above national avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
6 month CD
$1,000
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ 07928
New Money CD 6 months
$1,000
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Exclusively for Premier clients. New Money is determined at HSBC's discretion.
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
734 Sanford Ave, Newark, NJ 07106
IRA Certificates 6 months
$0
3.79%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.12% above avg
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
6 Months
$0
3.76%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.09% above avg
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
64 Old Highway 22, Clinton, NJ 08809
6 Month CD
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Parke Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
601 Delsea Dr, Sewell, NJ 08080
6 Months
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
6 Month
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Online Only
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
6 Month Business CD
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
6 Month CD
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 6 Month Certificate
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
(Fixed Rate)
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
6 Months IRA
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 1.08% above avg
Details
IRA
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
6 Month
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
619 Union Ave, Middlesex, NJ 08846
6 months
$0
3.67%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.00% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
6 Month CD
$500
3.65%
▲ 0.98% above national avg
▼
Rate3.58%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
6 Month
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
6 MONTH
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
FNB of Elmer
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
10 S Main St, Elmer, NJ 08318
6 Month PROMO
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
($10K min NEW money) Interest is Compounded/ Contracted: Monthly/Monthly
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
6 Month CD
$500
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 0.93% above avg
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
6 MONTH
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
6 MONTH
$0
3.55%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2091 Springdale Rd, Cherry Hill, NJ 08003
6 Month Certificate
$500
3.51%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.84% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
6-Month Certificate of Deposit
$500
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
6-Month Fixed Rate CD
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
6 Month Business CD
$1,000
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
6 Month CD
$1,000
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
6 Month Request Appointment
$1,000
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
6-Month Promo
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
6 month Certificate
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
6 month IRA Certificate
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
6 month share certificate
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Traditional SC 6 Mo.
$500
3.45%
▲ 0.78% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.78% above avg
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
SC 6 Mo.
$500
3.45%
▲ 0.78% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.78% above avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
6 Month Relationship
$1,000
3.30%
▲ 0.63% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details
Century Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
1376 W Sherman Ave, Vineland, NJ 08360
6 Months
$500
3.29%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.62% above avg
Details
The Atlantic Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.64%
1331 Magie Ave, Union, NJ 07083
6 Month
$0
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
78 Washington Ave, Westwood, NJ 07675
6 month to 11 month
$0
3.20%
▲ 0.53% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.53% above avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
6 Month Relationship
$1,000
3.10%
▲ 0.43% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6823 Bergenline Ave, Guttenberg, NJ 07093
6 Months
$500
3.10%
▲ 0.43% above national avg
▼
Rate3.01%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3 Sunset Road And Route 541, Burlington, NJ 08016
6 Month
$2,500
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
6-Month CD
$1,000
3.00%
▲ 0.33% above national avg
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Visit your nearest branch to open an account
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
6-Month CD
$1,000
3.00%
▲ 0.33% above national avg
▼
Rate2.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
The Atlantic Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.64%
1331 Magie Ave, Union, NJ 07083
IRA Certificate 6 Month
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
New Jersey 12 Month CD Rates
MonitorBankRates National Average — 12 Month CD2.83% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.83% APY as of September 2, 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
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1585 Oak Tree Rd, Iselin, NJ 08830
12 Months
$0
4.50%
▲ 1.67% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.67% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 12 Month Certificate
$500
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
(Fixed Rate)
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
12 Month
$0
4.06%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.23% above avg
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
12-month CD
$0
4.06%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.23% above avg
Details
Open a 9, or 12-month CD and receive this special rate!
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ 07003
12 Months
$0
4.05%
▲ 1.22% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
2
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1410 Saint Georges Ave, Avenel, NJ 07001
12 month
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
Millennium Club Account - 1 Year Term
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Minimum to open and obtain APY is $1,000 contract amount (Fixed Rate)
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
12 month Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
12 month IRA Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
1 year CD
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ 07928
New Money CD 12 months
$1,000
3.95%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.12% above avg
Details
Exclusively for Premier clients. New Money is determined at HSBC's discretion.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
12 Month (IRA Certificate)
$0
3.91%
▲ 1.08% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.08% above avg
Details
IRA Certificate
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
12-Month Jumbo Promo Certificate
$100,000
3.90%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ 08610
12 Month Certificate
$0
3.87%
▲ 1.04% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.04% above avg
Details
Early Withdrawal Penalty: 3 month interest
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
439 Livingston Ave, New Brunswick, NJ 08901
1 year - Fixed rate
$0
3.85%
▲ 1.02% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
439 Livingston Ave, New Brunswick, NJ 08901
IRA Certificates 1 year - Fixed rate
$0
3.85%
▲ 1.02% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
12 Month Pick Your Term
$5,000
3.85%
▲ 1.02% above national avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
12-Month Promo
$0
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
12 Month
$0
3.81%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.98% above avg
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
12 MONTH
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
12-month
$10,000
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
12 Months IRA
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 0.92% above avg
Details
IRA
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
12-Month Jumbo Promo Certificate
$100
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Promotional certificate. Minimum balance to open regular share certificate and obtain APY is $100.
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
734 Sanford Ave, Newark, NJ 07106
IRA Certificates 12 months
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
12 MONTH
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
12 Month CD
$100
3.70%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 0.87% above avg
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ 08003
12 Month
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
Over $50,000
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
12 MONTH
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
Platinum Certificate 12 Months
$0
3.66%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.83% above avg
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
12 month share certificate
$0
3.61%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.78% above avg
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 12 Mo.
$500
3.61%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.78% above avg
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
SC 12 Mo.
$500
3.61%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.78% above avg
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ 08003
12 Month
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
619 Union Ave, Middlesex, NJ 08846
1 year
$0
3.57%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.74% above avg
Details
ABCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
690 Beverly Rancocas Road, Willingboro, NJ 08046
12-Month Certificate
$0
3.56%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.73% above avg
Details
As low as; APR*
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ 07446
12 Months CD
$0
3.55%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
1 Year IRA
$500
3.55%
▲ 0.72% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ 08094
1-Year CD
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ 08094
Education - 12-Month Certificate
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ 08094
Regular/Roth - 12-Month Certificate
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
35 Main St, South Bound Brook, NJ 08880
12 Months IRA Share Certificate
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2091 Springdale Rd, Cherry Hill, NJ 08003
1 Year Certificate
$500
3.51%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.68% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
12-Month Fixed Rate CD
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
12 Month
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Parke Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
601 Delsea Dr, Sewell, NJ 08080
12 Months
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
12 Month
$1,000
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Online Only
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
12 Month Business CD
$1,000
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
12 Month CD
$1,000
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
12 Month IRA CD
$1,000
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
12 Month Request Appointment
$1,000
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
New Jersey 18 Month CD Rates
MonitorBankRates National Average — 18 Month CD2.68% APY▲ 0.04% from last week
The national average 18-month CD rate is 2.68% APY as of September 2, 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
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
220 W Union Ave, Bound Brook, NJ 08805
18 Month Variable IRA
$0
4.23%
▲ 1.55% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.55% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ 08610
18 Month Certificate
$0
4.08%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.40% above avg
Details
Early Withdrawal Penalty: 3 month interest
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
18 Month Pick Your Term
$5,000
4.00%
▲ 1.32% above national avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
18 Month CD
$500
4.00%
▲ 1.32% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ 07003
18 Months
$0
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
3 | New Deposits Only
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
18 month CD
$1,000
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
18 Month (Legacy Club)
$0
3.91%
▲ 1.23% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details
Legacy Club
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
18 MONTH
$0
3.90%
▲ 1.22% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
495 Manila Ave, Jersey City, NJ 07302
18-Month M&T Select CD
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
18 MONTH
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
18 Month
$0
3.81%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.13% above avg
Details
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
429 Main St, Metuchen, NJ 08840
IRA 18 MONTHS MARKET PACER
$25
3.80%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$25
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 1.12% above avg
Details
Continuously/ Monthly
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
429 Main St, Metuchen, NJ 08840
IRA 18 MONTHS STEADY EARNER
$500
3.80%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 1.12% above avg
Details
Continuously/ Monthly
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
18 MONTH
$0
3.80%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
18 Month Business CD
$1,000
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
18 Month CD
$1,000
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
18 Month IRA CD
$1,000
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
18 Month Request Appointment
$1,000
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
18 Months IRA
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 1.07% above avg
Details
IRA
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
385 N Franklin Tpke, Ramsey, NJ 07446
18 Months CD
$0
3.70%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6823 Bergenline Ave, Guttenberg, NJ 07093
18 Month Variable Rate IRA
$500
3.66%
▲ 0.98% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.98% above avg
Details
**
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6823 Bergenline Ave, Guttenberg, NJ 07093
18 Months Fixed Rate IRA
$500
3.66%
▲ 0.98% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.98% above avg
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
18 month share certificate
$0
3.66%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.98% above avg
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
18 Months
$0
3.61%
▲ 0.93% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.93% above avg
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
18 Month IRA
$0
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
Business Share Certificate 18 Month
$500
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union.
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
975 Hooper Ave, Toms River, NJ 08753
18 Month CD
$5,000
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/11/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for an 18-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
18 Month
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 18 Month Certificate
$500
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
(Fixed Rate)
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
78 Washington Ave, Westwood, NJ 07675
18 month to 23 month
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
18-month term
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
18-month term CD Specials
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
18-month term CD Specials Rewards
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
18-month term IRA CD Specials
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
18-month term IRA CD Specials Rewards
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
IRA CD Specials - 18-month term
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
18 Month CD
$100
3.40%
▲ 0.72% above national avg
▼
Rate3.34%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.72% above avg
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
18 Month IRA CD
$250
3.40%
▲ 0.72% above national avg
▼
Rate3.30%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.72% above avg
Details
**
Parke Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
601 Delsea Dr, Sewell, NJ 08080
18 Months
$0
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
711 Union Blvd, Totowa, NJ 07512 2207
18 Months
$0
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
18 month
$0
3.15%
▲ 0.47% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.47% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 18 month
$0
3.15%
▲ 0.47% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.47% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
18 Month CD
$500
3.00%
▲ 0.32% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
18-Month CD
$500
3.00%
▲ 0.32% above national avg
▼
Rate2.92%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
120 Windsor Center Dr, East Windsor, NJ 08520
18 Month Certificate
$0
2.90%
▲ 0.22% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.22% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
18 month
$0
2.90%
▲ 0.22% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.22% above avg
Details
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1585 Oak Tree Rd, Iselin, NJ 08830
18 Months
$0
2.75%
▲ 0.07% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.07% above avg
Details
Century Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
1376 W Sherman Ave, Vineland, NJ 08360
18 Months
$500
2.68%
At national avg
▼
Rate2.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%At the average
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3 Sunset Road And Route 541, Burlington, NJ 08016
18 Month
$2,500
2.50%
▼ 0.18% below national avg
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.18% below avg
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
400 Somerset St, New Brunswick, NJ 08901
18-month CD
$2,500
2.50%
▼ 0.18% below national avg
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.18% below avg
Details
New Jersey 24 Month CD Rates
MonitorBankRates National Average — 24 Month CD2.71% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 2, 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
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
819 Teaneck Rd, Teaneck, NJ 07666
24-Month CD
$1,000
4.25%
▲ 1.54% above national avg
▼
Rate4.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Interest Compounded Daily | Posted Monthly
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
819 Teaneck Rd, Teaneck, NJ 07666
24-Month IRA Certificate
$500
4.25%
▲ 1.54% above national avg
▼
Rate4.16%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Interest Compounded Daily | Posted Monthly
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
1 Corporate Dr, Wayne, NJ 07470 3112
24 Month Certificate
$0
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Special Rate
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
2 year CD
$1,000
4.15%
▲ 1.44% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.44% above avg
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
24 MONTH
$0
4.11%
▲ 1.40% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.40% above avg
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
24-Month Jumbo Promo Certificate
$100,000
4.10%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
24 MONTH
$0
4.06%
▲ 1.35% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.35% above avg
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
24-Month CD
$500
4.05%
▲ 1.34% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
24 Month Pick Your Term
$5,000
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
24 Month
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
24 MONTH
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
24-Month Jumbo Promo Certificate
$100
3.95%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.24% above avg
Details
Promotional certificate. Minimum balance to open regular share certificate and obtain APY is $100.
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
439 Livingston Ave, New Brunswick, NJ 08901
2 years - Fixed rate add on
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
439 Livingston Ave, New Brunswick, NJ 08901
IRA Certificates 2 years - Fixed rate add on
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
24 Month
$0
3.81%
▲ 1.10% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.10% above avg
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
175 Park Ave, Madison, NJ 07940
24 months
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
24-month
$10,000
3.75%
▲ 1.04% above national avg
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ 08094
2-Year CD
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
24 Months IRA
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 1.04% above avg
Details
IRA
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
78 Washington Ave, Westwood, NJ 07675
24 month to 29 month
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6823 Bergenline Ave, Guttenberg, NJ 07093
24 Months Fixed Rate IRA
$500
3.66%
▲ 0.95% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.95% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ 08610
24 Month Certificate
$0
3.61%
▲ 0.90% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.90% above avg
Details
Early Withdrawal Penalty: 3 month interest
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2091 Springdale Rd, Cherry Hill, NJ 08003
2 Year Certificate
$500
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
24 month share certificate
$0
3.56%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.85% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
24 Month
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ 07003
24 Months
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
2 Years
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
667 Chestnut St, Union, NJ 07083
24-Month Term Share
$0
3.50%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Promotional Dividend Rate
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
619 Union Ave, Middlesex, NJ 08846
2 years
$0
3.47%
▲ 0.76% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.76% above avg
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
24 Month IRA CD
$1,000
3.40%
▲ 0.69% above national avg
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
24 Month Special CD
$1,000
3.40%
▲ 0.69% above national avg
▼
Rate3.34%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
24 Month CD
$100
3.40%
▲ 0.69% above national avg
▼
Rate3.34%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.69% above avg
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ 08003
2 Year
$0
3.35%
▲ 0.64% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
Over $50,000
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 24 Mo.
$500
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
SC 24 Mo.
$500
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
734 Sanford Ave, Newark, NJ 07106
IRA Certificates 24 months
$0
3.29%
▲ 0.58% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.58% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
24-Month Fixed Rate CD
$0
3.25%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
24 Month
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Online Only
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
24 Month Business CD
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
24 Month CD
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
24 Month IRA CD
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
24 Month Request Appointment
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 2 Year Certificate
$500
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
(Fixed Rate)
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
2 year
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 2 year
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
2091 Springdale Rd, Cherry Hill, NJ 08003
2 Year
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
24 Month IRA
$0
3.15%
▲ 0.44% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.44% above avg
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
Business Share Certificate 24 Month
$500
3.15%
▲ 0.44% above national avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.44% above avg
Details
All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union.
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
170 S Broadway, Pennsville, NJ 08070
24 Month CD
$2,500
3.04%
▲ 0.33% above national avg
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.33% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
24 Month CD
$500
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
New Jersey 36 Month CD Rates
MonitorBankRates National Average — 36 Month CD2.66% APY▲ 0.03% from last week
The national average 36-month CD rate is 2.66% APY as of September 2, 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
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
3 year CD
$1,000
4.15%
▲ 1.50% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.50% above avg
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
36-Month CD
$500
4.10%
▲ 1.44% above national avg
▼
Rate3.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
36 Month
$0
3.81%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
36 Month
$0
3.81%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
36-month
$10,000
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
36 Months IRA
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 1.10% above avg
Details
IRA
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
36 MONTH
$0
3.70%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ 08610
36 Month Certificate
$0
3.66%
▲ 1.01% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.01% above avg
Details
Early Withdrawal Penalty: 3 month interest
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2091 Springdale Rd, Cherry Hill, NJ 08003
3 Year Certificate
$500
3.65%
▲ 1.00% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.00% above avg
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
36 MONTH
$0
3.60%
▲ 0.95% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
36 month share certificate
$0
3.56%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.91% above avg
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
36 MONTH
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
36 Month
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
3 Year CD / IRA
$500
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
new money only^
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
3-Year
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
78 Washington Ave, Westwood, NJ 07675
36 month to 47 month
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
99 Beauvoir Ave Fl 2, Summit, NJ 07901
36 Month CD
$500
3.50%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
Certificate PLU$ 3 Years
$0
3.45%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
36 Month CD
$100
3.40%
▲ 0.75% above national avg
▼
Rate3.34%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.75% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
3 year
$0
3.35%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 3 year
$0
3.35%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ 07003
36 Months
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 36 Mo.
$500
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
SC 36 Mo.
$500
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
35 Main St, South Bound Brook, NJ 08880
36 Months IRA Share Certificate
$0
3.29%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
36-Month Certificate of Deposit
$500
3.20%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
Details
Earn 3.20% APY on balances of $500 or more. Account matures in 36 months.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
36-Month Fixed Rate CD
$0
3.20%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ 08098
Certificate of Deposit Promo 36-Month Bump Up
$0
3.20%
▲ 0.55% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
Details
Bump Up
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
439 Livingston Ave, New Brunswick, NJ 08901
3 years - Fixed rate
$0
3.20%
▲ 0.55% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
439 Livingston Ave, New Brunswick, NJ 08901
IRA Certificates 3 years - Fixed rate
$0
3.20%
▲ 0.55% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
3 year
$0
3.10%
▲ 0.45% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.45% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
734 Sanford Ave, Newark, NJ 07106
IRA Certificates 36 months
$0
3.03%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.38% above avg
Details
NCUA-insured: Yes
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
36 Month CD
$500
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
36 Month Business CD
$1,000
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
36 Month CD
$1,000
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
36 Month IRA CD
$1,000
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
36 Month Request Appointment
$1,000
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
36 Month CD
$500
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Interest credited monthly.
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
36 Month IRA CD
$500
3.00%
▲ 0.35% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
400 Somerset St, New Brunswick, NJ 08901
36-month CD
$2,500
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
400 Somerset St, New Brunswick, NJ 08901
IRA Certificate 36-month
$500
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
429 Main St, Metuchen, NJ 08840
3 YEARS
$500
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.35% above avg
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ 07936
36 Month
$500
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 6 months loss of dividends on a 1 year+ month certificate. Rates are subject to change without notice. Membership and proper ID are required to open a certificate.
New York Times Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
91 Fieldcrest Ave, Edison, NJ 08837
3 Years IRA Certificate
$0
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
120 Windsor Center Dr, East Windsor, NJ 08520
3 Year Certificate
$0
2.90%
▲ 0.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.25% above avg
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
36 Month IRA
$0
2.90%
▲ 0.25% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.25% above avg
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
Business Share Certificate 36 Month
$500
2.90%
▲ 0.25% above national avg
▼
Rate2.86%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.25% above avg
Details
All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union.
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.43%
524 N Pearl St, Bridgeton, NJ 08302
3 Year Certificate
$0
2.86%
▲ 0.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.21% above avg
Details
Parke Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
601 Delsea Dr, Sewell, NJ 08080
36 Months
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
36-month term
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
New Jersey 48 Month CD Rates
MonitorBankRates National Average — 48 Month CD2.66% APY▲ 0.04% from last week
The national average 48-month CD rate is 2.66% APY as of September 2, 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
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
4 year CD
$1,000
4.20%
▲ 1.54% above national avg
▼
Rate4.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.54% above avg
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
48-Month CD
$500
4.15%
▲ 1.49% above national avg
▼
Rate4.01%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.49% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
48 Month
$0
3.81%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
48-month
$10,000
3.75%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2091 Springdale Rd, Cherry Hill, NJ 08003
4 Year Certificate
$500
3.75%
▲ 1.09% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
48 MONTH
$0
3.70%
▲ 1.04% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.04% above avg
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
48 MONTH
$0
3.65%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.99% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
48 Month
$0
3.60%
▲ 0.94% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
48 MONTH
$0
3.60%
▲ 0.94% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
48 month share certificate
$0
3.56%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
48 Month
$0
3.56%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
4-Year
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
78 Washington Ave, Westwood, NJ 07675
48 month to 59 month
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
Certificate PLU$ 4 Years
$0
3.45%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
4 year
$0
3.40%
▲ 0.74% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 4 year
$0
3.40%
▲ 0.74% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ 07003
48 Months
$0
3.30%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 48 Mo.
$500
3.30%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
SC 48 Mo.
$500
3.30%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
400 Somerset St, New Brunswick, NJ 08901
48-month CD
$2,500
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
400 Somerset St, New Brunswick, NJ 08901
IRA Certificate 48-month
$500
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
439 Livingston Ave, New Brunswick, NJ 08901
4 years - Fixed rate
$0
3.20%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
439 Livingston Ave, New Brunswick, NJ 08901
IRA Certificates 4 years - Fixed rate
$0
3.20%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
4 year
$0
3.15%
▲ 0.49% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.49% above avg
Details
Parke Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
601 Delsea Dr, Sewell, NJ 08080
48 Months
$0
3.10%
▲ 0.44% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.44% above avg
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.43%
524 N Pearl St, Bridgeton, NJ 08302
4 Year Certificate
$0
3.06%
▲ 0.40% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.40% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
48-Month CD
$500
3.05%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details
APY is fixed for a 48-month term.
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
48 Month Business CD
$1,000
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
48 Month CD
$1,000
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
48 Month IRA CD
$1,000
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
48 Month Request Appointment
$1,000
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ 07936
48 Month
$500
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 6 months loss of dividends on a 1 year+ month certificate. Rates are subject to change without notice. Membership and proper ID are required to open a certificate.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
120 Windsor Center Dr, East Windsor, NJ 08520
4 Year Certificate
$0
2.90%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
48 Month IRA
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
Business Share Certificate 48 Month
$500
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
48-month term
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
48-month term Standard CDs
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
48-month term Standard CDs Rewards
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
48-month term Standard IRA CDs
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
48-month term Standard IRA CDs Rewards
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
Standard IRA CDs 48-month term
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
711 Union Blvd, Totowa, NJ 07512 2207
48 Months
$0
2.78%
▲ 0.12% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.12% above avg
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
48 Month CD
$500
2.75%
▲ 0.09% above national avg
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.09% above avg
Details
Interest credited monthly.
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
48 Month IRA CD
$500
2.75%
▲ 0.09% above national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.09% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
48-month term
$0
2.64%
▼ 0.02% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.02% below avg
Details
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
619 Union Ave, Middlesex, NJ 08846
4 years
$0
2.62%
▼ 0.04% below national avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.04% below avg
Details
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1585 Oak Tree Rd, Iselin, NJ 08830
48 Months
$0
2.50%
▼ 0.16% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.16% below avg
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
4 Year CD
$500
2.35%
▼ 0.31% below national avg
▼
Rate2.32%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.31% below avg
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ 08094
4-Year CD
$0
2.25%
▼ 0.41% below national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.41% below avg
Details
Century Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
1376 W Sherman Ave, Vineland, NJ 08360
48 Months
$500
2.02%
▼ 0.64% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.64% below avg
Details
New Jersey 60 Month CD Rates
MonitorBankRates National Average — 60 Month CD2.76% APY▲ 0.03% from last week
The national average 60-month CD rate is 2.76% APY as of September 2, 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
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
5 year CD
$1,000
4.25%
▲ 1.49% above national avg
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.49% above avg
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
60-Month CD
$500
4.20%
▲ 1.44% above national avg
▼
Rate4.06%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.44% above avg
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
60 Month Business Certificate Account
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.39% above avg
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
60 Month Certificate
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.39% above avg
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
60 Month IRA Certificate
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.39% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
477 Jeremiah Ave, Trenton, NJ 08610
60 Month Certificate
$0
3.92%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.16% above avg
Details
Early Withdrawal Penalty: 6 month interest
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2091 Springdale Rd, Cherry Hill, NJ 08003
5 Year Certificate
$500
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.09% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
60 Month
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.05% above avg
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
2200 Mount Holly Rd, Burlington, NJ 08016
60-month
$10,000
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
60 Months IRA
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.99% above avg
Details
IRA
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
60 MONTH
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
225 E State St, Trenton, NJ 08608 1800
60 MONTH
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.94% above avg
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
5 Year IRA Certificate of Deposit
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ 07801
60 month share certificate
$0
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.80% above avg
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
60 Month
$0
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.80% above avg
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
400 Somerset St, New Brunswick, NJ 08901
60-month CD
$2,500
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
400 Somerset St, New Brunswick, NJ 08901
IRA Certificate 60-month
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
5-Year
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
5 year
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Certificates 5 year
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
Certificate PLU$ 5 Years
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.69% above avg
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ 07003
60 Months
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 60 Mo.
$500
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
SC 60 Mo.
$500
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
392 Main St, Hackensack, NJ 07601 5805
5 Year Certificate
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.53% above avg
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.43%
524 N Pearl St, Bridgeton, NJ 08302
5 Year Certificate
$0
3.26%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.50% above avg
Details
Parke Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
601 Delsea Dr, Sewell, NJ 08080
60 Months
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
5901 Route 42, Turnersville, NJ 08012 1497
5 year
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
New York Times Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
91 Fieldcrest Ave, Edison, NJ 08837
5 Years IRA Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
60-month term
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
60-month term Standard CDs
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
60-month term Standard CDs Rewards
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
60-month term Standard IRA CDs
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
60-month term Standard IRA CDs Rewards
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
Standard IRA CDs 60-month term
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
60 Month CD
$500
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
60 Month Business CD
$1,000
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
60 Month CD
$1,000
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
60 Month IRA CD
$1,000
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
60 Month Request Appointment
$1,000
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1410 Saint Georges Ave, Avenel, NJ 07001
60 month
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
429 Main St, Metuchen, NJ 08840
5 YEARS
$500
3.00%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.24% above avg
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ 07936
60 Month
$500
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 6 months loss of dividends on a 1 year+ month certificate. Rates are subject to change without notice. Membership and proper ID are required to open a certificate.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
120 Windsor Center Dr, East Windsor, NJ 08520
5 Year Certificate
$0
2.90%
▲ 0.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.14% above avg
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
60 Month IRA
$0
2.90%
▲ 0.14% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.14% above avg
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
227 Market St, Camden, NJ 08102
Business Share Certificate 60 Month
$500
2.90%
▲ 0.14% above national avg
▼
Rate2.86%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.14% above avg
Details
All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
60-month term
$0
2.84%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.08% above avg
Details
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6823 Bergenline Ave, Guttenberg, NJ 07093
60 Months
$500
2.83%
▲ 0.07% above national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.07% above avg
Details
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
619 Union Ave, Middlesex, NJ 08846
5 years
$0
2.52%
▼ 0.24% below national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.24% below avg
Details
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1585 Oak Tree Rd, Iselin, NJ 08830
60 Months
$0
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.26% below avg
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
New Jersey CD Rate Trends
Compare local New Jersey CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — NJ Avg
2.833%
▲ 1.141 vs 7 days ago
New Jersey 12-month CD rates rose 1.141 points over the past 7 days to 2.833% APY.
6-Month CD — NJ Avg
2.672%
▲ 1.283 vs 7 days ago
New Jersey 6-month CD rates rose 1.283 points over the past 7 days to 2.672% APY.
As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
NJ CD Rate Forecast — Next 12 Months
Where are New Jersey CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NJ 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%
Powered by
MonitorBankRates
What Your Savings Earn at NJ CD Rates Today
Annual interest earnings at today’s New Jersey average APYs. State average used where available; national average as fallback.
| CD Term | NJ Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 2026. | |||||
Sample CD Ladder for New Jersey Savers
$25,000 split equally across 5 terms using today’s New Jersey average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NJ Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/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.
747
CD Rates
Tracked in New Jersey
Tracked in New Jersey
47 Banks
44 Credit Unions
About Our New Jersey CD Rate Database
MonitorBankRates tracks 747 CD rates from 47 banks and 44 credit unions with locations in New Jersey, plus national online institutions available to New Jersey residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Habib American HAB Bank offers a CD at 4.50% 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 44 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 — 91 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare New Jersey savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare New Jersey money market rates
New Jersey Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
17.2%
National avg: 17.3%
Median Individual Earnings
$55,173
National avg: $47,340
Poverty Rate
9.7%
National avg: 11.1%
Unemployment Rate
6.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$156/yr
At NJ 12-mo avg 2.833% 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 2.833%, saving 10% of the local median salary ($5,517/year) and putting it in a CD would earn an additional $156 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in New Jersey
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in New Jersey
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in New Jersey typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in New Jersey as everywhere in the U.S.
Choosing a CD Term in New Jersey
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give New Jersey savers easier access to their funds. For example, Habib American HAB Bank is offering its 6 Months at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, SOUTHERN MIDDLESEX CO TCHRS is offering its 5 year CD at 4.25% 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:
- Habib American HAB Bank : 4.50% APY (12 Months)
- Bogota Savings Bank: 4.25% APY (24-Month CD)
- SOUTHERN MIDDLESEX CO TCHRS: 4.25% APY (5 year CD)
- USALLIANCE: 4.25% APY (24 Month Certificate)
- Somerset Savings Bank: 4.23% APY (18 Month Variable IRA)
- Ascendia Bank: 4.20% APY (60-Month CD)
- FourLeaf Federal Credit Union: 4.15% APY (60 Month Business Certificate Account)
- New Millennium Bank: 4.15% APY (Certificates of Deposit - 12 Month Certificate)
- New Jersey Law And Public Safety Credit Union: 4.11% APY (24 MONTH)
- Kinecta Federal Credit Union: 4.10% APY (24-Month Jumbo Promo Certificate)
Rates reflect recent verified offers available in New Jersey. Last Updated: September 1, 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
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for New Jersey
New Jersey CD Calculator
At today’s NJ top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
New Jersey CD LadderNJ CD rates currently range from 1.964% (3-month) to 2.655% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a New Jersey CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew Jersey’s average 12-month CD is 2.833% 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: September 1, 2026
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