Credit Union of New Jersey Certificates of Deposit

Credit Union of New Jersey is advertising share certificates (certificates of deposit) ranging in terms of 3 months to 5 years. The credit union is offering regular Share Certificates and two other types of certificates based on the total household deposit and loan balance with the credit union.

The share certificates based on your household's total deposit and loan balance with CUNJ are Gold Share Certificates and Platinum Share Certificates.

Gold Relationship status is achieved with a $20,000 total household deposit and loan balance. Platinum Relationship status is achieved with a $50,000+ total household deposit and loan balance.

Share Certificate Rates and Yields

Regular Share Certificates - Deposits of $500 to $99,999.

Term Dividend Rate Annual Percentage Yield-Basic Annual Percentage Yield-Gold+ Annual Percentage Yield-Platinum++
3 Months 0.75% 0.75% 0.85% 1.00%
6 Months 1.00% 1.00% 1.10% 1.25%
1 Year 1.49% 1.50% 1.60% 1.75%
18 Months 1.49% 1.50% 1.60% 1.75%
2 Years 2.23% 2.25% 2.35% 2.50%
3 Years 2.47% 2.50% 2.60% 2.75%
4 Years 2.57% 2.60% 2.70% 2.85%
5 Years 2.96% 3.00% 3.10% 3.25%

Jumbo Certificates - Deposits of $100,000 and above.

Term Dividend Rate Annual Percentage Yield-Basic Annual Percentage Yield-Gold+ Annual Percentage Yield-Platinum++
3 Months 0.85% 0.85% 0.95% 1.10%
6 Months 1.09% 1.10% 1.20% 1.35%
1 Year 1.59% 1.60% 1.70% 1.85%
18 Months 1.59% 1.60% 1.70% 1.85%
2 Years 2.33% 2.35% 2.45% 2.60%
3 Years 2.57% 2.60% 2.70% 2.85%
4 Years 2.67% 2.70% 2.80% 2.95%
5 Years 3.06% 3.10% 3.20% 3.35%

The jumbo platinum share certificate rates are some of the best CD rates available these days. As with any credit union, you need to join CUNJ to open a certificate of deposit account. There are membership eligibility requirements.  For more information on joining and current share certificate rates visit CUNJ.org.

 
Author: Brian McKay
March 30th, 2010

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