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CD Rates Ocean Gate, New Jersey (NJ) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| 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: April 12, 2026

Current Ocean Gate, New Jersey CD rates include 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, USALLIANCEUSALLIANCEB4.5 ★Texas Ratio: 21.07%Real return: +1.30%APY minus CPI (February 2026) offering 18 Month Certificate at 4.10% APY, Ukrainian Selfreliance Federal Credit UnionUkrainian Selfreliance Federal Credit UnionA+5.0 ★Texas Ratio: 1.47%Real return: +1.28%APY minus CPI (February 2026) offering 6 Month Certificate at 4.08% APY, Healthcare Employees Federal Credit UnionHealthcare Employees Federal Credit UnionA+5.0 ★Texas Ratio: 1.92%Real return: +1.26%APY minus CPI (February 2026) offering 12 Month CD at 4.06% APY, and Blue Foundry BankBlue Foundry BankA+5.0 ★Texas Ratio: 2.56%Real return: +1.15%APY minus CPI (February 2026) offering 3 MONTH CD at 3.95% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.

Ocean Gate is a smaller community with no bank or credit union branches currently in our database. 290 institutions serving the New Jersey area are available to Ocean Gate residents, with CD rates as high as 4.12% APY from Nova UA Federal Credit Union. 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 12, 2026

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3 Month Share Certificate Special
$0
4.12%
View
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3 MONTH CD
$1,000
3.95%
View
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 3 Month Certificate
$500
3.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3-Month Share Certificate
$100,000
3.60%
View
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
3 Month Certificates/IRA Certificates
$0
3.55%
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3-Month CD
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
3 Month CD
$500
3.40%
View
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
3 Month CD
$0
3.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
3 month CD
$500
3.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
3 month Share Certificates
$1,000
2.88%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Early Withdrawal Penalty May Apply

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
3-Month CD
$1,000
2.75%
View
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate2.47%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details

Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
3 Month Certificate
$0
2.27%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Cornerstone Bank Moorestown, NJ
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Month Certificate of Deposit
$500
2.00%
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month Certificate
$0
1.10%
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate0.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3 Month IRA
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3 Month CD
$2,500
0.75%
View
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 3-Month
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
3 Month CD
$500
0.65%
View
▼
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Certificates (CDs)
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3 Month CD
$500
0.20%
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit 3 Month
$500
0.15%
View
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3 Month Certificate of Deposit (CD)
$1,000
0.10%
View
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3-Month Certificates of Deposit (CDs) / IRA CDs
$500
0.05%
View
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
3 month Certificate of Deposit
$1,000
0.02%
View
▼
Rate0.02%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
6 Month Certificate
$0
4.08%
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6 Month CD
$5,000
3.85%
View
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details

NEW MONEY REQUIRED ? IRA ELIGIBLE

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
6 Month Certificate
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Certificate and IRA Certificates
$500
3.79%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
6 Month Certificates/IRA Certificates
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Traditional SC 6 Mo.
$500
3.66%
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
6 Month Term Certificate
$500
3.65%
View
▼
Rate3.62%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
6-Month CD
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
6 month CD's
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6 month share certificate
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6 month Share Certificates
$1,000
3.19%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6-Month CD
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
6 Month Share Certificate
$500
2.75%
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate2.58%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
6 month Certificates
$50,000
2.50%
View
▼
Rate2.47%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details

Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
180 Day Certificate
$0
2.24%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Certificates of Deposit 6-Month
$1,000
2.00%
View
▼
Rate1.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Certificates (CDs)
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Certificate
$0
1.25%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Penalties may apply for early withdrawals

NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
6 Month Certificate
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
6 Month IRA
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6 month IRA
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 6-Month
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
6 Month Share Certificate
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
6 Month CD
$500
0.20%
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
6 Month Certificate of Deposit (CD)
$1,000
0.15%
View
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
6 Month CD
$2,500
0.10%
View
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
6 Month CD
$1,000
0.05%
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
12 Month CD
$0
4.06%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
12 Month Certificate
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
12-month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Limited time offer. Only available in our branches.

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
12 month Certificate
$0
3.75%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12-Mo. Jumbo Promo. Cert.
$100,000
3.70%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 12 Month Certificate
$500
3.65%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
CD's 1 year
$0
3.57%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
12 Month Certificate
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12-Month CD
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
12-Month Share Certificate
$100,000
3.40%
View
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
12 month Share Certificates
$1,000
3.29%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
12 Month Special CD
$1,000
3.10%
View
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
12 month CD's
$0
3.09%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.00%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
12-Month Certificate of Deposit
$1,000
2.95%
View
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
12 Month IRA/Roth
$1,000
2.75%
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1 year Certificates
$50,000
2.60%
View
▼
Rate2.57%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
12-month CDs (Certificates of Deposit)
$1,000
2.50%
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
1 Year Certificate
$0
2.44%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
12 month Certificate of Deposit
$500
2.25%
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Cornerstone Bank Moorestown, NJ
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
12 Month Certificate of Deposit
$500
2.00%
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1 Year CD
$500
1.75%
View
▼
Rate1.71%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.51%
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 month Certificate
$0
1.45%
View
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12 month IRA
$0
1.25%
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12 Month IRA Certificates
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details

Relationship APY

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
12 Month IRA
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Hamilton Horizons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.20%
Regular Share Certificates 1 Year
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 12-Month
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
12 Month Term CDs
$1,000
0.50%
View
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
12 Month Share Certificate
$0
0.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Franklin Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
12-Month CD
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
12 Month Certificate of Deposit (CD)
$1,000
0.20%
View
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12 Month Certificates of Deposit
$0
0.15%
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
18 Month Certificate
$0
4.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Pinnacle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month Share Certificate
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
18 Month CD
$5,000
3.60%
View
▼
Rate3.54%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

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

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
18 Month CD
$500
3.45%
View
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

Offer ends April 20, 2026.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Certificates of Deposit 18-Month
$500
3.25%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.15%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details

Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 month Share Certificates
$1,000
3.03%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Early Withdrawal Penalty May Apply

Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
18 Month CD
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 month Certificates
$50,000
2.70%
View
▼
Rate2.67%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
18-month CDs (Certificates of Deposit)
$2,500
2.50%
View
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
18-Month Certificate of Deposit
$1,000
2.05%
View
▼
Rate2.03%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
18 Month CD
$500
1.50%
View
▼
Rate1.47%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
18 Month Business Certificate Account
$0
1.25%
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month IRA Certificates
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details

Relationship APY

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 18-Month
$0
0.95%
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
18 Month Certificate
$0
0.80%
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
18 Month CD
$500
0.30%
View
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
18 Month Certificate of Deposit (CD)
$1,000
0.25%
View
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificates of Deposit & IRAs 18 Month
$0
0.20%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
18 Month Rate Option CD
$2,500
0.15%
View
▼
Rate0.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
18 month Certificate of Deposit
$500
0.02%
View
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
24 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
24 Month Certificates/IRA Certificates
$0
3.81%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
2 year CD
$500
3.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details

Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
24 month IRA share certificate
$500
3.56%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
24 Month Certificate of Deposit - Branch
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Certificates of Deposit 24-Month
$500
3.30%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 2 Year Certificate
$500
3.25%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
24 month Share Certificates
$1,000
3.08%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2-Year Certificates of Deposit (CDs) / IRA CDs
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate2.79%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2 year Certificates
$50,000
2.75%
View
▼
Rate2.72%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details

Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
2 Year Certificate
$0
2.64%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Certificates (CDs)
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
24 month CD's
$0
2.58%
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
24-month CDs (Certificates of Deposit)
$2,500
2.50%
View
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
2 Year CD
$0
2.02%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
24 month IRA
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
24 Month Relationship IRA/Roth
$1,000
1.90%
View
▼
Rate1.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
24-Month Certificate of Deposit
$1,000
1.75%
View
▼
Rate1.73%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Interest Compounded Daily | Posted Monthly

Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month CD
$100
1.65%
View
▼
Rate1.64%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

Community Financial Services Federal Credit Union
Institution Rating:
F3.0 ★Texas Ratio: 39.45%
Share Certificate - 2 Year
$0
1.61%
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
24 Month Certificate
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 24-Month
$0
0.95%
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
24 Month Share Certificate
$0
0.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
24 Month Certificate of Deposit (CD)
$1,000
0.35%
View
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit 2 Year
$500
0.30%
View
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificates of Deposit & IRAs 24 Month
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
24 Month Certificates of Deposit
$0
0.20%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
24 month Certificate of Deposit
$500
0.04%
View
▼
Rate0.04%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
36 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
36 Month Certificate
$0
3.81%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
3 year CD
$500
3.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
36 Month Certificate
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
AXIS 36 MONTH CD SPECIAL
$1,000
3.55%
View
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3-Year Certificates of Deposit (CDs) / IRA CDs
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Certificates of Deposit 36-Month
$500
3.40%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Promotional Certificate of Deposit 36-Month Bump Up
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 month Share Certificates
$1,000
3.19%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Early Withdrawal Penalty May Apply

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
36 Month CD
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
36 Month IRA
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
3 Year Certificate
$0
2.84%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Certificates (CDs)
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 year Certificates
$1,000
2.50%
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate2.39%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
36 Month CD
$2,500
2.27%
View
▼
Rate2.25%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
3 Year CD / IRA
$500
2.25%
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
36 Month CD
$100
1.65%
View
▼
Rate1.64%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
36 Month Business Certificate Account
$0
1.25%
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
36 Month Certificates of Deposit
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
36 Month Certificate
$0
0.85%
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
36-Month Certificate of Deposit
$1,000
0.75%
View
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Interest Compounded Daily | Posted Monthly

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
3 Year CD
$500
0.55%
View
▼
Rate0.54%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
36 Month Certificate of Deposit (CD)
$1,000
0.50%
View
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

FNB of Elmer
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
36 Month Fixed Rate IRA Certificate
$100
0.45%
View
▼
Rate0.45%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit 3 Year
$500
0.40%
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Certificates of Deposit & IRAs 36 Month
$0
0.35%
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
36 month Certificate of Deposit
$500
0.06%
View
▼
Rate0.06%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
48 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
48 Month Certificates/IRA Certificates
$0
3.81%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
4 year CD
$500
3.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details

Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
48 month IRA share certificate
$500
3.56%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
48-Month Share Certificate
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

$100,000 Minimum to Earn APY

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
48 Month Share Certificates / Share Certificate IRA
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
48-month CDs (Certificates of Deposit)
$2,500
3.25%
View
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 month Share Certificates
$1,000
3.24%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Certificate of Deposit
$500
3.05%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
4 Year Certificate
$0
3.04%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
48 Month Share Certificate
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
48 Month CD
$500
2.75%
View
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
4 year Certificates
$1,000
2.50%
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate2.44%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details

1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
48 month CD's
$0
2.43%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
4 Year CD
$500
2.35%
View
▼
Rate2.32%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
4-Year Certificates of Deposit (CDs)
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate1.79%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
48 Month Business Certificate Account
$0
1.25%
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 48-Month
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
48 Month Certificate
$0
0.85%
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
48-Month Certificate of Deposit
$1,000
0.75%
View
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Interest Compounded Daily | Posted Monthly

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
4 Year CD
$500
0.70%
View
▼
Rate0.69%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
48 Month Certificates of Deposit
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
48 Month Certificate of Deposit (CD)
$1,000
0.55%
View
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

FNB of Elmer
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
48 Month Fixed Rate IRA Certificate
$100
0.50%
View
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit 4 Year
$500
0.45%
View
▼
Rate0.45%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month CD
$2,500
0.40%
View
▼
Rate0.40%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
48 month Certificate of Deposit
$500
0.08%
View
▼
Rate0.08%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
60 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
60 Month Certificate
$0
3.92%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
5 year CD
$500
3.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
5 Year IRA Certificate of Deposit
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details

Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
60 month IRA share certificate
$500
3.56%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
60-Month Share Certificate
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

$100,000 Minimum to Earn APY

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
60 Month Share Certificates / Share Certificate IRA
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
5 Year CD
$0
3.29%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
60 Month Term CDs
$1,000
3.25%
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
5 Year Certificate
$0
3.24%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2.5 Year Term Certificate
$500
3.20%
View
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Certificates (CDs)
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
5 Year CD
$500
3.00%
View
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month IRA
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
5 year Certificates
$50,000
2.75%
View
▼
Rate2.72%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate2.54%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
60 Month CD
$500
2.50%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
60 month CD's
$0
2.28%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
60 Month Business Certificate Account
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 5 Year Certificate
$500
2.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
60 Month Relationship IRA/Roth
$1,000
1.75%
View
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
5 Year CD
$500
1.36%
View
▼
Rate1.35%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 60-Month
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
60 Month Certificate
$0
0.85%
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
60-Month Certificate of Deposit
$1,000
0.75%
View
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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%
View
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
60 Month Certificates of Deposit
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
60 Month Share Certificate
$0
0.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
60 Month CD & Up
$1,000
0.35%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
60 month Certificate of Deposit
$500
0.13%
View
▼
Rate0.13%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

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 Ocean Gate, New Jersey Institutions

Highest verified APYs available today — updated April 12, 2026

B Top 5 Bank Rates
USALLIANCE
18 Month Certificate
B 4.5 ★ TX: 21.07%
Min: $0
4.10%
Blue Foundry Bank
3 MONTH CD
A+ 5.0 ★ TX: 2.56%
Min: $1,000
3.95%
OceanFirst Bank
6 Month CD
A+ 5.0 ★ TX: 1.82%
Min: $5,000
3.85%
Bank of Hope
12-month CD
A+ 5.0 ★ TX: 3.52%
Min: $0
3.80%
Mid Penn Bank
Certificate of Deposit 3 Month Term
A+ 5.0 ★ TX: 2.55%
Min: $500
3.80%
CU Top 5 Credit Union Rates
Nova UA Federal Credit Union
3 Month Share Certificate Special
A+ 5.0 ★ TX: 0.88%
Min: $0
4.12%
Ukrainian Selfreliance Federal Credit Union
6 Month Certificate
A+ 5.0 ★ TX: 1.47%
Min: $0
4.08%
Healthcare Employees Federal Credit Union
12 Month CD
A+ 5.0 ★ TX: 1.92%
Min: $0
4.06%
American Heritage Federal Credit Union
18 Month (Legacy Club) Certificates/IRA Certificates
A 5.0 ★ TX: 9.69%
Min: $0
3.91%
Selfreliance Federal Credit Union
6 Month Certificate and IRA Certificates
A 5.0 ★ TX: 9.56%
Min: $500
3.79%
Rates verified April 12, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Ocean Gate, NJ CD Rate Trends

Compare local Ocean Gate, 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
1.585%
▼ 1.243 vs 7 days ago

New Jersey 12-month CD rates fell 1.243 points over the past 7 days to 1.585% APY.

6-Month CD — NJ Avg
1.470%
▼ 1.027 vs 7 days ago

New Jersey 6-month CD rates fell 1.027 points over the past 7 days to 1.470% APY.

As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

What Your Savings Earn at NJ CD Rates Today

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

CD Term NJ Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.588% $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 12, 2026.

Sample CD Ladder for Ocean Gate, 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 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.

CD-Reporting Institutions in Ocean Gate, New Jersey

40
Banks
31
Credit Unions
71
Total Institutions
4.12%
Top Rate (APY)

MonitorBankRates tracks CD rates from 71 institutions reporting rates in Ocean Gate, New Jersey — including both local community institutions and national banks with a presence in this area. Rates are verified daily.

Frequently Asked Questions about CD Rates in Ocean Gate, New Jersey

Are CD rates in Ocean Gate, New Jersey FDIC insured?

Yes, most established banks in Ocean Gate, 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 Ocean Gate, 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 Ocean Gate, 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 Ocean Gate, 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 Ocean Gate, New Jersey?

Here are recent top rates found for this area:
  • 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 (18 Month (Legacy Club) Certificates/IRA Certificates)
  • OceanFirst Bank: 3.85% APY (6 Month CD)
  • Bank of Hope: 3.80% APY (12-month CD)
  • Mid Penn Bank: 3.80% APY (Certificate of Deposit 3 Month Term)
  • Selfreliance Federal Credit Union: 3.79% APY (6 Month Certificate and IRA Certificates)
Rates reflect recent verified offers available in Ocean Gate, New Jersey. Last Updated: April 12, 2026

CD Calculators

CD Calculator
CD Ladder Calculator
Withdrawal Penalty
CD vs. HYSA

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Ocean Gate, 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 Ocean Gate, 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 12, 2026

Ocean Gate, New Jersey Rates & Resources

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