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New Jersey Savings Rate Trends

Elizabeth, New Jersey (NJ) Savings Rates - March 2026

The best savings rates for Elizabeth, New Jersey and the surrounding area include Union County Savings Bank Elizabeth, NJUnion County Savings Bank Elizabeth, NJ320 N Broad St, Elizabeth, NJ 07208A+5.0 ★ High Yield Savings at 3.50% APY, PNC BankPNC Bank928 S Elmora Ave, Elizabeth, NJ 07202A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, Capital One BankCapital One Bank911 S Elmora Ave, Elizabeth, NJ 07202A5.0 ★Texas Ratio: 10.41% 360 Performance Savings at 3.20% APY, Financial Resources Federal Credit UnionFinancial Resources Federal Credit Union10 12 S Broad St, Elizabeth, NJ 07202 3401B-4.3 ★Texas Ratio: 23.26% Youth Savings at 3.03% APY, and Spencer Savings BankSpencer Savings Bank618 Bayway Ave, Elizabeth, NJ 07202A+5.0 ★Texas Ratio: 2.42% Platinum Savings at 1.00% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Elizabeth, New Jersey, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Elizabeth, New Jersey (NJ) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Elizabeth, New Jersey and the surrounding area. Last Updated and Verified: March 26, 2026

Compare the Best Savings Rates in Elizabeth, New Jersey & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
High Yield Savings
3.50%
$100
Rate3.44%
Min Deposit$100
Min Balance
UpdatedMar 24, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
928 S Elmora Ave, Elizabeth, NJ 07202
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
911 S Elmora Ave, Elizabeth, NJ 07202
360 Performance Savings
3.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
Youth Savings
3.03%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
Ultra Purple Savings
3.03%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
Non-Profit Purple Savings
3.03%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
Municipal Purple Savings
3.03%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
Business Purple Savings
3.03%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
420 Business Purple Savings
3.03%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
Ultra Purple Savings
2.78%
$0
Rate2.75%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
Ultra Purple Savings
2.27%
$0
Rate2.25%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
Business Savings
2.00%
$100
Rate1.98%
Min Deposit$100
Min Balance
UpdatedMar 24, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
Ultra Purple Savings
1.51%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
Purple Savings
1.51%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
618 Bayway Ave, Elizabeth, NJ 07202
Platinum Savings
1.00%
$50,000
Rate0.99%
Min Deposit$50,000
Min Balance
UpdatedMar 21, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
Purple Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
Holiday Club Savings
1.00%
$50
Rate1.00%
Min Deposit$50
Min Balance
UpdatedMar 24, 2026
Details

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
Business Savings
0.75%
$100
Rate0.75%
Min Deposit$100
Min Balance
UpdatedMar 24, 2026
Details

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
Rising Star Savings
0.60%
$1
Rate0.60%
Min Deposit$1
Min Balance
UpdatedMar 24, 2026
Details

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
IRA Savings
0.60%
$500
Rate0.59%
Min Deposit$500
Min Balance
UpdatedMar 24, 2026
Details

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
STAR Savings
0.60%
$50
Rate0.59%
Min Deposit$50
Min Balance
UpdatedMar 24, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
618 Bayway Ave, Elizabeth, NJ 07202
Statement Savings
0.50%
$25,000
Rate0.50%
Min Deposit$25,000
Min Balance
UpdatedMar 21, 2026
Details

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
High Yield Savings
0.50%
$100
Rate0.49%
Min Deposit$100
Min Balance
UpdatedMar 24, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
618 Bayway Ave, Elizabeth, NJ 07202
SpencerKids Savings
0.50%
$1
Rate0.50%
Min Deposit$1
Min Balance
UpdatedMar 21, 2026
Details

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
STAR Savings
0.35%
$50
Rate0.35%
Min Deposit$50
Min Balance
UpdatedMar 24, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
618 Bayway Ave, Elizabeth, NJ 07202
Platinum Savings
0.25%
$25,000
Rate0.25%
Min Deposit$25,000
Min Balance
UpdatedMar 21, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
618 Bayway Ave, Elizabeth, NJ 07202
Statement Savings
0.25%
$100
Rate0.25%
Min Deposit$100
Min Balance
UpdatedMar 21, 2026
Details

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
20 Union Street, Elizabeth, NJ 07202
Platinum Savings - Online
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
20 Union Street, Elizabeth, NJ 07202
Platinum Savings - in-Branch
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
20 Union Street, Elizabeth, NJ 07202
Premier Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
618 Bayway Ave, Elizabeth, NJ 07202
Platinum Savings
0.10%
$5,000
Rate0.10%
Min Deposit$5,000
Min Balance
UpdatedMar 21, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
618 Bayway Ave, Elizabeth, NJ 07202
IRA Savings
0.10%
$1,000
Rate0.10%
Min Deposit$1,000
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
350 Westminster Ave, Elizabeth, NJ 07208
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
350 Westminster Ave, Elizabeth, NJ 07208
Platinum Savings
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
20 Union Street, Elizabeth, NJ 07202
Premier Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
618 Bayway Ave, Elizabeth, NJ 07202
Platinum Savings
0.05%
$100
Rate0.05%
Min Deposit$100
Min Balance
UpdatedMar 21, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
618 Bayway Ave, Elizabeth, NJ 07202
IRA Savings
0.05%
$100
Rate0.05%
Min Deposit$100
Min Balance
UpdatedMar 21, 2026
Details

Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ 07201
Auxiliary Savings
0.04%
$0
Rate0.04%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Wakefern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
505 Division St, Elizabeth, NJ 07201
Statement Savings
0.04%
$0
Rate0.04%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
928 S Elmora Ave, Elizabeth, NJ 07202
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
350 Westminster Ave, Elizabeth, NJ 07208
Platinum Savings
0.02%
$25
Rate0.02%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
928 S Elmora Ave, Elizabeth, NJ 07202
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
350 Westminster Ave, Elizabeth, NJ 07208
Platinum Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
Municipal Membership Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
Non-Profit Membership Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
Membership Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
Business Membership Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
420 Business Membership Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
10 12 S Broad St, Elizabeth, NJ 07202 3401
Ultra Purple Savings
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
Student Savings
5.00%
$0
Rate4.91%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Balances $0.00 - $1,000.00

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ 08016
Online Savings Account
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $1,000.00

Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ 08610
IRA Savings
4.08%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
Healthy Savings
4.07%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Head Start Youth Savings
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $5,000.00

Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.52%
40 W Century Rd, Paramus, NJ 07652 1454
Promotional Savings Account
4.00%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $10,000; for one year!

Pinnacle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2909 Washington Rd Ste 10, Parlin, NJ 08859
Accelerate Savings
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

The Atlantic Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.74%
1331 Magie Ave, Union, NJ 07083
Ultra Savings
3.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ 08016
High Yield Savings Account
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Affinity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
73 Mountainview Blvd, Basking Ridge, NJ 07920 3849
Performance Savings
3.25%
$5
Rate3.20%
Min Deposit$5
Min Balance
UpdatedMar 24, 2026
Details

Qualifications Required

Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ 08610
High Yield Savings
3.20%
$0
Rate3.15%
Min Deposit$0
Min Balance
UpdatedMar 22, 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.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.

Elizabeth, NJ Savings Rate Trends

Compare local Elizabeth, NJ savings rate quotes against the statewide average

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

View Full New Jersey Savings Trends →
High-Yield Savings — NJ Avg
0.688%
▲ 0.602 from last week

New Jersey high-yield savings rates rose 0.602 points this week to 0.688% APY, up from 0.086% last week.

Standard Savings — NJ Avg
0.509%
▲ 0.204 from last week

New Jersey standard savings rates rose 0.204 points this week to 0.509% APY, up from 0.305% last week.

As of Mar 26, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Elizabeth, 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. Every savings rate displayed 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 Elizabeth, New Jersey. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in NJ.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Savings Accounts in Elizabeth, New Jersey

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in New Jersey, help your money grow faster through a higher APY.

Are savings accounts in Elizabeth, New Jersey safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in New Jersey up to $250,000 per depositor, per institution.

How often do savings rates change in Elizabeth, New Jersey?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local New Jersey rate tables daily to ensure you see the most current high-yield options.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Elizabeth, New Jersey may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Elizabeth, New Jersey?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Elizabeth, New Jersey offer in-person customer service, which some customers prefer.

How do I open a savings account in Elizabeth, New Jersey?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Elizabeth, New Jersey

Here are recent savings rates observed in Elizabeth, New Jersey and the surrounding area:
  • Union County Savings Bank Elizabeth, NJ
    High Yield Savings — 3.50% APY
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • Capital One Bank
    360 Performance Savings — 3.20% APY
  • Financial Resources Federal Credit Union
    Youth Savings — 3.03% APY
  • Spencer Savings Bank
    Platinum Savings — 1.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Elizabeth, New Jersey. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026