New Jersey CD Rate Trends
Track current and weekly average certificate of deposit APYs across all products in New Jersey, view interactive rate trend charts, and compare NJ APYs against the national average.
Current New Jersey CD Rate Trends
CD APYs in New Jersey rose by +0.764 this week, pushing the current 12-Month CD average APY to 2.743%. Savers depositing in NJ are now earning more than they would have last week, when the average stood at 1.979%.
At 2.743%, New Jersey's 12-Month CD APY sits -0.333 below the current national average of 3.076%. Savers in NJ may find better yields by comparing online offerings or considering national institutions.
The 6-Month CD APY in New Jersey currently averages 2.720%, compared to 1.912% last week. Savers weighing a shorter term should note that 6-Month CDs typically offer lower APYs than 12-Month CDs but provide more flexibility to access funds sooner.
The New Jersey certificate of deposit rate averages displayed on this page are calculated from 796 verified CD rate quotes collected across 96 banks and credit unions actively operating in New Jersey. Our proprietary systems collect and verify deposit rates daily — tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates.
Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated certificate of deposit rate database spanning community banks, regional lenders, national institutions, and credit unions across New Jersey. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like in NJ.
Data reflects average APYs offered by licensed institutions operating in NJ. Last Updated: April 7, 2026
New Jersey CD Rate Trends
Weekly average APYs across all CD terms. Hover over the chart to see exact APYs for each week.
New Jersey CD rate averages compiled from 796 current CD rates across 96 banks and credit unions operating in NJ — updated daily.
As of Apr 7, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering New Jersey financial markets, personal finance professionals advising clients on deposit strategy, and academic researchers studying regional banking patterns are welcome to cite and reference this data. All historical NJ cd rate data is free to use for editorial, research, and educational purposes.
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