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CD Rates Wayne, New Jersey (NJ) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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 6, 2026

Current Wayne, New Jersey CD rates include USALLIANCEUSALLIANCE1 Corporate Dr, Wayne, NJ 07470 3112B4.5 ★Texas Ratio: 21.07% offering 18 Month Certificate at 4.10% APY, ValleyDirectValleyDirect200 Black Oak Ridge Rd, Wayne, NJ 07470A+5.0 ★Texas Ratio: 3.76% offering 12-month CD promotion at 3.65% APY, Kearny BankKearny Bank1158 Hamburg Tpke, Wayne, NJ 07470A5.0 ★Texas Ratio: 6.51% offering 5 Year CD at 3.00% APY, TD BankTD Bank187 Berdan Ave, Wayne, NJ 07470A5.0 ★Texas Ratio: 6.30% offering 5 Year Choice CD at 1.00% APY, and Spencer Savings BankSpencer Savings Bank183 Hamburg Tpke, Wayne, NJ 07470A+5.0 ★Texas Ratio: 2.42% offering 60 Month Certificate of Deposit (CD) at 0.65% APY. CD rates as of April 6, 2026 according to verified data from MonitorBankRates.

Wayne has 36 local institutions in our database, with CD rates as high as 4.10% APY from USALLIANCE at 1 Corporate Dr, Wayne, NJ 07470 3112. 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 6, 2026

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ 07470 3112
3 Month Certificate
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
200 Black Oak Ridge Rd, Wayne, NJ 07470
3-Month CD
$500
3.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
187 Berdan Ave, Wayne, NJ 07470
3 Month Choice CD
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 6, 2026
Details

Relationship APY

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
183 Hamburg Tpke, Wayne, NJ 07470
3 Month Certificate of Deposit (CD)
$1,000
0.10%
View
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

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 6, 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 6, 2026
Details

With Checking

Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
3 Month Certificate of Deposit - Branch
$500
3.75%
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3 Month Term Certificate
$500
3.70%
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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 6, 2026
Details

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 6, 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 6, 2026
Details

$100,000 and above

The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3 Month Certificate of Deposit
$500
2.50%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 6, 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 6, 2026
Details

Early Withdrawal Penalty: 1 month interest

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 month Certificates
$1,000
2.25%
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

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 6, 2026
Details

PSE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
IRA 3 Month
$500
2.02%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 6, 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 6, 2026
Details

Penalties may apply for early withdrawals

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

NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
IRA Accounts 3 Month Certificate
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
3 Month Share Certificate
$0
0.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
3-Month Certificate of Deposit
$1,000
0.15%
View
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Interest Compounded Daily | Posted Monthly

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
3 Month Certificates of Deposit
$0
0.05%
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 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%
1 Corporate Dr, Wayne, NJ 07470 3112
6 Month Certificate
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
200 Black Oak Ridge Rd, Wayne, NJ 07470
6-Month Certificate of Deposit
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
183 Hamburg Tpke, Wayne, NJ 07470
6 Month Certificate of Deposit (CD)
$1,000
0.15%
View
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1158 Hamburg Tpke, Wayne, NJ 07470
6 Month CD
$1,000
0.05%
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

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 6, 2026
Details

Early Withdrawal Penalty: 1 month interest

Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
6 Month Business Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

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 6, 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 6, 2026
Details

NEW MONEY REQUIRED ? IRA ELIGIBLE

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 6, 2026
Details

PSE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
IRA 6 Month
$500
3.70%
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 6, 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 6, 2026
Details

Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
6 Month Certificate of Deposit - Branch
$500
3.65%
View
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 Month CD
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money 6 Month CD
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 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 6, 2026
Details

$100,000 Minimum to Earn APY

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
6-Month CD
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
6 Month Share Certificate
$2,500
3.25%
View
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

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 6, 2026
Details

First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6 Month CD
$1,000
3.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Online Only; CD will automatically renew on maturity at the then current published FCB APY for that term.

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 6, 2026
Details

$100,000 and above

Franklin Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6-Month CD
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 6-month
$0
2.60%
View
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
6-Month Certificate of Deposit
$1,000
2.50%
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Interest Compounded Daily | Posted Monthly

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
6 month Certificates
$1,000
2.25%
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 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 6, 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 6, 2026
Details

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

Penalties may apply for early withdrawals

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

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

Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
6 Month JUMBO Share Certificate
$0
0.45%
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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 6, 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%
1 Corporate Dr, Wayne, NJ 07470 3112
12 Month Certificate
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
200 Black Oak Ridge Rd, Wayne, NJ 07470
12-month CD promotion
$500
3.65%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

New money deposit only

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1158 Hamburg Tpke, Wayne, NJ 07470
1 Year CD
$500
1.75%
View
▼
Rate1.71%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
187 Berdan Ave, Wayne, NJ 07470
12 Month Choice CD
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 6, 2026
Details

Relationship APY

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
183 Hamburg Tpke, Wayne, NJ 07470
12 Month Certificate of Deposit (CD)
$1,000
0.20%
View
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

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 6, 2026
Details

Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1 Year Business Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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 6, 2026
Details

Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
AXIS 12 MONTH CD SPECIAL
$1,000
3.70%
View
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

with Blue Axis Checking? & Direct Deposit

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 6, 2026
Details

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 6, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12-Mo. Jumbo Promo. Certificate
$100
3.60%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details

Offer ends April 20, 2026.

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 6, 2026
Details

ABCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
12-Month Certificate
$0
3.56%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

As Low As

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
1 Year IRA
$500
3.55%
View
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
12 Month Share Certificate
$2,500
3.50%
View
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money 12 Month CD
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 2026
Details

$100,000 Minimum to Earn APY

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12-Month CD
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
12 Month CD
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 12-month
$0
3.15%
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
12 Month Relationship IRA/Roth
$1,000
3.10%
View
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 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 6, 2026
Details

Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
12 Month CD
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
12 Month Certificates of Deposit
$10,000
2.95%
View
▼
Rate2.95%
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details

Community Financial Services Federal Credit Union
Institution Rating:
F3.0 ★Texas Ratio: 39.45%
Share Certificate - 1 Year
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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.

New York Times Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 Year Certificates - Share
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Haddon Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
1 Year Certificates of Deposit
$500
2.60%
View
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedApr 6, 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 6, 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 6, 2026
Details

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1 year Certificates
$1,000
2.35%
View
▼
Rate2.33%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 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 6, 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 6, 2026
Details

Penalties may apply for early withdrawals

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Standard CDs
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 2026
Details

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

Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
12 Month Custodial Share Certificate
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

($1,000 min balance)

Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Certificates of Deposit 1 Year
$500
0.30%
View
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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%
1 Corporate Dr, Wayne, NJ 07470 3112
18 Month Certificate
$0
4.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
200 Black Oak Ridge Rd, Wayne, NJ 07470
18-Month Fixed Rate CD
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1158 Hamburg Tpke, Wayne, NJ 07470
18 Month CD
$500
1.50%
View
▼
Rate1.47%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
187 Berdan Ave, Wayne, NJ 07470
18 Month Choice CD
$0
1.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Relationship APY

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
183 Hamburg Tpke, Wayne, NJ 07470
18 Month Certificate of Deposit (CD)
$1,000
0.25%
View
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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 6, 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 6, 2026
Details

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 6, 2026
Details

Early Withdrawal Penalty: 3 months interest

Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
18 Month Certificate of Deposit - Branch
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

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 6, 2026
Details

new money only^

Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
18 Month IRA CD
$250
3.40%
View
▼
Rate3.30%
Min Deposit$250
Min Balance—
UpdatedApr 6, 2026
Details

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 6, 2026
Details

East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
18 Month Share Certificate
$2,500
3.25%
View
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 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 6, 2026
Details

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 6, 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 6, 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 6, 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 6, 2026
Details

Interest Compounded Daily | Posted Monthly

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 6, 2026
Details

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 6, 2026
Details

NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
IRA Accounts 18 Month Certificate
$0
0.80%
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
18 Month JUMBO Share Certificate
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Schuyler Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
18 Month Flexible Certificate of Deposits & IRAs
$0
0.35%
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Franklin Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
18-Month CD
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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 6, 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%
1 Corporate Dr, Wayne, NJ 07470 3112
24 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Rate Special

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
200 Black Oak Ridge Rd, Wayne, NJ 07470
24-Month Certificate of Deposit
$500
3.25%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
187 Berdan Ave, Wayne, NJ 07470
24 Month Certificate of Deposit
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 6, 2026
Details

Relationship APY

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1158 Hamburg Tpke, Wayne, NJ 07470
2 Year CD
$500
0.40%
View
▼
Rate0.39%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
183 Hamburg Tpke, Wayne, NJ 07470
24 Month Certificate of Deposit (CD)
$1,000
0.35%
View
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2 Year Business Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

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 6, 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 6, 2026
Details

Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
24 Month Certificate
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Early Withdrawal Penalty: 3 months interest

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 6, 2026
Details

Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
AXIS 24 MONTH CD SPECIAL
$1,000
3.50%
View
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

with Blue Axis Checking? & Direct Deposit

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 6, 2026
Details

$100,000 Minimum to Earn APY

Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2 Year Term Certificate
$500
3.40%
View
▼
Rate3.37%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money 24 Month CD
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
24 Month Certificate
$0
3.15%
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 24-month
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

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 6, 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 6, 2026
Details

East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
24 Month Share Certificate
$2,500
2.85%
View
▼
Rate2.85%
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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 6, 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 6, 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 6, 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 6, 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 6, 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 6, 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 6, 2026
Details

Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
24 Month Share Certificate
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Franklin Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
24-Month CD
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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 6, 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%
1 Corporate Dr, Wayne, NJ 07470 3112
36 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Rate Special

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
200 Black Oak Ridge Rd, Wayne, NJ 07470
36-Month CD
$500
3.20%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
187 Berdan Ave, Wayne, NJ 07470
3 Year Certificate of Deposit
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 6, 2026
Details

Relationship APY

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1158 Hamburg Tpke, Wayne, NJ 07470
3 Year CD
$500
0.55%
View
▼
Rate0.54%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
183 Hamburg Tpke, Wayne, NJ 07470
36 Month Certificate of Deposit (CD)
$1,000
0.50%
View
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Year Business Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

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 6, 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 6, 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 6, 2026
Details

Early Withdrawal Penalty: 3 months interest

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 6, 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 6, 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 6, 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 6, 2026
Details

Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
36 Month Certificate of Deposit - Branch
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 6, 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 6, 2026
Details

PSE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
IRA 3 Year
$500
3.29%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 36-month
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
36 Month Share Certificate
$2,500
3.00%
View
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
36 Month Certificate
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Standard CDs
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month Certificate of Deposit
$500
2.50%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

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 6, 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 6, 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 6, 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 6, 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 6, 2026
Details

Early Withdrawal Penalty: 18 Months Interest

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
36 month IRA
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

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 6, 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.

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 6, 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 6, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 36-Month
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
36 Month Risk-Free Certificates of Deposit
$0
0.95%
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
IRA Accounts 36 Month Certificate
$0
0.85%
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
36 Month Share Certificate
$0
0.80%
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 2026
Details

Interest Compounded Daily | Posted Monthly

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 6, 2026
Details

Franklin Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
36-Month CD
$0
0.40%
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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%
1 Corporate Dr, Wayne, NJ 07470 3112
48 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
200 Black Oak Ridge Rd, Wayne, NJ 07470
48-Month Certificate of Deposit
$500
3.05%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1158 Hamburg Tpke, Wayne, NJ 07470
4 Year CD
$500
0.70%
View
▼
Rate0.69%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
183 Hamburg Tpke, Wayne, NJ 07470
48 Month Certificate of Deposit (CD)
$1,000
0.55%
View
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
4 Year Business Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 2026
Details

Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
48 Month Certificate of Deposit - Branch
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 6, 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 6, 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 6, 2026
Details

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Certificates of Deposit 48-Month
$500
3.50%
View
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedApr 6, 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%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

PSE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
IRA 4 Year
$500
3.29%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 6, 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 6, 2026
Details

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 6, 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 6, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
48-month Fixed Rate Share Certificates
$1,000
3.00%
View
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Certificate
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
4 year Certificates
$50,000
2.75%
View
▼
Rate2.72%
Min Deposit$50,000
Min Balance—
UpdatedApr 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Regular CDs
$0
2.64%
View
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificate of Deposit
$500
2.50%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

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 6, 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 6, 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 6, 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 6, 2026
Details

Early Withdrawal Penalty: 18 Months Interest

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
48 month IRA
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

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 6, 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 6, 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 6, 2026
Details

NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
IRA Accounts 48 Month Certificate
$0
0.85%
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 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%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 2026
Details

Franklin Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
48-Month CD
$0
0.45%
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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%
1 Corporate Dr, Wayne, NJ 07470 3112
60 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1158 Hamburg Tpke, Wayne, NJ 07470
5 Year CD
$500
3.00%
View
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
187 Berdan Ave, Wayne, NJ 07470
5 Year Choice CD
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 6, 2026
Details

Relationship APY

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
183 Hamburg Tpke, Wayne, NJ 07470
60 Month Certificate of Deposit (CD)
$1,000
0.65%
View
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
5 Year Business Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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 6, 2026
Details

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Certificates of Deposit 60-Month
$500
3.60%
View
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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 6, 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 6, 2026
Details

PSE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
IRA 5 Year
$500
3.29%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 60-month
$0
3.05%
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
60 Month Certificate
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 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 6, 2026
Details

Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
5-Year Certificates of Deposit (CDs)
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Early Withdrawal Penalty: 18 Months Interest

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 6, 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 6, 2026
Details

Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
IRA Share Certificates 60 MONTH SHARE CERTIFICATE
$0
1.87%
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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 6, 2026
Details

Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
60 Month Share Certificate
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
IRA Accounts 60 Month Certificate
$0
0.85%
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 2026
Details

Interest Compounded Daily | Posted Monthly

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 6, 2026
Details

Franklin Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
60-Month CD
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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 6, 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 6, 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.

Wayne, NJ CD Rate Trends

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

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

View Full New Jersey CD Trends →
12-Month CD — NJ Avg
2.743%
▲ 0.764 vs 7 days ago

New Jersey 12-month CD rates rose 0.764 points over the past 7 days to 2.743% APY.

6-Month CD — NJ Avg
2.720%
▲ 0.809 vs 7 days ago

New Jersey 6-month CD rates rose 0.809 points over the past 7 days to 2.720% APY.

As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Wayne, New Jersey

Are CD rates in Wayne, New Jersey FDIC insured?

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

Here are recent top rates found for this area:
  • USALLIANCE: 4.10% APY (18 Month Certificate)
  • ValleyDirect: 3.65% APY (12-month CD promotion)
  • Kearny Bank: 3.00% APY (5 Year CD)
  • TD Bank: 1.00% APY (3 Year Certificate of Deposit)
  • Spencer Savings Bank: 0.65% APY (60 Month Certificate of Deposit (CD))
  • Nova UA Federal Credit Union: 4.12% APY (3 Month Share Certificate Special)
  • Ukrainian Selfreliance Federal Credit Union: 4.08% APY (6 Month Certificate)
  • Healthcare Employees Federal Credit Union: 4.06% APY (12 Month CD)
  • Copper State Credit Union: 4.00% APY (4 Year Business Certificate)
  • Blue Foundry Bank: 3.95% APY (3 MONTH CD)
Rates reflect recent verified offers available in Wayne, New Jersey. Last Updated: April 6, 2026

CD Calculators

CD Calculator
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Withdrawal Penalty
CD vs. HYSA

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Wayne, 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 Wayne, 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 6, 2026

Wayne, New Jersey Rates & Resources

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