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CD Rate Trends

Magnolia, New Jersey Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Magnolia, New Jersey CD rates from banks and credit unions serving New Jersey range from 0.05% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Magnolia, New Jersey CD rates include Popular DirectPopular DirectA+5.0 ★Texas Ratio: 2.12%Real return: +2.20%APY minus CPI (February 2026) offering 60 Month Certificate at 5.00% APY, Somerset Savings BankSomerset Savings BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.80%APY minus CPI (February 2026) offering 18 Month Variable IRA Certificate at 4.60% APY, Kinecta Federal Credit UnionKinecta Federal Credit UnionA+5.0 ★Texas Ratio: 3.82%Real return: +1.70%APY minus CPI (February 2026) offering 18-Month Promo Certificate at 4.50% APY, USALLIANCEUSALLIANCEA5.0 ★Texas Ratio: 8.11%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Certificate at 4.50% APY, and Healthcare Employees Federal Credit UnionHealthcare Employees Federal Credit UnionA+5.0 ★Texas Ratio: 2.73%Real return: +1.67%APY minus CPI (February 2026) offering Share Certificate - 12 Month at 4.47% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Magnolia is a smaller community with no bank or credit union branches currently in our database. 797 institutions serving the New Jersey area are available to Magnolia residents, with CD rates as high as 5.00% APY from Popular Direct. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Magnolia, New Jersey & the Surrounding Area

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Magnolia 3 Month CD Rates

New Jersey 3 Month CD Average2.11% APYNational 2.09%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Certificate
$0
4.30% ▲ 2.19% above New Jersey avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.11%▲ 2.19% above avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 6, 2026: 4.30% APYOct 6, 2026Oct 14, 2026
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
3 Month Certificate of Deposits
$100,000
4.10% ▲ 1.99% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.11%▲ 1.99% above avgNationally 2.09%
Details

Minimum $100,000 required to open an account.

Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 27, 2026: 4.10% APYSep 27, 2026Oct 14, 2026
Community Financial Services FCU
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Share Certificate - 3 Month
$0
3.82% ▲ 1.71% above New Jersey avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 1.71% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
3 Month Certificate
$0
3.75% ▲ 1.64% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.11%▲ 1.64% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month Certificate
$0
3.75% ▲ 1.64% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.11%▲ 1.64% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month IRA Certificate
$0
3.75% ▲ 1.64% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.11%▲ 1.64% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Certificates of Deposit - 3 Month Certificate
$500
3.75% ▲ 1.64% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 1.64% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70% ▲ 1.59% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.11%▲ 1.59% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 14, 2026
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
3 Month Certificate
$0
3.70% ▲ 1.59% above New Jersey avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 1.59% above avgNationally 2.09%
Details

APY1

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 14, 2026
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
Business 3 Month Certificate
$0
3.70% ▲ 1.59% above New Jersey avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 1.59% above avgNationally 2.09%
Details

Rate History
No change since Sep 28, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 28, 2026: 3.70% APYSep 28, 2026Oct 14, 2026
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
IRA 3 Month Certificate
$0
3.70% ▲ 1.59% above New Jersey avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 1.59% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 8, 2026: 3.70% APYOct 8, 2026Oct 14, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Certificate
$0
3.65% ▲ 1.54% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.11%▲ 1.54% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.65% ▼ 0.85 pts · high 4.50% / low 3.65%
2.80%4.07%5.35%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20263.65%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 3 Month
$0
3.65% ▲ 1.54% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 1.54% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Month Certificate of Deposit
$0
3.60% ▲ 1.49% above New Jersey avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.11%▲ 1.49% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 1.49% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.11%▲ 1.49% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 1.49% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.11%▲ 1.49% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
Pennsville National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Month CD
$2,500
3.56% ▲ 1.45% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 1.45% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 24, 2026: 3.56% APYSep 24, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55% ▲ 1.44% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.11%▲ 1.44% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
3 Month Request Appointment
$1,000
3.50% ▲ 1.39% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.11%▲ 1.39% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 27, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 27, 2026: 3.50% APYSep 27, 2026Oct 14, 2026
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
3 Month CD
$500
3.50% ▲ 1.39% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 1.39% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 14, 2026
The Atlantic Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
3 Month ULTRA Share Certificate
$100,000
3.50% ▲ 1.39% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 1.39% above avgNationally 2.09%
Details

ULTRA

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Month Share Certificate
$500
3.50% ▲ 1.39% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 1.39% above avgNationally 2.09%
Details

Dividends paid monthly; minimum certificate deposit $500

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
3 Month Share Certificate Special
$0
3.50% ▲ 1.39% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.11%▲ 1.39% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
3 Month CD
$500
3.40% ▲ 1.29% above New Jersey avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.11%▲ 1.29% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 3-Month
$500
3.25% ▲ 1.14% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.11%▲ 1.14% above avgNationally 2.09%
Details

Rate Type: Fixed

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
2.65%3.20%3.75%Sep 14, 2026: 3.15% APYOct 5, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.25%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
3 Month IRA Certificate
$1,000
3.05% ▲ 0.94% above New Jersey avg
View
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 0.94% above avgNationally 2.09%
Details

IRA Certificate; $1,000 Minimum

Rate History
1 change since Sep 16, 2026 · 2.80% → 3.05% ▲ 0.25 pts · high 3.05% / low 2.80%
2.30%2.93%3.55%Sep 16, 2026: 2.80% APYOct 4, 2026: 3.05% APYSep 16, 2026Oct 14, 2026
  • Oct 4, 20263.05%▲ from 2.80%
  • Sep 16, 20262.80%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Jumbo Certificates - 3 month
$50,000
3.05% ▲ 0.94% above New Jersey avg
View
▼
Rate3.01%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 0.94% above avgNationally 2.09%
Details

Jumbo Certificate; $50,000 minimum

Rate History
1 change since Sep 16, 2026 · 2.80% → 3.05% ▲ 0.25 pts · high 3.05% / low 2.80%
2.30%2.93%3.55%Sep 16, 2026: 2.80% APYOct 12, 2026: 3.05% APYSep 16, 2026Oct 14, 2026
  • Oct 12, 20263.05%▲ from 2.80%
  • Sep 16, 20262.80%first recorded
1st Bergen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
3 Month Certificate
$0
3.03% ▲ 0.92% above New Jersey avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.11%▲ 0.92% above avgNationally 2.09%
Details

Share Certificate; Annual Percentage Rate 3.00%

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 8 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 14, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate of Return - 3 Month
$2,500
3.00% ▲ 0.89% above New Jersey avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.11%▲ 0.89% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 14, 2026
The Atlantic Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
3 Month Share Certificate
$500
3.00% ▲ 0.89% above New Jersey avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 0.89% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
Share Certificate 3 month SC
$1,000
2.88% ▲ 0.77% above New Jersey avg
View
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.11%▲ 0.77% above avgNationally 2.09%
Details

Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 2.88% APY
2.38%2.88%3.38%Oct 13, 2026: 2.88% APYOct 13, 2026Oct 14, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Certificates - 3 month
$0
2.80% ▲ 0.69% above New Jersey avg
View
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 0.69% above avgNationally 2.09%
Details

Balance: $1,000 - $49,999

Rate History
1 change since Sep 16, 2026 · 2.55% → 2.80% ▲ 0.25 pts · high 2.80% / low 2.55%
2.05%2.68%3.30%Sep 16, 2026: 2.55% APYOct 12, 2026: 2.80% APYSep 16, 2026Oct 14, 2026
  • Oct 12, 20262.80%▲ from 2.55%
  • Sep 16, 20262.55%first recorded
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3 Month CD
$500
2.75% ▲ 0.64% above New Jersey avg
View
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.11%▲ 0.64% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3 Month Certificate
$0
2.75% ▲ 0.64% above New Jersey avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 0.64% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
Princeton Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
3 Month Youth, Teen, Young Adult Share Certificate
$100
2.63% ▲ 0.52% above New Jersey avg
View
▼
Rate2.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.11%▲ 0.52% above avgNationally 2.09%
Details

Minimum Balance To Obtain APY $100.00

Rate History
No change since Oct 13, 2026 · 2.63% APY
2.13%2.63%3.13%Oct 13, 2026: 2.63% APYOct 13, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Jumbo Certificate
$0
2.60% ▲ 0.49% above New Jersey avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 0.49% above avgNationally 2.09%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 2.60% APY · checked 4 times
2.10%2.60%3.10%Sep 25, 2026: 2.60% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Traditional/Roth IRA Share Certificate
$0
2.60% ▲ 0.49% above New Jersey avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 0.49% above avgNationally 2.09%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 8, 2026: 2.60% APYOct 8, 2026Oct 14, 2026
Princeton Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Share Certificate - 3 Months
$1,000
2.53% ▲ 0.42% above New Jersey avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.11%▲ 0.42% above avgNationally 2.09%
Details

Minimum balance to open and obtain APY

Rate History
1 change since Sep 14, 2026 · 2.30% → 2.53% ▲ 0.23 pts · high 2.53% / low 2.30%
1.80%2.42%3.03%Sep 14, 2026: 2.30% APYSep 25, 2026: 2.53% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20262.53%▲ from 2.30%
  • Sep 14, 20262.30%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Business Jumbo Certificate
$0
2.50% ▲ 0.39% above New Jersey avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 0.39% above avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Regular Certificate
$0
2.50% ▲ 0.39% above New Jersey avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 0.39% above avgNationally 2.09%
Details

Regular

Rate History
No change since Sep 25, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 25, 2026: 2.50% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Traditional/Roth IRA Share Certificate
$0
2.50% ▲ 0.39% above New Jersey avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 0.39% above avgNationally 2.09%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Business Regular Certificate
$0
2.40% ▲ 0.29% above New Jersey avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 0.29% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Oct 8, 2026: 2.40% APYOct 8, 2026Oct 14, 2026
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month Certificate
$500
2.30% ▲ 0.19% above New Jersey avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.11%▲ 0.19% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.30% APY · checked 3 times
1.80%2.30%2.80%Sep 24, 2026: 2.30% APYSep 24, 2026Oct 14, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate - 3 Month
$500
2.27% ▲ 0.16% above New Jersey avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 0.16% above avgNationally 2.09%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 7 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 14, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA Certificate - 3 Month
$500
2.27% ▲ 0.16% above New Jersey avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 0.16% above avgNationally 2.09%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Oct 8, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 8, 2026: 2.27% APYOct 8, 2026Oct 14, 2026
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.27%
3 month CD
$500
2.25% ▲ 0.14% above New Jersey avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▲ 0.14% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 8, 2026: 2.25% APYOct 8, 2026Oct 14, 2026
Bridgeton Onized Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.66%
90 Day Certificate
$0
2.08% ▼ 0.03% below New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.11%▼ 0.03% below avgNationally 2.09%
Details

Rate History
1 change since Sep 25, 2026 · 2.06% → 2.08% ▲ 0.02 pts · high 2.08% / low 2.06%
1.56%2.07%2.58%Sep 25, 2026: 2.06% APYOct 4, 2026: 2.08% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20262.08%▲ from 2.06%
  • Sep 25, 20262.06%first recorded
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
3 months Certificate
$0
2.02% ▼ 0.09% below New Jersey avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.11%▼ 0.09% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 19, 2026: 2.02% APYSep 19, 2026Oct 14, 2026
Pinnacle Federal Credit Union
3 Month Share Certificates
$0
1.75% ▼ 0.36% below New Jersey avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 25, 2026
New Jersey Average2.11%▼ 0.36% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
Garden Savings FCU
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
3 Month Share Certificates
$0
1.75% ▼ 0.36% below New Jersey avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.11%▼ 0.36% below avgNationally 2.09%
Details

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

Magnolia 6 Month CD Rates

New Jersey 6 Month CD Average2.67% APYNational 2.77%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 Month High-Yield CD
$500
4.40% ▲ 1.73% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.67%▲ 1.73% above avgNationally 2.77%
Details

10-Day CD Rate Guarantee

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Certificate
$0
4.35% ▲ 1.68% above New Jersey avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.67%▲ 1.68% above avgNationally 2.77%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-month CD
$10,000
4.35% ▲ 1.68% above New Jersey avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.67%▲ 1.68% above avgNationally 2.77%
Details

Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 24, 2026: 4.15% APYOct 1, 2026: 4.25% APYOct 6, 2026: 4.35% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.35%▲ from 4.25%
  • Oct 1, 20264.25%▲ from 4.15%
  • Sep 24, 20264.15%first recorded
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Share Certificate - 6 Month
$1,000
4.33% ▲ 1.66% above New Jersey avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 1.66% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.33% ▲ 0.38 pts · high 4.33% / low 3.95%
3.45%4.14%4.83%Sep 14, 2026: 3.95% APYSep 25, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20264.33%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6 Month 360 CDs
$0
4.30% ▲ 1.63% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.63% above avgNationally 2.77%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6-Month Freehold Promo
$500
4.25% ▲ 1.58% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.58% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 14, 2026
County Educators Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.17%
6 Month Share Certificates
$50,000
4.21% ▲ 1.54% above New Jersey avg
View
▼
Rate4.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.54% above avgNationally 2.77%
Details

Balance: $50,000.00 and Higher

Rate History
1 change since Sep 30, 2026 · 4.06% → 4.21% ▲ 0.15 pts · high 4.21% / low 4.06%
3.56%4.14%4.71%Sep 30, 2026: 4.06% APYOct 8, 2026: 4.21% APYSep 30, 2026Oct 14, 2026
  • Oct 8, 20264.21%▲ from 4.06%
  • Sep 30, 20264.06%first recorded
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
6 Month CD
$1,000
4.20% ▲ 1.53% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.53% above avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6 Month Share Certificate
$1,000
4.16% ▲ 1.49% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.49% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 17, 2026 · 3.44% → 4.16% ▲ 0.72 pts · high 4.16% / low 3.44%
2.72%3.80%4.88%Sep 17, 2026: 3.44% APYOct 12, 2026: 4.16% APYSep 17, 2026Oct 14, 2026
  • Oct 12, 20264.16%▲ from 3.44%
  • Sep 17, 20263.44%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
6 Month Certificate of Deposits
$100,000
4.15% ▲ 1.48% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.48% above avgNationally 2.77%
Details

Minimum $100,000 required to open an account.

Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 27, 2026: 4.15% APYSep 27, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-MONTH CD
$2,500
4.10% ▲ 1.43% above New Jersey avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.67%▲ 1.43% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Community Financial Services FCU
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Share Certificate - 6 Month
$0
4.07% ▲ 1.40% above New Jersey avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.40% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Share Certificate - 6 Months
$0
4.07% ▲ 1.40% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 1.40% above avgNationally 2.77%
Details

Share Certificate Type

Rate History
No change since Sep 30, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 30, 2026: 4.07% APYSep 30, 2026Oct 14, 2026
County Educators Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.17%
6 Month Share Certificates
$500
4.06% ▲ 1.39% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.39% above avgNationally 2.77%
Details

Balance: $500.00-$49,999.99

Rate History
No change since Sep 30, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 30, 2026: 4.06% APYSep 30, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.05% ▲ 1.38% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.38% above avgNationally 2.77%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month New Money CD
$1,000
4.05% ▲ 1.38% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.38% above avgNationally 2.77%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Oct 14, 2026
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
6 Month Share Certificates
$0
4.01% ▲ 1.34% above New Jersey avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.34% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 12, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 12, 2026: 4.01% APYOct 12, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.00% ▲ 1.33% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.33% above avgNationally 2.77%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month Online CD
$1,000
4.00% ▲ 1.33% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.33% above avgNationally 2.77%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6-Month New Branch Promo
$500
4.00% ▲ 1.33% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.33% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
6 Month Certificate of Deposit
$0
4.00% ▲ 1.33% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 1.33% above avgNationally 2.77%
Details

Effective May 28, 2025; penalty imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
6 month Share Certificate
$0
3.96% ▲ 1.29% above New Jersey avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.29% above avgNationally 2.77%
Details

Rate History
1 change since Sep 16, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80%
3.30%3.88%4.46%Sep 16, 2026: 3.80% APYOct 8, 2026: 3.96% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20263.96%▲ from 3.80%
  • Sep 16, 20263.80%first recorded
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 6 Month
$0
3.95% ▲ 1.28% above New Jersey avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.28% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificate 6 months
$0
3.95% ▲ 1.28% above New Jersey avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.28% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 14, 2026
The Atlantic Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
6 Month ULTRA Share Certificate
$100,000
3.92% ▲ 1.25% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.25% above avgNationally 2.77%
Details

ULTRA

Rate History
No change since Oct 8, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 8, 2026: 3.92% APYOct 8, 2026Oct 14, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate - 6 Month
$500
3.92% ▲ 1.25% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.25% above avgNationally 2.77%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA Certificate - 6 Month
$500
3.92% ▲ 1.25% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.25% above avgNationally 2.77%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Oct 8, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 8, 2026: 3.92% APYOct 8, 2026Oct 14, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Certificate of Deposit
$0
3.85% ▲ 1.18% above New Jersey avg
View
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.18% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Account 6 Month Pick Your Term
$5,000
3.85% ▲ 1.18% above New Jersey avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.18% above avgNationally 2.77%
Details

Balance: $5,000 or more

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 14, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6 month Certificate
$0
3.85% ▲ 1.18% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.18% above avgNationally 2.77%
Details

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 14, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6 month IRA Certificate
$0
3.85% ▲ 1.18% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.18% above avgNationally 2.77%
Details

Rate History
No change since Oct 4, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 4, 2026: 3.85% APYOct 4, 2026Oct 14, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 6 Month
$0
3.85% ▲ 1.18% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.18% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
6 month CD
$1,000
3.85% ▲ 1.18% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.67%▲ 1.18% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
6 Month Certificate of Deposit
$0
3.80% ▲ 1.13% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.13% above avgNationally 2.77%
Details

Longer terms Earn Higher Interests

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
6 Month Certificate
$0
3.76% ▲ 1.09% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 1.09% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 7 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 14, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 6-Months
$1,000
3.75% ▲ 1.08% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.08% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 Month Certificate
$0
3.75% ▲ 1.08% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 1.08% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.75% ▼ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20263.75%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Certificates of Deposit - 6 Month Certificate
$500
3.75% ▲ 1.08% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.08% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
6-Month CD
$0
3.75% ▲ 1.08% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 1.08% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
6 Month CD
$1,000
3.67% ▲ 1.00% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 1.00% above avgNationally 2.77%
Details

Effective June 1, 2024

Rate History
No change since Sep 21, 2026 · 3.67% APY · checked 5 times
3.17%3.67%4.17%Sep 21, 2026: 3.67% APYSep 21, 2026Oct 14, 2026
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
6 Month CD
$500
3.65% ▲ 0.98% above New Jersey avg
View
▼
Rate3.58%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 0.98% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
6 Month Certificate
$0
3.65% ▲ 0.98% above New Jersey avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 0.98% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 6 MONTH
$0
3.65% ▲ 0.98% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 0.98% above avgNationally 2.77%
Details

Balance: $25,000 & Over

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
6 Month CD
$500
3.60% ▲ 0.93% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.67%▲ 0.93% above avgNationally 2.77%
Details

Rate History
No change since Sep 20, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 20, 2026: 3.60% APYSep 20, 2026Oct 14, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 6 MONTH
$0
3.60% ▲ 0.93% above New Jersey avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 0.93% above avgNationally 2.77%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 6 MONTH
$0
3.55% ▲ 0.88% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.67%▲ 0.88% above avgNationally 2.77%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6 Month Certificate
$500
3.51% ▲ 0.84% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.67%▲ 0.84% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 7 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6-Month CD
$500
3.50% ▲ 0.83% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 0.83% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
6 Month CD Account
$1,000
3.50% ▲ 0.83% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 0.83% above avgNationally 2.77%
Details

Online Only

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
6 Month Open CD Account
$1,000
3.50% ▲ 0.83% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.67%▲ 0.83% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026

Magnolia 12 Month CD Rates

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

Special Rate

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

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12-month CD
$10,000
4.50% ▲ 1.61% above New Jersey avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.61% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 24, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 24, 2026: 4.25% APYOct 1, 2026: 4.40% APYOct 6, 2026: 4.50% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.50%▲ from 4.40%
  • Oct 1, 20264.40%▲ from 4.25%
  • Sep 24, 20264.25%first recorded
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Share Certificate - 12 Month
$1,000
4.47% ▲ 1.58% above New Jersey avg
View
▼
Rate4.38%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.89%▲ 1.58% above avgNationally 2.99%
Details

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

Early Withdrawal Penalty: Yes

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

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month New Money CD
$1,000
4.35% ▲ 1.46% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.46% above avgNationally 2.99%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.46% above New Jersey avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.46% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Month 360 CDs
$0
4.30% ▲ 1.41% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.41% above avgNationally 2.99%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD
$1,000
4.30% ▲ 1.41% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.41% above avgNationally 2.99%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month Online CD
$1,000
4.30% ▲ 1.41% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.41% above avgNationally 2.99%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 27, 2026: 4.30% APYSep 27, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-MONTH CD
$500
4.30% ▲ 1.41% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.41% above avgNationally 2.99%
Details

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

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

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

Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 25, 2026: 4.25% APYSep 25, 2026Oct 14, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
12 month IRA Certificate
$0
4.25% ▲ 1.36% above New Jersey avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.36% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 4, 2026: 4.25% APYOct 4, 2026Oct 14, 2026
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Jumbo CD Specials
$200,000
4.25% ▲ 1.36% above New Jersey avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.36% above avgNationally 2.99%
Details

Balance: $200,000.00 over

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

Minimum $100,000 required to open an account.

Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 27, 2026: 4.20% APYSep 27, 2026Oct 14, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 12 Month (IRA Certificate)
$0
4.20% ▲ 1.31% above New Jersey avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.31% above avgNationally 2.99%
Details

IRA Certificate

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 14, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
1 year CD
$1,000
4.15% ▲ 1.26% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.26% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Share Certificate - 12 Months
$0
4.13% ▲ 1.24% above New Jersey avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.89%▲ 1.24% above avgNationally 2.99%
Details

Share Certificate Type

Rate History
No change since Sep 30, 2026 · 4.13% APY · checked 4 times
3.63%4.13%4.63%Sep 30, 2026: 4.13% APYSep 30, 2026Oct 14, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
12 Month Certificate
$0
4.10% ▲ 1.21% above New Jersey avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.89%▲ 1.21% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 14, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
12 Month IRA Certificate
$0
4.10% ▲ 1.21% above New Jersey avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.89%▲ 1.21% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 14, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 12 Month
$0
4.10% ▲ 1.21% above New Jersey avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.21% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYOct 12, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
  • Oct 12, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
12 month Share Certificate
$0
4.06% ▲ 1.17% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.17% above avgNationally 2.99%
Details

Rate History
1 change since Sep 16, 2026 · 3.65% → 4.06% ▲ 0.41 pts · high 4.06% / low 3.65%
3.15%3.85%4.56%Sep 16, 2026: 3.65% APYOct 8, 2026: 4.06% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.06%▲ from 3.65%
  • Sep 16, 20263.65%first recorded
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificate - 12 Months
$500
4.05% ▲ 1.16% above New Jersey avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.89%▲ 1.16% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 13, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 14, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificates / IRA Certificates - 12 Months
$500
4.05% ▲ 1.16% above New Jersey avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.89%▲ 1.16% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 13, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 14, 2026
Garden Savings FCU
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
12 Month Share Certificates
$0
4.05% ▲ 1.16% above New Jersey avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.16% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 10, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 10, 2026: 4.05% APYOct 10, 2026Oct 14, 2026
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
1 Year Share Certificates
$0
4.01% ▲ 1.12% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.12% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 12, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 12, 2026: 4.01% APYOct 12, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1-year online CDs
$0
4.00% ▲ 1.11% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Month Certificate
$0
4.00% ▲ 1.11% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 1.11% above New Jersey avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
12 Month URSB PERKS CD
$500
4.00% ▲ 1.11% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

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

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

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

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

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

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 1 Year
$0
4.00% ▲ 1.11% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 1.11% above avgNationally 2.99%
Details

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

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

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

Balance: $100,000.00 - $199,999.99

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

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

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 14, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA 1 year - Fixed rate
$0
3.95% ▲ 1.06% above New Jersey avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 7, 2026: 3.95% APYOct 7, 2026Oct 14, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12 Months CD
$0
3.95% ▲ 1.06% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 1.06% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 19, 2026: 3.45% APYSep 24, 2026: 3.95% APYSep 19, 2026Oct 14, 2026
  • Sep 24, 20263.95%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Pinnacle Federal Credit Union
12 Month Share Certificates
$0
3.90% ▲ 1.01% above New Jersey avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 25, 2026
New Jersey Average2.89%▲ 1.01% above avgNationally 2.99%
Details

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

Early Withdrawal Penalty: 3 month interest

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

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 8, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 8, 2026: 3.87% APYOct 8, 2026Oct 14, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Account 12 Month Pick Your Term
$5,000
3.85% ▲ 0.96% above New Jersey avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 0.96% above avgNationally 2.99%
Details

Balance: $5,000 or more

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 14, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12 Month Certificate
$0
3.85% ▲ 0.96% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.89%▲ 0.96% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 8, 2026: 3.85% APYOct 8, 2026Oct 14, 2026
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
12 Month Share Certificate
$1,000
3.85% ▲ 0.96% above New Jersey avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.89%▲ 0.96% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 17, 2026 · 2.63% → 3.85% ▲ 1.22 pts · high 3.85% / low 2.63%
1.41%3.24%5.07%Sep 17, 2026: 2.63% APYOct 12, 2026: 3.85% APYSep 17, 2026Oct 14, 2026
  • Oct 12, 20263.85%▲ from 2.63%
  • Sep 17, 20262.63%first recorded

Magnolia 18 Month CD Rates

New Jersey 18 Month CD Average2.77% APYNational 2.88%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Certificate
$0
4.65% ▲ 1.88% above New Jersey avg
View
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.88% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 6, 2026: 4.65% APYOct 6, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18-month CD
$10,000
4.65% ▲ 1.88% above New Jersey avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.88% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 24, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
3.85%4.50%5.15%Sep 24, 2026: 4.35% APYOct 1, 2026: 4.55% APYOct 6, 2026: 4.65% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.65%▲ from 4.55%
  • Oct 1, 20264.55%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Variable IRA Certificate
$0
4.60% ▲ 1.83% above New Jersey avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.83% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 8, 2026: 4.60% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100,000
4.50% ▲ 1.73% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.73% above avgNationally 2.88%
Details

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

Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.50% APYOct 4, 2026: 4.35% APYOct 8, 2026: 4.50% APYSep 25, 2026Oct 14, 2026
  • Oct 8, 20264.50%▲ from 4.35%
  • Oct 4, 20264.35%▼ from 4.50%
  • Sep 25, 20264.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.50% ▲ 1.73% above New Jersey avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.73% above avgNationally 2.88%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 14, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month CD
$500
4.40% ▲ 1.63% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.63% above avgNationally 2.88%
Details

10-Day CD Rate Guarantee

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 10, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 months High-Yield CD
$500
4.40% ▲ 1.63% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.63% above avgNationally 2.88%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
18 Month CD
$1,000
4.40% ▲ 1.63% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.63% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.40%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 month Certificate
$0
4.35% ▲ 1.58% above New Jersey avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.58% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 25, 2026: 4.35% APYSep 25, 2026Oct 14, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 month IRA Certificate
$0
4.35% ▲ 1.58% above New Jersey avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.58% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100
4.35% ▲ 1.58% above New Jersey avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.58% above avgNationally 2.88%
Details

Or, 4.35% APY* with $100 min.

Rate History
2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.35% APYOct 4, 2026: 4.50% APYOct 12, 2026: 4.35% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20264.35%▼ from 4.50%
  • Oct 4, 20264.50%▲ from 4.35%
  • Sep 25, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.35% ▲ 1.58% above New Jersey avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.58% above avgNationally 2.88%
Details

Regular

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.35% ▲ 1.58% above New Jersey avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.58% above avgNationally 2.88%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 12, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 12, 2026: 4.35% APYOct 12, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18 Month 360 CDs
$0
4.30% ▲ 1.53% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.53% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Columbia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
18 Month Advantage CD
$500
4.25% ▲ 1.48% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.77%▲ 1.48% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-MONTH CD
$500
4.25% ▲ 1.48% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.48% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
18 month CD
$1,000
4.25% ▲ 1.48% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.48% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.20% ▲ 1.43% above New Jersey avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.43% above avgNationally 2.88%
Details

Regular

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 14, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 18 Month (Legacy Club)
$0
4.20% ▲ 1.43% above New Jersey avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.43% above avgNationally 2.88%
Details

Legacy Club

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 14, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 18 Month
$0
4.10% ▲ 1.33% above New Jersey avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.33% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.10% ▲ 0.19 pts · high 4.10% / low 3.91%
3.41%4.01%4.60%Sep 18, 2026: 3.91% APYOct 12, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
  • Oct 12, 20264.10%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate - 18 Month
$500
4.08% ▲ 1.31% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.31% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 14, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA Certificate - 18 Month
$500
4.08% ▲ 1.31% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.31% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 8, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 8, 2026: 4.08% APYOct 8, 2026Oct 14, 2026
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
18 Month Certificate of Deposits
$100,000
4.05% ▲ 1.28% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.28% above avgNationally 2.88%
Details

Minimum $100,000 required to open an account.

Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Oct 14, 2026
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18-Month CD
$500
4.00% ▲ 1.23% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.23% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 14, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Account 18 Month Pick Your Term
$5,000
4.00% ▲ 1.23% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.23% above avgNationally 2.88%
Details

Balance: $5,000 or more

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18 Months CD
$0
4.00% ▲ 1.23% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 19, 2026: 3.60% APYSep 24, 2026: 4.00% APYSep 19, 2026Oct 14, 2026
  • Sep 24, 20264.00%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
18 Month CD - Statement & Passbook
$500
4.00% ▲ 1.23% above New Jersey avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedSep 24, 2026
New Jersey Average2.77%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificate - 18 Months
$500
4.00% ▲ 1.23% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.77%▲ 1.23% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificates / IRA Certificates - 18 Months
$500
4.00% ▲ 1.23% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.77%▲ 1.23% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 18 MONTH
$0
3.90% ▲ 1.13% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.77%▲ 1.13% above avgNationally 2.88%
Details

Balance: $25,000 & Over

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 1.08% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.08% above avgNationally 2.88%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 14, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18-Month M&T Select CD
$0
3.85% ▲ 1.08% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 18 MONTH
$0
3.85% ▲ 1.08% above New Jersey avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.77%▲ 1.08% above avgNationally 2.88%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
18 Month IRA Certificate
$500
3.80% ▲ 1.03% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 14, 2026
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
IRA 18 MONTHS MARKET PACER
$25
3.80% ▲ 1.03% above New Jersey avg
View
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.03% above avgNationally 2.88%
Details

INTEREST COMPOUNDED / CREDITED: Continuously/ Monthly

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 14, 2026
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
IRA 18 MONTHS STEADY EARNER
$500
3.80% ▲ 1.03% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 1.03% above avgNationally 2.88%
Details

INTEREST COMPOUNDED / CREDITED: Continuously/ Monthly

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 14, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 18 MONTH
$0
3.80% ▲ 1.03% above New Jersey avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.77%▲ 1.03% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18-month term
$0
3.80% ▲ 1.03% above New Jersey avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.03% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 1.03% above New Jersey avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 14, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
18 Month Request Appointment
$1,000
3.75% ▲ 0.98% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 0.98% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.93% above New Jersey avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.77%▲ 0.93% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 14, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18 month IRA share certificate
$0
3.66% ▲ 0.89% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 0.89% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 4, 2026: 3.66% APYOct 4, 2026Oct 14, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18 month share certificate
$0
3.66% ▲ 0.89% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.77%▲ 0.89% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 25, 2026: 3.66% APYSep 25, 2026Oct 14, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 18-Month
$500
3.65% ▲ 0.88% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.77%▲ 0.88% above avgNationally 2.88%
Details

Rate Type: Fixed

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
18 Month Certificate
$0
3.61% ▲ 0.84% above New Jersey avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.77%▲ 0.84% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 7 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18 Month Certificate
$0
3.60% ▲ 0.83% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
18 Month Business Share Certificate
$0
3.60% ▲ 0.83% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
18 Month IRA Share Certificate
$500
3.60% ▲ 0.83% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 0.83% above avgNationally 2.88%
Details

APY listed paid on $500 minimum balance.

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
18 Month Share Certificate
$0
3.60% ▲ 0.83% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
IRA Share Certificate - 18 Month
$0
3.60% ▲ 0.83% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 24, 2026: 3.60% APYSep 24, 2026Oct 14, 2026

Magnolia 24 Month CD Rates

New Jersey 24 Month CD Average2.70% APYNational 2.88%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Certificate
$0
4.70% ▲ 2.00% above New Jersey avg
View
▼
Rate4.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.70%▲ 2.00% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 6, 2026: 4.70% APYOct 6, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.45% ▲ 1.75% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.75% above avgNationally 2.88%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month New Money CD
$1,000
4.45% ▲ 1.75% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.75% above avgNationally 2.88%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Sep 27, 2026: 4.45% APYSep 27, 2026Oct 14, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 years High-Yield CD
$500
4.40% ▲ 1.70% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.70%▲ 1.70% above avgNationally 2.88%
Details

Early Withdrawal Penalty: Yes

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

Online CDs

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month Online CD
$1,000
4.40% ▲ 1.70% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.70% above avgNationally 2.88%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 27, 2026: 4.40% APYSep 27, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
24 Month 360 CDs
$0
4.30% ▲ 1.60% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.60% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month Business Share Certificate
$0
4.25% ▲ 1.55% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month IRA Share Certificate
$500
4.25% ▲ 1.55% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

APY listed paid on $500 minimum balance.

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month Share Certificate
$0
4.25% ▲ 1.55% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24-Month Share & IRA Certificate
$0
4.25% ▲ 1.55% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Oct 14, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
IRA Share Certificate - 24 Month
$0
4.25% ▲ 1.55% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
Bogota Savings Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.77%
24 Month Certificate
$1,000
4.25% ▲ 1.55% above New Jersey avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Interest Compounded Daily | Posted Monthly

Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 19, 2026: 4.25% APYSep 19, 2026Oct 14, 2026
Bogota Savings Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.77%
24 Month IRA Certificate
$500
4.25% ▲ 1.55% above New Jersey avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Interest Compounded Daily | Posted Monthly

Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 19, 2026: 4.25% APYSep 19, 2026Oct 14, 2026
Bogota Savings Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.77%
24 Month Online Certificates of Deposit
$1,000
4.25% ▲ 1.55% above New Jersey avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

Interest Compounded Daily | Posted Monthly

Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 19, 2026: 4.25% APYSep 19, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-MONTH CD
$500
4.25% ▲ 1.55% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.70%▲ 1.55% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Share Certificate - 24 Months
$0
4.18% ▲ 1.48% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.70%▲ 1.48% above avgNationally 2.88%
Details

Share Certificate Type

Rate History
No change since Sep 30, 2026 · 4.18% APY · checked 4 times
3.68%4.18%4.68%Sep 30, 2026: 4.18% APYSep 30, 2026Oct 14, 2026
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
2 Year Share Certificates
$0
4.12% ▲ 1.42% above New Jersey avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.42% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 12, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 12, 2026: 4.12% APYOct 12, 2026Oct 14, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
24 month Share Certificate
$0
4.11% ▲ 1.41% above New Jersey avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.41% above avgNationally 2.88%
Details

Rate History
1 change since Sep 16, 2026 · 3.50% → 4.11% ▲ 0.61 pts · high 4.11% / low 3.50%
2.89%3.81%4.72%Sep 16, 2026: 3.50% APYOct 8, 2026: 4.11% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.11%▲ from 3.50%
  • Sep 16, 20263.50%first recorded
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 24 MONTH
$0
4.11% ▲ 1.41% above New Jersey avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.70%▲ 1.41% above avgNationally 2.88%
Details

Balance: $25,000 & Over

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

Rate History
1 change since Sep 17, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 17, 2026: 4.00% APYSep 18, 2026: 4.10% APYSep 17, 2026Oct 14, 2026
  • Sep 18, 20264.10%▲ from 4.00%
  • Sep 17, 20264.00%first recorded
Amboy Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
24 Month Treasury Index CD
$100
4.10% ▲ 1.40% above New Jersey avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.70%▲ 1.40% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 14, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate - 24 Month
$500
4.08% ▲ 1.38% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.38% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 month interest

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

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 8, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 8, 2026: 4.08% APYOct 8, 2026Oct 14, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 24 MONTH
$0
4.06% ▲ 1.36% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.70%▲ 1.36% above avgNationally 2.88%
Details

Balance: $10,000 - $24,999.99

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

Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 8, 2026: 4.05% APYOct 8, 2026Oct 14, 2026
Haddon Savings Bank
Institution Rating:
B3.7 ★Texas Ratio: 2.65%
2 Year Certificates of Deposit
$500
4.05% ▲ 1.35% above New Jersey avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.35% above avgNationally 2.88%
Details

Payment of Interest: Monthly or Quarterly

Rate History
No change since Sep 20, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 20, 2026: 4.05% APYSep 20, 2026Oct 14, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Account 24 Month Pick Your Term
$5,000
4.00% ▲ 1.30% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 1.30% above avgNationally 2.88%
Details

Balance: $5,000 or more

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
2-Year Certificate of Deposit
$500
4.00% ▲ 1.30% above New Jersey avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.30% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 6 Months Interest

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
2 Year IRA Certificate
$500
4.00% ▲ 1.30% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.30% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 14, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 24-Month
$500
4.00% ▲ 1.30% above New Jersey avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.70%▲ 1.30% above avgNationally 2.88%
Details

Rate Type: Fixed

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

Balance: $1,000 - $9,999.99

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

Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 7, 2026: 3.95% APYOct 7, 2026Oct 14, 2026
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Share Certificate - 24 Month
$1,000
3.81% ▲ 1.11% above New Jersey avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.70%▲ 1.11% above avgNationally 2.88%
Details

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

Minimum $100,000 required to open an account.

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 14, 2026
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
24-Month CD
$0
3.75% ▲ 1.05% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 1.05% above avgNationally 2.88%
Details

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

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

Rate History
1 change since Sep 17, 2026 · 2.52% → 3.64% ▲ 1.12 pts · high 3.64% / low 2.52%
1.40%3.08%4.76%Sep 17, 2026: 2.52% APYOct 12, 2026: 3.64% APYSep 17, 2026Oct 14, 2026
  • Oct 12, 20263.64%▲ from 2.52%
  • Sep 17, 20262.52%first recorded
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
24 Month Certificate
$500
3.61% ▲ 0.91% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 0.91% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 3.45% → 3.61% ▲ 0.16 pts · high 3.61% / low 3.45%
2.95%3.53%4.11%Sep 24, 2026: 3.45% APYOct 7, 2026: 3.61% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20263.61%▲ from 3.45%
  • Sep 24, 20263.45%first recorded
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
24 Months Fixed Rate
$500
3.61% ▲ 0.91% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 0.91% above avgNationally 2.88%
Details

Rate History
1 change since Sep 27, 2026 · 3.45% → 3.61% ▲ 0.16 pts · high 3.61% / low 3.45%
2.95%3.53%4.11%Sep 27, 2026: 3.45% APYOct 3, 2026: 3.61% APYSep 27, 2026Oct 14, 2026
  • Oct 3, 20263.61%▲ from 3.45%
  • Sep 27, 20263.45%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.90% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.70%▲ 0.90% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 14, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
24 Month Certificate
$1,000
3.60% ▲ 0.90% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 0.90% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2 Year Certificate
$500
3.60% ▲ 0.90% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.70%▲ 0.90% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 4, 2026: 3.56% APYOct 4, 2026Oct 14, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
24 month share certificate
$0
3.56% ▲ 0.86% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.70%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
24 Month Certificate
$0
3.50% ▲ 0.80% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 0.80% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
24 Month Certificate
$0
3.50% ▲ 0.80% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 0.80% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2 Year Certificate of Deposit
$0
3.50% ▲ 0.80% above New Jersey avg
View
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.70%▲ 0.80% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
24 Month URSB PERKS CD
$500
3.50% ▲ 0.80% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.70%▲ 0.80% above avgNationally 2.88%
Details

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

Magnolia 36 Month CD Rates

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

Rate History
No change since Oct 6, 2026 · 4.85% APY · checked 2 times
4.35%4.85%5.35%Oct 6, 2026: 4.85% APYOct 6, 2026Oct 14, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 years High-Yield CD
$500
4.40% ▲ 1.95% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.45%▲ 1.95% above avgNationally 2.81%
Details

Early Withdrawal Penalty: Yes

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

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Share Certificate - 36 Months
$0
4.23% ▲ 1.78% above New Jersey avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 1.78% above avgNationally 2.81%
Details

Share Certificate Type

Rate History
No change since Sep 30, 2026 · 4.23% APY · checked 4 times
3.73%4.23%4.73%Sep 30, 2026: 4.23% APYSep 30, 2026Oct 14, 2026
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
3 Year Share Certificates
$0
4.17% ▲ 1.72% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.72% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 12, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 12, 2026: 4.17% APYOct 12, 2026Oct 14, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
36 month Share Certificate
$0
4.16% ▲ 1.71% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.71% above avgNationally 2.81%
Details

Rate History
1 change since Sep 16, 2026 · 3.34% → 4.16% ▲ 0.82 pts · high 4.16% / low 3.34%
2.52%3.75%4.98%Sep 16, 2026: 3.34% APYOct 8, 2026: 4.16% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.16%▲ from 3.34%
  • Sep 16, 20263.34%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.70% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.45%▲ 1.70% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
3 year CD
$1,000
4.15% ▲ 1.70% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.45%▲ 1.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.65% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.45%▲ 1.65% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
36-Month Certificate of Deposit
$500
4.10% ▲ 1.65% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.65% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 8, 2026: 4.10% APYOct 8, 2026Oct 14, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 36 Month
$0
4.01% ▲ 1.56% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.56% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 18, 2026: 3.91% APYOct 12, 2026: 4.01% APYSep 18, 2026Oct 14, 2026
  • Oct 12, 20264.01%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Share Certificate - 36 Month
$1,000
3.81% ▲ 1.36% above New Jersey avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 1.36% above avgNationally 2.81%
Details

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

Rate Type: Fixed

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

Balance: $25,000 & Over

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

Early Withdrawal Penalty: 3 month interest

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

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 8, 2026: 3.66% APYOct 8, 2026Oct 14, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
3 Year Certificate
$500
3.65% ▲ 1.20% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.45%▲ 1.20% above avgNationally 2.81%
Details

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

Balance: $10,000 - $24,999.99

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

Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 4, 2026: 3.56% APYOct 4, 2026Oct 14, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
36 month share certificate
$0
3.56% ▲ 1.11% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 14, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 36 MONTH
$0
3.55% ▲ 1.10% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 1.10% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999.99

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

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
36 Month Certificate
$0
3.50% ▲ 1.05% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.45%▲ 1.05% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
36-month Certificate of Deposit
$2,500
3.50% ▲ 1.05% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.45%▲ 1.05% above avgNationally 2.81%
Details

Rate History
1 change since Sep 19, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 19, 2026: 3.00% APYOct 3, 2026: 3.50% APYSep 19, 2026Oct 14, 2026
  • Oct 3, 20263.50%▲ from 3.00%
  • Sep 19, 20263.00%first recorded
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
3 Year CD / IRA (new money only^)
$500
3.50% ▲ 1.05% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedSep 24, 2026
New Jersey Average2.45%▲ 1.05% above avgNationally 2.81%
Details

new money only^

Rate History
No change since Sep 24, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 14, 2026
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3 Year IRA Certificate
$500
3.50% ▲ 1.05% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.05% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
36 Month IRA Certificate
$0
3.50% ▲ 1.05% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.45%▲ 1.05% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
36 Month Share Certificates
$0
3.50% ▲ 1.05% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.45%▲ 1.05% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
3 Year IRA Certificate
$1,000
3.45% ▲ 1.00% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.00% above avgNationally 2.81%
Details

IRA Certificate; $1,000 Minimum

Rate History
1 change since Sep 16, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
2.85%3.40%3.95%Sep 16, 2026: 3.35% APYOct 4, 2026: 3.45% APYSep 16, 2026Oct 14, 2026
  • Oct 4, 20263.45%▲ from 3.35%
  • Sep 16, 20263.35%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Jumbo Certificates - 3 year
$50,000
3.45% ▲ 1.00% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 1.00% above avgNationally 2.81%
Details

Jumbo Certificate; $50,000 minimum

Rate History
1 change since Sep 16, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
2.85%3.40%3.95%Sep 16, 2026: 3.35% APYOct 12, 2026: 3.45% APYSep 16, 2026Oct 14, 2026
  • Oct 12, 20263.45%▲ from 3.35%
  • Sep 16, 20263.35%first recorded
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
3 Year Certificate
$0
3.45% ▲ 1.00% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 1.00% above avgNationally 2.81%
Details

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

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

Rate History
1 change since Sep 17, 2026 · 2.02% → 3.44% ▲ 1.42 pts · high 3.44% / low 2.02%
0.60%2.73%4.86%Sep 17, 2026: 2.02% APYOct 12, 2026: 3.44% APYSep 17, 2026Oct 14, 2026
  • Oct 12, 20263.44%▲ from 2.02%
  • Sep 17, 20262.02%first recorded
New Jersey Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
36 Month Share Certificates/IRA Certificates Rollover / New Balances
$0
3.41% ▲ 0.96% above New Jersey avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 0.96% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 14, 2026
Garden State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
36 Month Certificates of Deposit - Rollover / New Balances
$0
3.41% ▲ 0.96% above New Jersey avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 0.96% above avgNationally 2.81%
Details

Balance: $50,000 & Above

Rate History
No change since Oct 13, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 13, 2026: 3.41% APYOct 13, 2026Oct 14, 2026
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month CD
$100
3.40% ▲ 0.95% above New Jersey avg
View
▼
Rate3.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 0.95% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 20, 2026: 3.40% APYSep 20, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Year Jumbo Certificate
$0
3.35% ▲ 0.90% above New Jersey avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 0.90% above avgNationally 2.81%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Year Traditional/Roth IRA Share Certificate
$0
3.35% ▲ 0.90% above New Jersey avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 0.90% above avgNationally 2.81%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 14, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificate - 36 Months
$500
3.30% ▲ 0.85% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 0.85% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificates / IRA Certificates - 36 Months
$500
3.30% ▲ 0.85% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 0.85% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
36 Month Share Certificates
$500
3.30% ▲ 0.85% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 0.85% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
IRA Roth or Traditional SC 36 Mo.
$500
3.30% ▲ 0.85% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.45%▲ 0.85% above avgNationally 2.81%
Details

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

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

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

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 14, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 3 Years
$0
3.25% ▲ 0.80% above New Jersey avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.45%▲ 0.80% above avgNationally 2.81%
Details

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

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

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

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Year Certificate
$0
3.20% ▲ 0.75% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.45%▲ 0.75% above avgNationally 2.81%
Details

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

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

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 14, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
36-Month Bump Up Certificate of Deposit Promo
$0
3.20% ▲ 0.75% above New Jersey avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.45%▲ 0.75% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 7, 2026: 3.20% APYOct 7, 2026Oct 14, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Year Certificate of Deposit
$0
3.20% ▲ 0.75% above New Jersey avg
View
▼
Rate3.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.45%▲ 0.75% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 14, 2026

Magnolia 48 Month CD Rates

New Jersey 48 Month CD Average2.47% APYNational 2.80%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Certificate
$0
4.95% ▲ 2.48% above New Jersey avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.47%▲ 2.48% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.95% APY · checked 2 times
4.45%4.95%5.45%Oct 6, 2026: 4.95% APYOct 6, 2026Oct 14, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 years High-Yield CD
$500
4.40% ▲ 1.93% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.47%▲ 1.93% above avgNationally 2.80%
Details

Early Withdrawal Penalty: Yes

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

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
48 Month CD
$500
4.25% ▲ 1.78% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.47%▲ 1.78% above avgNationally 2.80%
Details

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

Share Certificate Type

Rate History
No change since Sep 30, 2026 · 4.23% APY · checked 4 times
3.73%4.23%4.73%Sep 30, 2026: 4.23% APYSep 30, 2026Oct 14, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
48 month Share Certificate
$0
4.16% ▲ 1.69% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 1.69% above avgNationally 2.80%
Details

Rate History
1 change since Sep 16, 2026 · 3.34% → 4.16% ▲ 0.82 pts · high 4.16% / low 3.34%
2.52%3.75%4.98%Sep 16, 2026: 3.34% APYOct 8, 2026: 4.16% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.16%▲ from 3.34%
  • Sep 16, 20263.34%first recorded
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
48-Month Certificate of Deposit
$500
4.15% ▲ 1.68% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 1.68% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 8, 2026: 4.15% APYOct 8, 2026Oct 14, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
4 year CD
$1,000
4.15% ▲ 1.68% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.47%▲ 1.68% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 48 Month
$0
4.01% ▲ 1.54% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 1.54% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 18, 2026: 3.91% APYOct 12, 2026: 4.01% APYSep 18, 2026Oct 14, 2026
  • Oct 12, 20264.01%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
48 Month IRA Certificate
$500
3.75% ▲ 1.28% above New Jersey avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.47%▲ 1.28% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
48-month Certificate of Deposit
$2,500
3.75% ▲ 1.28% above New Jersey avg
View
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.47%▲ 1.28% above avgNationally 2.80%
Details

Rate History
1 change since Sep 19, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 19, 2026: 3.25% APYOct 3, 2026: 3.75% APYSep 19, 2026Oct 14, 2026
  • Oct 3, 20263.75%▲ from 3.25%
  • Sep 19, 20263.25%first recorded
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 48-Month
$500
3.75% ▲ 1.28% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 1.28% above avgNationally 2.80%
Details

Rate Type: Fixed

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

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

Balance: $25,000 & Over

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

Balance: $10,000 - $24,999.99

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

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

Balance: $1,000 - $9,999.99

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

Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 4, 2026: 3.56% APYOct 4, 2026Oct 14, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
48 month share certificate
$0
3.56% ▲ 1.09% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 1.09% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 14, 2026
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Share Certificate - 48 Month
$1,000
3.56% ▲ 1.09% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 1.09% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4 Year IRA Certificate
$500
3.50% ▲ 1.03% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 1.03% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
4 Year IRA Certificate
$1,000
3.50% ▲ 1.03% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 1.03% above avgNationally 2.80%
Details

IRA Certificate; $1,000 Minimum

Rate History
1 change since Sep 16, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 16, 2026: 3.40% APYOct 4, 2026: 3.50% APYSep 16, 2026Oct 14, 2026
  • Oct 4, 20263.50%▲ from 3.40%
  • Sep 16, 20263.40%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Jumbo Certificates - 4 year
$50,000
3.50% ▲ 1.03% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 1.03% above avgNationally 2.80%
Details

Jumbo Certificate; $50,000 minimum

Rate History
1 change since Sep 16, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 16, 2026: 3.40% APYOct 12, 2026: 3.50% APYSep 16, 2026Oct 14, 2026
  • Oct 12, 20263.50%▲ from 3.40%
  • Sep 16, 20263.40%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
48 Month IRA Certificate
$0
3.50% ▲ 1.03% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.47%▲ 1.03% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
48 Month Share Certificates
$0
3.50% ▲ 1.03% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.47%▲ 1.03% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
New Jersey Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
48 Month Share Certificates/IRA Certificates Rollover / New Balances
$0
3.46% ▲ 0.99% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.99% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 12, 2026 · 3.46% APY
2.96%3.46%3.96%Oct 12, 2026: 3.46% APYOct 12, 2026Oct 14, 2026
Garden State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
48 Month Certificates of Deposit - Rollover / New Balances
$0
3.46% ▲ 0.99% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.99% above avgNationally 2.80%
Details

Balance: $50,000 & Above

Rate History
No change since Oct 13, 2026 · 3.46% APY
2.96%3.46%3.96%Oct 13, 2026: 3.46% APYOct 13, 2026Oct 14, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
4 Year Certificate
$0
3.45% ▲ 0.98% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.98% above avgNationally 2.80%
Details

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

Jumbo

Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 25, 2026: 3.40% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4 Year Traditional/Roth IRA Share Certificate
$0
3.40% ▲ 0.93% above New Jersey avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.93% above avgNationally 2.80%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 8, 2026: 3.40% APYOct 8, 2026Oct 14, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificate - 48 Months
$500
3.30% ▲ 0.83% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.83% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificates / IRA Certificates - 48 Months
$500
3.30% ▲ 0.83% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.83% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
48 Month Share Certificates
$500
3.30% ▲ 0.83% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.83% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
IRA Roth or Traditional SC 48 Mo.
$500
3.30% ▲ 0.83% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.83% above avgNationally 2.80%
Details

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

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

Balance: $1,000 - $49,999

Rate History
1 change since Sep 16, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
2.65%3.20%3.75%Sep 16, 2026: 3.15% APYOct 12, 2026: 3.25% APYSep 16, 2026Oct 14, 2026
  • Oct 12, 20263.25%▲ from 3.15%
  • Sep 16, 20263.15%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4 Year Regular Certificate
$0
3.25% ▲ 0.78% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.78% above avgNationally 2.80%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4 Year Traditional/Roth IRA Share Certificate
$0
3.25% ▲ 0.78% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.78% above avgNationally 2.80%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
48 Month Certificate of Deposit
$5,000
3.25% ▲ 0.78% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.78% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 14, 2026
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
48 Month Share Certificate
$1,000
3.24% ▲ 0.77% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.77% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 8, 2026 · 3.24% APY · checked 2 times
2.74%3.24%3.74%Oct 8, 2026: 3.24% APYOct 8, 2026Oct 14, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
Share Certificate 48 month SC
$1,000
3.24% ▲ 0.77% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.77% above avgNationally 2.80%
Details

Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 3.24% APY
2.74%3.24%3.74%Oct 13, 2026: 3.24% APYOct 13, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year Certificate
$0
3.20% ▲ 0.73% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.47%▲ 0.73% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA 4 years - Fixed rate
$0
3.20% ▲ 0.73% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.47%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 7, 2026: 3.20% APYOct 7, 2026Oct 14, 2026
New Jersey Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
48 Month CD (Certificate of Deposit) - Share Certificates/IRA Certificates Rollover / New Balances
$0
3.20% ▲ 0.73% above New Jersey avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.73% above avgNationally 2.80%
Details

Balance: $1,000 - $19,999.99

Rate History
No change since Oct 12, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 12, 2026: 3.20% APYOct 12, 2026Oct 14, 2026
Garden State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
48 Month Certificates of Deposit - Rollover / New Balances
$0
3.20% ▲ 0.73% above New Jersey avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.73% above avgNationally 2.80%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 13, 2026: 3.20% APYOct 13, 2026Oct 14, 2026
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.27%
4 year CD
$500
3.15% ▲ 0.68% above New Jersey avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.68% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 8, 2026: 3.15% APYOct 8, 2026Oct 14, 2026
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
48 Month Certificate of Deposit
$500
3.15% ▲ 0.68% above New Jersey avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.47%▲ 0.68% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 20, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 20, 2026: 3.15% APYSep 20, 2026Oct 14, 2026
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
48 Month IRA & Education Certificate
$0
3.15% ▲ 0.68% above New Jersey avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.68% above avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 5, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Oct 5, 2026: 3.15% APYOct 5, 2026Oct 14, 2026
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Certificate - 48 months
$0
3.15% ▲ 0.68% above New Jersey avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.47%▲ 0.68% above avgNationally 2.80%
Details

Balance: $25,000.00 and above

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

Magnolia 60 Month CD Rates

New Jersey 60 Month CD Average2.61% APYNational 2.91%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Certificate
$0
5.00% ▲ 2.39% above New Jersey avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.61%▲ 2.39% above avgNationally 2.91%
Details

Rate History
No change since Oct 6, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 6, 2026: 5.00% APYOct 6, 2026Oct 14, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 years High-Yield CD
$500
4.40% ▲ 1.79% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.61%▲ 1.79% above avgNationally 2.91%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
60 Month 360 CDs
$0
4.30% ▲ 1.69% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.61%▲ 1.69% above avgNationally 2.91%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
5 Year Share Certificates
$0
4.28% ▲ 1.67% above New Jersey avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 1.67% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 12, 2026 · 4.28% APY
3.78%4.28%4.78%Oct 12, 2026: 4.28% APYOct 12, 2026Oct 14, 2026
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
60 Month CD
$500
4.25% ▲ 1.64% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.61%▲ 1.64% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Share Certificate - 60 Months
$0
4.23% ▲ 1.62% above New Jersey avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.61%▲ 1.62% above avgNationally 2.91%
Details

Share Certificate Type

Rate History
No change since Sep 30, 2026 · 4.23% APY · checked 4 times
3.73%4.23%4.73%Sep 30, 2026: 4.23% APYSep 30, 2026Oct 14, 2026
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
60-Month Certificate of Deposit
$500
4.20% ▲ 1.59% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 1.59% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 14, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
60 month Share Certificate
$0
4.16% ▲ 1.55% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 1.55% above avgNationally 2.91%
Details

Rate History
1 change since Sep 16, 2026 · 3.34% → 4.16% ▲ 0.82 pts · high 4.16% / low 3.34%
2.52%3.75%4.98%Sep 16, 2026: 3.34% APYOct 8, 2026: 4.16% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.16%▲ from 3.34%
  • Sep 16, 20263.34%first recorded
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Business Certificate Account
$0
4.15% ▲ 1.54% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.61%▲ 1.54% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Certificate
$0
4.15% ▲ 1.54% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.61%▲ 1.54% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month IRA Certificate
$0
4.15% ▲ 1.54% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.61%▲ 1.54% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
5 year CD
$1,000
4.15% ▲ 1.54% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.61%▲ 1.54% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 60 Month
$0
4.01% ▲ 1.40% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 1.40% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 18, 2026: 3.91% APYOct 12, 2026: 4.01% APYSep 18, 2026Oct 14, 2026
  • Oct 12, 20264.01%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
60 Month IRA Certificate
$500
4.00% ▲ 1.39% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.61%▲ 1.39% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
60-month Certificate of Deposit
$2,500
4.00% ▲ 1.39% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Jersey Average2.61%▲ 1.39% above avgNationally 2.91%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 19, 2026: 3.50% APYOct 3, 2026: 4.00% APYSep 19, 2026Oct 14, 2026
  • Oct 3, 20264.00%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate - 60 Month
$500
3.92% ▲ 1.31% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 1.31% above avgNationally 2.91%
Details

Early Withdrawal Penalty: 6 month interest

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA Certificate - 60 Month
$500
3.92% ▲ 1.31% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 1.31% above avgNationally 2.91%
Details

Early Withdrawal Penalty: 6 month interest

Rate History
No change since Oct 8, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 8, 2026: 3.92% APYOct 8, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 1.29% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.61%▲ 1.29% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 1.24% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.61%▲ 1.24% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
5 Year Certificate
$500
3.85% ▲ 1.24% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Jersey Average2.61%▲ 1.24% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 60-Month
$500
3.75% ▲ 1.14% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.61%▲ 1.14% above avgNationally 2.91%
Details

Rate Type: Fixed

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 60 MONTH
$0
3.75% ▲ 1.14% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.61%▲ 1.14% above avgNationally 2.91%
Details

Balance: $25,000 & Over

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 60 MONTH
$0
3.70% ▲ 1.09% above New Jersey avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.61%▲ 1.09% above avgNationally 2.91%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
5 Year IRA Certificate
$0
3.65% ▲ 1.04% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.61%▲ 1.04% above avgNationally 2.91%
Details

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Oct 14, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 60 MONTH
$0
3.65% ▲ 1.04% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.61%▲ 1.04% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.65% ▼ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Sep 14, 2026: 3.70% APYOct 13, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.65%▼ from 3.70%
  • Sep 14, 20263.70%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5-year online CDs
$0
3.60% ▲ 0.99% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.61%▲ 0.99% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
60 Month Certificate
$0
3.60% ▲ 0.99% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Jersey Average2.61%▲ 0.99% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
New Jersey Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
60 Month Share Certificates/IRA Certificates Rollover / New Balances
$0
3.56% ▲ 0.95% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 0.95% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 14, 2026
Garden State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
60 Month Certificates of Deposit - Rollover / New Balances
$0
3.56% ▲ 0.95% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.61%▲ 0.95% above avgNationally 2.91%
Details

Balance: $50,000 & Above

Rate History
No change since Oct 13, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 13, 2026: 3.56% APYOct 13, 2026Oct 14, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
60 month IRA share certificate
$0
3.56% ▲ 0.95% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 0.95% above avgNationally 2.91%
Details

Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 4, 2026: 3.56% APYOct 4, 2026Oct 14, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
60 month share certificate
$0
3.56% ▲ 0.95% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 0.95% above avgNationally 2.91%
Details

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 14, 2026
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Share Certificate - 60 Month
$1,000
3.56% ▲ 0.95% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.61%▲ 0.95% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
5 Year IRA Certificate
$1,000
3.55% ▲ 0.94% above New Jersey avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 0.94% above avgNationally 2.91%
Details

IRA Certificate; $1,000 Minimum

Rate History
1 change since Sep 16, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 16, 2026: 3.50% APYOct 4, 2026: 3.55% APYSep 16, 2026Oct 14, 2026
  • Oct 4, 20263.55%▲ from 3.50%
  • Sep 16, 20263.50%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Jumbo Certificates - 5 year
$50,000
3.55% ▲ 0.94% above New Jersey avg
View
▼
Rate3.49%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 0.94% above avgNationally 2.91%
Details

Jumbo Certificate; $50,000 minimum

Rate History
1 change since Sep 16, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 16, 2026: 3.50% APYOct 12, 2026: 3.55% APYSep 16, 2026Oct 14, 2026
  • Oct 12, 20263.55%▲ from 3.50%
  • Sep 16, 20263.50%first recorded
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
5 Year IRA Certificate
$500
3.50% ▲ 0.89% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 0.89% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
60 Month Certificate of Deposit
$5,000
3.50% ▲ 0.89% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 0.89% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
60 Month IRA Certificate
$0
3.50% ▲ 0.89% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.61%▲ 0.89% above avgNationally 2.91%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
60 Month Share Certificates
$0
3.50% ▲ 0.89% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
New Jersey Average2.61%▲ 0.89% above avgNationally 2.91%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
60 Month Certificate Accounts & IRAs
$0
3.50% ▲ 0.89% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.61%▲ 0.89% above avgNationally 2.91%
Details

Balance: $100,000 and over

Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
5 Year Jumbo Certificate
$0
3.45% ▲ 0.84% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 0.84% above avgNationally 2.91%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 25, 2026: 3.45% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
5 Year Traditional/Roth IRA Share Certificate
$0
3.45% ▲ 0.84% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 0.84% above avgNationally 2.91%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 14, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
5 Year Certificate
$0
3.45% ▲ 0.84% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.61%▲ 0.84% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
60 Month Certificate of Deposit
$500
3.40% ▲ 0.79% above New Jersey avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 0.79% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 20, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 20, 2026: 3.40% APYSep 20, 2026Oct 14, 2026
New Jersey Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
60 Month CD (Certificate of Deposit) - Share Certificates/IRA Certificates Rollover / New Balances
$0
3.30% ▲ 0.69% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 0.69% above avgNationally 2.91%
Details

Balance: $1,000 - $19,999.99

Rate History
No change since Oct 12, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 12, 2026: 3.30% APYOct 12, 2026Oct 14, 2026
Garden State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
60 Month Certificates of Deposit - Rollover / New Balances
$0
3.30% ▲ 0.69% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.61%▲ 0.69% above avgNationally 2.91%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Certificates - 5 year
$0
3.30% ▲ 0.69% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 0.69% above avgNationally 2.91%
Details

Balance: $1,000 - $49,999

Rate History
1 change since Sep 16, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 16, 2026: 3.25% APYOct 12, 2026: 3.30% APYSep 16, 2026Oct 14, 2026
  • Oct 12, 20263.30%▲ from 3.25%
  • Sep 16, 20263.25%first recorded
Members 1st of NJ Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
60 Month Share and IRA CD
$0
3.30% ▲ 0.69% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 0.69% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 8, 2026: 3.30% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
5 Year Regular Certificate
$0
3.30% ▲ 0.69% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 0.69% above avgNationally 2.91%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
5 Year Traditional/Roth IRA Share Certificate
$0
3.30% ▲ 0.69% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Jersey Average2.61%▲ 0.69% above avgNationally 2.91%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 8, 2026: 3.30% APYOct 8, 2026Oct 14, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificate - 60 Months
$500
3.30% ▲ 0.69% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Jersey Average2.61%▲ 0.69% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Magnolia, New Jersey Institutions

Highest verified APYs available today, updated October 13, 2026

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

Compare local Magnolia, NJ CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

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

New Jersey 12-month CD rates rose 0.003 points over the past 7 days to 2.890% APY.

6-Month CD NJ Avg
2.672%
▲ 0.008 vs 7 days ago

New Jersey 6-month CD rates rose 0.008 points over the past 7 days to 2.672% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

NJ CD Rate Forecast, Next 12 Months

Where are New Jersey CD rates headed through October 2027?

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

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

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

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

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

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

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What Your Savings Earn at NJ CD Rates Today

Annual interest earnings at today’s New Jersey average APYs. State average used where available; national average as fallback.

CD Term NJ Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.106% $105.28 $210.55 $526.38 $1,052.75
6-Month CD 2.672% $133.61 $267.21 $668.03 $1,336.05
12-Month CD 2.890% $144.48 $288.96 $722.40 $1,444.80
18-Month CD 2.770% $138.49 $276.99 $692.47 $1,384.95
24-Month CD 2.703% $135.17 $270.34 $675.85 $1,351.70
36-Month CD 2.448% $122.40 $244.80 $612.00 $1,224.00
48-Month CD 2.465% $123.26 $246.52 $616.30 $1,232.60
60-Month CD 2.614% $130.71 $261.41 $653.53 $1,307.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Magnolia, New Jersey Savers

$25,000 split equally across 5 terms using today’s New Jersey average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit NJ Avg APY Annual Earnings
1 3-Month CD $5,000 2.106% $105.28
2 6-Month CD $5,000 2.672% $133.61
3 12-Month CD $5,000 2.890% $144.48
4 24-Month CD $5,000 2.703% $135.17
5 36-Month CD $5,000 2.448% $122.40
Total ($25,000 invested) $25,000 2.564% blended $640.94/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.

Powered byMonitorBankRates
1,271
CD Rates
Tracked in Magnolia, New Jersey
56 Banks 63 Credit Unions

About Our Magnolia, New Jersey CD Rate Database

MonitorBankRates tracks 1,271 CD rates from 56 banks and 63 credit unions with locations in Magnolia, New Jersey, plus national online institutions available to New Jersey residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Popular Direct offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Magnolia, New Jersey.

How to Find the Best CD Rates in Magnolia, New Jersey

What to compare when shopping for a CD in Magnolia, New Jersey

To find the best APYs in Magnolia, New Jersey, start with credit unions and online-only banks: Magnolia, New Jersey has 63 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Magnolia, 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 Magnolia, New Jersey: 119 institutions here report CD rates

Consider an Alternative If…

Magnolia, New Jersey Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
21.1%
National avg: 17.3%
Median Individual Earnings
$52,657
National avg: $47,340
Poverty Rate
6.9%
National avg: 11.1%
Unemployment Rate
6.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$152/yr
At NJ 12-mo avg 2.890% APY

21.1% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s NJ 12-month CD average of 2.890%, saving 10% of the local median salary ($5,265/year) and putting it in a CD would earn an additional $152 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 Magnolia, New Jersey

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Magnolia, 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 Magnolia, 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 Magnolia, New Jersey as everywhere in the U.S.

Choosing a CD Term in Magnolia, 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 Magnolia, New Jersey savers easier access to their funds. For example, Marcus Bank is offering its 6 Month High-Yield CD at 4.40% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Popular Direct is offering its 60 Month Certificate at 5.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Magnolia, 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 Magnolia, 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 Magnolia, 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 Magnolia, 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 Magnolia, New Jersey

Most CDs carry a fixed rate that is locked for the entire term, protecting a Magnolia, 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 Magnolia, New Jersey

Are CD rates in Magnolia, New Jersey FDIC insured?

Yes, most established banks in Magnolia, 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 Magnolia, 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 Magnolia, 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 Magnolia, 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 Magnolia, New Jersey?

Here are recent top rates found for this area:
  • Popular Direct: 5.00% APY (60 Month Certificate)
  • Somerset Savings Bank: 4.60% APY (18 Month Variable IRA Certificate)
  • Kinecta Federal Credit Union: 4.50% APY (18-Month Promo Certificate)
  • USALLIANCE: 4.50% APY (12 Month Certificate)
  • Healthcare Employees Federal Credit Union: 4.47% APY (Share Certificate - 12 Month)
  • HSBC Bank USA: 4.45% APY (24 Month CD)
  • Marcus Bank: 4.40% APY (12 months High-Yield CD)
  • Unity Bank: 4.40% APY (18 Month CD)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Merck Employees Federal Credit Union: 4.35% APY (18 month Certificate)
Rates reflect recent verified offers available in Magnolia, New Jersey. Last Updated: October 13, 2026

Magnolia, 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 Magnolia, New Jersey rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Magnolia, New Jersey CD Rates by Term

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

CD Calculators for Magnolia, New Jersey

Magnolia, New Jersey CD Calculator

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

Magnolia, New Jersey CD Ladder

NJ CD rates currently range from 2.106% (3-month) to 2.448% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

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

CD vs. High-Yield Savings

New Jersey’s average 12-month CD is 2.890% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Magnolia, 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 Magnolia, 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 Magnolia, New Jersey. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NJ.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

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