CD Rates Neptune, New Jersey (NJ) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Neptune, New Jersey CD rates include First Atlantic Federal Credit UnionFirst Atlantic Federal Credit Union2070 STATE ROUTE 66, NEPTUNE, NJ 07753 4064A+5.0 ★Texas Ratio: 4.55%Real return: +0.95%APY minus CPI (February 2026) offering 12-Month Promo Certificates of Deposit (CDs) / IRA CDs at 3.75% APY, Kearny BankKearny Bank300 W Sylvania Ave, Neptune, NJ 07753A5.0 ★Texas Ratio: 6.51%Real return: +0.20%APY minus CPI (February 2026) offering 5 Year CD at 3.00% APY, Wells FargoWells Fargo2433 Corlies Avenue, Neptune, NJ 07753A5.0 ★Texas Ratio: 7.44%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate CD at 1.51% APY, TD BankTD Bank2200 State Route 66, Neptune, NJ 07753A5.0 ★Texas Ratio: 6.30%Real return: -1.80%APY minus CPI (February 2026) offering 18 Month IRA Certificates at 1.00% APY, and Nova UA Federal Credit UnionNova UA Federal Credit UnionA+5.0 ★Texas Ratio: 0.88%Real return: +1.32%APY minus CPI (February 2026) offering 3 Month Share Certificate Special at 4.12% APY. CD rates as of April 13, 2026 according to verified data from MonitorBankRates.
Neptune has 19 local institutions in our database, with CD rates as high as 3.75% APY from First Atlantic Federal Credit Union at 2070 STATE ROUTE 66, NEPTUNE, NJ 07753 4064. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader New Jersey area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 13, 2026
Compare Best CD Rates in Neptune, New Jersey & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2433 Corlies Avenue, Neptune, NJ 07753
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 13, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ 07753 4064
3-Month Certificates of Deposit (CDs) / IRA CDs
$500
0.05%
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3 Month Share Certificate Special
$0
4.12%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate3.87%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
With Checking
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Certificate of Deposit 3 Month Term
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 3 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
WooriWON 3-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Online Only
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
3 month Term Savings Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
$100,000 Minimum to Earn APY
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
3 month CD's
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
3 Month Certificates/IRA Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
3 Month CD
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
3 month CD
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
3 month Share Certificates
$1,000
2.88%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Early Withdrawal Penalty May Apply
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
$100,000 and above
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 month Certificates
$50,000
2.50%
▼
Rate2.47%
Min Deposit$50,000
Min Balance—
UpdatedApr 13, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
3 Month Certificate
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Early Withdrawal Penalty: 1 month interest
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
90 Day Certificate
$0
2.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Cornerstone Bank Moorestown, NJ
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Month Certificate of Deposit
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month Certificate
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Penalties may apply for early withdrawals
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Certificates of Deposit 3-Month
$1,000
1.00%
▼
Rate0.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3 Month IRA
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3 Month CD
$2,500
0.75%
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 13, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 3-Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Certificates (CDs)
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit 3 Month
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3 Month Certificate of Deposit (CD)
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
3 month Certificate of Deposit
$1,000
0.02%
▼
Rate0.02%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ 07753 4064
6-Month New Money Promo Certificates of Deposit (CDs) / IRA CDs
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2433 Corlies Avenue, Neptune, NJ 07753
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 13, 2026
Details
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
300 W Sylvania Ave, Neptune, NJ 07753
6 Month CD
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
6 Month Certificate
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Early Withdrawal Penalty: 1 month interest
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
6 Month Share Certificates / Share Certificate IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate3.78%
Min Deposit$5,000
Min Balance—
UpdatedApr 13, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Traditional SC 6 Mo.
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
6 Month Term Certificate
$500
3.65%
▼
Rate3.62%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 6 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
6 month CD's
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6 month share certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
$100,000 Minimum to Earn APY
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
6 month Term Savings Certificates
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6 month Share Certificates
$1,000
3.19%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Early Withdrawal Penalty May Apply
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6 month Certificate
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6-Month CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 6 month
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
$100,000 and above
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
6 Month CD
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
6 Month Share Certificate
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 6-month
$10,000
2.60%
▼
Rate2.58%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
6 month Certificates
$50,000
2.50%
▼
Rate2.47%
Min Deposit$50,000
Min Balance—
UpdatedApr 13, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
180 Day Certificate
$0
2.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Certificates of Deposit 6-Month
$1,000
2.00%
▼
Rate1.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Certificates (CDs)
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Certificate
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Penalties may apply for early withdrawals
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
6 Month IRA
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 6-Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
6 Month Share Certificate
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
6 Month Certificate of Deposit (CD)
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
6 Month CD
$2,500
0.10%
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedApr 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ 07753 4064
12-Month Promo Certificates of Deposit (CDs) / IRA CDs
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
300 W Sylvania Ave, Neptune, NJ 07753
1 Year CD
$500
1.75%
▼
Rate1.71%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2433 Corlies Avenue, Neptune, NJ 07753
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 13, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2200 State Route 66, Neptune, NJ 07753
12 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 13, 2026
Details
Relationship APY
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
12 Month CD
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
12 Month (IRA Certificate) Certificates/IRA Certificates
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Limited time offer. Only available in our branches.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12-Mo. Jumbo Promo. Cert.
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
$100,000 min. | Additional terms available. Offer ends April 20, 2026.
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
1 Year Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 12 Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
12 month IRA share certificate
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 12 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
CD's 1 year
$0
3.57%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
12 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Early Withdrawal Penalty: 3 months interest
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
12-month Fixed Rate Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
12-Month Share Certificate
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
$100,000 Minimum to Earn APY
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Roth or Traditional SC 12 Mo.
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
12 month Share Certificates
$1,000
3.29%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Early Withdrawal Penalty May Apply
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
12 Month Share Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE.
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
12 month Term Savings Certificates
$0
3.19%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
12 Month Special CD
$1,000
3.10%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
12 month CD's
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
12 Month Certificates of Deposit
$25,000
3.00%
▼
Rate3.00%
Min Deposit$25,000
Min Balance—
UpdatedApr 13, 2026
Details
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
12-Month Certificate of Deposit
$1,000
2.95%
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Interest Compounded Daily | Posted Monthly
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
1 Year CD
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
12 Month IRA/Roth
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1 year Certificates
$50,000
2.60%
▼
Rate2.57%
Min Deposit$50,000
Min Balance—
UpdatedApr 13, 2026
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
12-month CDs (Certificates of Deposit)
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
1 Year Certificate
$0
2.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
12 month Certificate of Deposit
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Cornerstone Bank Moorestown, NJ
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
12 Month Certificate of Deposit
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 month Certificate
$0
1.45%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Penalties may apply for early withdrawals
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Certificates (CDs)
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
12 Month IRA
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Hamilton Horizons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.20%
Regular Share Certificates 1 Year
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 12-Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
12 Month Term CDs
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
12 Month Share Certificate
$0
0.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
12 Month Certificate of Deposit (CD)
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12 Month Certificates of Deposit
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
300 W Sylvania Ave, Neptune, NJ 07753
18 Month CD
$500
1.50%
▼
Rate1.47%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2200 State Route 66, Neptune, NJ 07753
18 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 13, 2026
Details
Relationship APY
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
18 Month (Legacy Club) Certificates/IRA Certificates
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Pinnacle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
$100,000 Minimum to Earn APY
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
18 month IRA share certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Rate3.54%
Min Deposit$5,000
Min Balance—
UpdatedApr 13, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Early Withdrawal Penalty: 3 months interest
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 18 Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
new money only^
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18-Mo. Jumbo Promo. Certificate
$100
3.40%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 13, 2026
Details
Offer ends April 20, 2026.
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Certificates of Deposit 18-Month
$500
3.25%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 Month Certificates of Deposit
$25,000
3.17%
▼
Rate3.15%
Min Deposit$25,000
Min Balance—
UpdatedApr 13, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 month Share Certificates
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Early Withdrawal Penalty May Apply
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
18 month Term Savings Certificates
$0
2.88%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 month Certificates
$50,000
2.70%
▼
Rate2.67%
Min Deposit$50,000
Min Balance—
UpdatedApr 13, 2026
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
18-month CDs (Certificates of Deposit)
$2,500
2.50%
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
UpdatedApr 13, 2026
Details
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
18-Month Certificate of Deposit
$1,000
2.05%
▼
Rate2.03%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Interest Compounded Daily | Posted Monthly
Cornerstone Bank Moorestown, NJ
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
18 Month Certificate of Deposit
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
18 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 18-Month
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Schuyler Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
18 Month Flexible Certificate of Deposits & IRAs
$1,000
0.35%
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
18 Month Certificate of Deposit (CD)
$1,000
0.25%
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificates of Deposit & IRAs 18 Month
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
18 Month Rate Option CD
$2,500
0.15%
▼
Rate0.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 13, 2026
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
18 month Certificate of Deposit
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ 07753 4064
2-Year Certificates of Deposit (CDs) / IRA CDs
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
300 W Sylvania Ave, Neptune, NJ 07753
2 Year CD
$500
0.40%
▼
Rate0.39%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate Special
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
24 Month Share Certificates / Share Certificate IRA
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
24 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
2 year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Roth or Traditional SC 24 Mo.
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 24-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
24 month IRA share certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 24 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
24 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
$100,000 Minimum to Earn APY
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
24 Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Certificates of Deposit 24-Month
$500
3.30%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 2 Year Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
24 Month IRA
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
24 month Share Certificates
$1,000
3.08%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Early Withdrawal Penalty May Apply
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
24 Month CD
$2,500
3.04%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 13, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
24 Month Certificates of Deposit
$25,000
2.81%
▼
Rate2.79%
Min Deposit$25,000
Min Balance—
UpdatedApr 13, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2 year Certificates
$50,000
2.75%
▼
Rate2.72%
Min Deposit$50,000
Min Balance—
UpdatedApr 13, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
2 Year Certificate
$0
2.64%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
24 month Term Savings Certificates
$0
2.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Certificates (CDs)
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
24 month CD's
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
24-month CDs (Certificates of Deposit)
$2,500
2.50%
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
UpdatedApr 13, 2026
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
2 Year CD
$0
2.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
24 Month Relationship IRA/Roth
$1,000
1.90%
▼
Rate1.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
24-Month Certificate of Deposit
$1,000
1.75%
▼
Rate1.73%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Interest Compounded Daily | Posted Monthly
Rate1.64%
Min Deposit$100
Min Balance—
UpdatedApr 13, 2026
Details
Community Financial Services Federal Credit Union
Institution Rating:
F3.0 ★Texas Ratio: 39.45%
Share Certificate - 2 Year
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
A 90-day dividend penalty will be imposed for early withdrawal on Share Certificates. The penalty is calculated as a forfeiture of part of the dividends that have been earned on the account. If the account has not yet earned enough dividends, the penalty will be deducted from the principal. Fees may reduce earnings. Minimum balance required to open account is $2500.
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
24 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 24-Month
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
24 Month Certificate of Deposit (CD)
$1,000
0.35%
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit 2 Year
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificates of Deposit & IRAs 24 Month
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
24 Month Certificates of Deposit
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
24 month Certificate of Deposit
$500
0.04%
▼
Rate0.04%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ 07753 4064
3-Year Certificates of Deposit (CDs) / IRA CDs
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
300 W Sylvania Ave, Neptune, NJ 07753
3 Year CD
$500
0.55%
▼
Rate0.54%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate Special
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
36 Month Share Certificates / Share Certificate IRA
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
36 Month Certificate
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
3 year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
36 Month Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Early Withdrawal Penalty: 3 months interest
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 36-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
$100,000 Minimum to Earn APY
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
36 month IRA share certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
AXIS 36 MONTH CD SPECIAL
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
with Blue Axis Checking? & Direct Deposit
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Roth or Traditional SC 36 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Certificates of Deposit 36-Month
$500
3.40%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Promotional Certificate of Deposit 36-Month Bump Up
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 month Share Certificates
$1,000
3.19%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Early Withdrawal Penalty May Apply
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
36 Month IRA
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
3 Year Certificate
$0
2.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Certificates (CDs)
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 year Certificates
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
$1,000 - $49,999
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
36 month CD's
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
36 Month Certificates of Deposit
$25,000
2.41%
▼
Rate2.39%
Min Deposit$25,000
Min Balance—
UpdatedApr 13, 2026
Details
Mercer County Nj Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
36 month Term Savings Certificates
$0
2.32%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
36 Month CD
$2,500
2.27%
▼
Rate2.25%
Min Deposit$2,500
Min Balance—
UpdatedApr 13, 2026
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
3 Year CD / IRA
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
existing funds
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
3-Year Certificates of Deposit (CDs)
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Early Withdrawal Penalty: 18 Months Interest
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 3 Year Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Community Financial Services Federal Credit Union
Institution Rating:
F3.0 ★Texas Ratio: 39.45%
Share Certificate - 3 Year
$0
1.77%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
A 90-day dividend penalty will be imposed for early withdrawal on Share Certificates. The penalty is calculated as a forfeiture of part of the dividends that have been earned on the account. If the account has not yet earned enough dividends, the penalty will be deducted from the principal. Fees may reduce earnings. Minimum balance required to open account is $2500.
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
3 Year CD
$0
1.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate1.64%
Min Deposit$100
Min Balance—
UpdatedApr 13, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
36 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
36 Month Certificates of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
36-Month Certificate of Deposit
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Interest Compounded Daily | Posted Monthly
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
36 Month Certificate of Deposit (CD)
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
FNB of Elmer
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
36 Month Fixed Rate IRA Certificate
$100
0.45%
▼
Rate0.45%
Min Deposit$100
Min Balance—
UpdatedApr 13, 2026
Details
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit 3 Year
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificates of Deposit & IRAs 36 Month
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
36 month Certificate of Deposit
$500
0.06%
▼
Rate0.06%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ 07753 4064
4-Year Certificates of Deposit (CDs) / IRA CDs
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
300 W Sylvania Ave, Neptune, NJ 07753
4 Year CD
$500
0.70%
▼
Rate0.69%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
48 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
4 year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 48-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
48 month IRA share certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Roth or Traditional SC 48 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
48 Month Share Certificates / Share Certificate IRA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
48-month CDs (Certificates of Deposit)
$2,500
3.25%
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 13, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 month Share Certificates
$1,000
3.24%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Early Withdrawal Penalty May Apply
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
4 Year Term Certificate
$500
3.20%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
4 Year Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
48 Month Share Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Certificates (CDs)
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
4 year Certificates
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
$1,000 - $49,999
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
48 Month Certificates of Deposit
$25,000
2.46%
▼
Rate2.44%
Min Deposit$25,000
Min Balance—
UpdatedApr 13, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
48 month CD's
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate2.32%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
4-Year Certificates of Deposit (CDs)
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Early Withdrawal Penalty: 18 Months Interest
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 4 Year Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
48 Month Relationship IRA/Roth
$1,000
1.80%
▼
Rate1.79%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
48 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 48-Month
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
48-Month Certificate of Deposit
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Interest Compounded Daily | Posted Monthly
First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
48 Month Certificates of Deposit
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
48 Month Certificate of Deposit (CD)
$1,000
0.55%
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
FNB of Elmer
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
48 Month Fixed Rate IRA Certificate
$100
0.50%
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedApr 13, 2026
Details
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit 4 Year
$500
0.45%
▼
Rate0.45%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month CD
$2,500
0.40%
▼
Rate0.40%
Min Deposit$2,500
Min Balance—
UpdatedApr 13, 2026
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
48 month Certificate of Deposit
$500
0.08%
▼
Rate0.08%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2070 STATE ROUTE 66, NEPTUNE, NJ 07753 4064
5-Year Certificates of Deposit (CDs) / IRA CDs
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
300 W Sylvania Ave, Neptune, NJ 07753
5 Year CD
$500
3.00%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
60 Month Certificate
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Early Withdrawal Penalty: 6 months interest
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
60 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
5 year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
5 Year IRA Certificate of Deposit
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 60-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
60 month IRA share certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Roth or Traditional SC 60 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
60 Month Share Certificates / Share Certificate IRA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
5 Year CD
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
60 Month Term CDs
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
5 Year Certificate
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2.5 Year Term Certificate
$500
3.20%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Certificates (CDs)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month IRA
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
5 year Certificates
$50,000
2.75%
▼
Rate2.72%
Min Deposit$50,000
Min Balance—
UpdatedApr 13, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
60 Month Certificates of Deposit
$25,000
2.57%
▼
Rate2.54%
Min Deposit$25,000
Min Balance—
UpdatedApr 13, 2026
Details
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
60 month CD's
$0
2.28%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
60 Month Business Certificate Account
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 5 Year Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
IRA 60 MONTH SHARE CERTIFICATE
$0
1.87%
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
60 Month Relationship IRA/Roth
$1,000
1.75%
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Rate1.35%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 60-Month
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
60-Month Certificate of Deposit
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Interest Compounded Daily | Posted Monthly
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
60 Month Certificate of Deposit (CD)
$1,000
0.65%
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
60 Month Certificates of Deposit
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
60 Month Share Certificate
$0
0.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
60 month Certificate of Deposit
$500
0.13%
▼
Rate0.13%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Neptune, NJ CD Rate Trends
Compare local Neptune, 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.
12-Month CD — NJ Avg
1.585%
Unchanged vs 7 days ago
New Jersey 12-month CD rates currently average 1.585% APY based on data from institutions in our monitoring network.
6-Month CD — NJ Avg
1.470%
Unchanged vs 7 days ago
New Jersey 6-month CD rates currently average 1.470% APY based on data from institutions in our monitoring network.
As of Apr 13, 2026 • Rate data sourced from 8,500+ monitored institutions
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NJ CD Rate Forecast — Next 12 Months
Where are New Jersey CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NJ 12-Month Avg APY
1.585%
6-Month Forecast
1.585%
Range: 1.39% – 1.74%
12-Month Forecast
1.335%
Range: 1.14% – 1.49%
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What Your Savings Earn at NJ CD Rates Today
Annual interest earnings at today’s New Jersey average APYs. State average used where available; national average as fallback.
| CD Term | NJ Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.588% | $79.38 | $158.75 | $396.88 | $793.75 |
| 6-Month CD | 1.470% | $73.51 | $147.01 | $367.53 | $735.05 |
| 12-Month CD | 1.585% | $79.27 | $158.54 | $396.35 | $792.70 |
| 18-Month CD | 1.637% | $81.85 | $163.70 | $409.25 | $818.50 |
| 24-Month CD | 1.595% | $79.75 | $159.50 | $398.75 | $797.50 |
| 36-Month CD | 1.749% | $87.43 | $174.85 | $437.13 | $874.25 |
| 48-Month CD | 1.854% | $92.68 | $185.36 | $463.40 | $926.80 |
| 60-Month CD | 1.852% | $92.59 | $185.18 | $462.95 | $925.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 13, 2026. | |||||
Sample CD Ladder for Neptune, New Jersey Savers
$25,000 split equally across 5 terms using today’s New Jersey average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NJ Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.588% | $79.38 |
| 2 | 6-Month CD | $5,000 | 1.470% | $73.51 |
| 3 | 12-Month CD | $5,000 | 1.585% | $79.27 |
| 4 | 24-Month CD | $5,000 | 1.595% | $79.75 |
| 5 | 36-Month CD | $5,000 | 1.749% | $87.43 |
| Total ($25,000 invested) | $25,000 | 1.597% blended | $399.34/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.
71
Institutions
in Neptune, New Jersey
in Neptune, New Jersey
40 Banks
31 Credit Unions
About Our Neptune, New Jersey CD Rate Database
MonitorBankRates tracks CD rates from 40 banks and 31 credit unions with locations in Neptune, New Jersey, plus national online institutions available to New Jersey residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: First Atlantic Federal Credit Union offers a CD at 3.75% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Neptune, New Jersey.
How to Find the Best CD Rates in Neptune, New Jersey
What to compare when shopping for a CD in Neptune, New Jersey
To find the best APYs in Neptune, New Jersey, start with credit unions and online-only banks — Neptune, New Jersey has 31 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 Neptune, 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 Neptune, New Jersey — 71 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Neptune, New Jersey savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Neptune, New Jersey money market rates
Neptune, New Jersey Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
13.3%
National avg: 17.3%
Median Individual Earnings
$43,889
National avg: $47,340
Poverty Rate
16.9%
National avg: 11.1%
Unemployment Rate
5.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$70/yr
At NJ 12-mo avg 1.585% APY
13.3% of residents are 65 or older — below the national average of 17.3%. At today’s NJ 12-month CD average of 1.585%, saving 10% of the local median salary ($4,388/year) and putting it in a CD would earn an additional $70 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 Neptune, New Jersey
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Neptune, New Jersey
Are CD rates in Neptune, New Jersey FDIC insured?
Yes, most established banks in Neptune, 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 Neptune, 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 Neptune, 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 Neptune, 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 Neptune, New Jersey?
Here are recent top rates found for this area:
- First Atlantic Federal Credit Union: 3.75% APY (12-Month Promo Certificates of Deposit (CDs) / IRA CDs)
- Kearny Bank: 3.00% APY (5 Year CD)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- TD Bank: 1.00% APY (18 Month IRA Certificates)
- Nova UA Federal Credit Union: 4.12% APY (3 Month Share Certificate Special)
- USALLIANCE: 4.10% APY (18 Month Certificate)
- Ukrainian Selfreliance Federal Credit Union: 4.08% APY (6 Month Certificate)
- Healthcare Employees Federal Credit Union: 4.06% APY (12 Month CD)
- Blue Foundry Bank: 3.95% APY (3 MONTH CD)
- American Heritage Federal Credit Union: 3.91% APY (12 Month (IRA Certificate) Certificates/IRA Certificates)
Rates reflect recent verified offers available in Neptune, New Jersey. Last Updated: April 13, 2026
CD Calculators for Neptune, New Jersey
Neptune, New Jersey CD Calculator
At today’s NJ top rate of 3.75% APY, a $10,000 deposit earns $375 in the first year. Enter your amount to see your exact return.
Neptune, New Jersey CD LadderNJ CD rates currently range from 1.588% (3-month) to 1.749% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Neptune, New Jersey CD at 3.75% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew Jersey’s average 12-month CD is 1.585% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Neptune, 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 pulling data straight 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 Neptune, 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: April 13, 2026
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