Lakewood, New Jersey (NJ) Savings Rates - March 2026
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Editorial Disclosure
The savings 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.
The best savings rates for Lakewood, New Jersey and the surrounding area include Apple Bank for SavingsApple Bank for Savings140 East Kennedy Boulevard, Lakewood, NJ 08701A+5.0 ★Texas Ratio: 1.54% Apple Bank SmartStart Savings Account at 5.00% APY, Unity BankUnity Bank1255 Route 70, Lakewood, NJ 08701A5.0 ★Texas Ratio: 7.29% eSavings at 3.50% APY, First Commerce Bank (NJ)First Commerce Bank (NJ)105 River Ave, Lakewood, NJ 08701A5.0 ★Texas Ratio: 9.51% Business Relationship Savings at 3.00% APY, The Bank of PrincetonThe Bank of Princeton10 America Ave, Lakewood, NJ 08701A+5.0 ★Texas Ratio: 2.91% Princeton Savings at 0.30% APY, and Fulton BankFulton Bank205 E Kennedy Blvd, Lakewood, NJ 08701A+5.0 ★Texas Ratio: 4.98% Health Savings Account at 0.07% APY. Savings rates as of March 29, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Lakewood, 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 Lakewood, New Jersey (NJ) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Lakewood, New Jersey and the surrounding area. Last Updated and Verified: March 29, 2026
Compare the Best Savings Rates in Lakewood, New Jersey & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Apple Bank SmartStart Savings Account
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000.00
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
SmartStart Banking & Savings
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Open a fee-free bank account and a high-yield savings account for teens 13-17.; Earn 5.00% APY1 on savings balances from $1.01 to $10,000
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
SmartStart Savings
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
SmartStart Savings & Banking
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
SmartStart Savings for Teens
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000.00
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
SmartStart Savings for Young Adults
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
SmartStart Savings for Youth
5.00%
$1
▼
Rate4.88%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Apple Bank SmartStart Savings pays 12x the national average2 on balances from $1.01 to $10,000.
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
My Reserve Savings Account
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
New Money Only
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Apple Bank Core Savings Account
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Simple Savings Account Preferred Rate
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Simple Banking Program
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
eSavings
3.50%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Simple Savings
3.03%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Simple Savings Account
3.03%
$0
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
eSavings
3.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
Business Relationship Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
eSavings
2.50%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
eSavings
2.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Retirement Savings Account
1.50%
$0
▼
Rate1.48%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Apple Bank Core Savings Account
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
Holiday Club Savings
0.35%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 26, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10 America Ave, Lakewood, NJ 08701
Princeton Savings
0.30%
$5,000
▼
Rate0.30%
Min Deposit$5,000
Min Balance—
UpdatedMar 24, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
eSavings
0.25%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
eSavings
0.15%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
eSavings
0.10%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
Opportunity Savings
0.10%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
10 America Ave, Lakewood, NJ 08701
Wise Business Savings
0.10%
$1,000
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMar 24, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
205 E Kennedy Blvd, Lakewood, NJ 08701
Health Savings Account
0.07%
$0
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
$14,999.01 +
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
317 Main St, Lakewood, NJ 08701
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
205 E Kennedy Blvd, Lakewood, NJ 08701
Health Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
$4,999.01 - $14,999
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
eSavings
0.05%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 29, 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 29, 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 27, 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 28, 2026
Details
Qualifying balance up to $1,000.00
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 29, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
477 Jeremiah Ave, Trenton, NJ 08610
High Yield Savings
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Business High-Yield Savings
3.10%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $1,000,000
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
High-Yield Savings2
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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
Wellness Savings
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
67 Church St, Flemington, NJ 08822
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%
67 Church St, Flemington, NJ 08822
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%
67 Church St, Flemington, NJ 08822
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%
67 Church St, Flemington, NJ 08822
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%
67 Church St, Flemington, NJ 08822
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%
67 Church St, Flemington, NJ 08822
Youth Savings
3.03%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
227 Market St, Camden, NJ 08102
Business Savings
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
$1,000 - $99,999.99
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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.
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.
Lakewood, NJ Savings Rate Trends
Compare local Lakewood, 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.
High-Yield Savings — NJ Avg
0.677%
▼ 0.587 from last week
New Jersey high-yield savings rates fell 0.587 points this week to 0.677% APY, down from 1.264% last week.
Standard Savings — NJ Avg
0.491%
▲ 0.386 from last week
New Jersey standard savings rates rose 0.386 points this week to 0.491% APY, up from 0.105% last week.
As of Mar 29, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, New Jersey?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Lakewood, New Jersey offer in-person customer service, which some customers prefer.
How do I open a savings account in Lakewood, 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 Lakewood, New Jersey
Here are recent savings rates observed in Lakewood, New Jersey and the surrounding area:
- Apple Bank for Savings
Apple Bank SmartStart Savings Account — 5.00% APY - Unity Bank
eSavings — 3.50% APY - First Commerce Bank (NJ)
Business Relationship Savings — 3.00% APY - The Bank of Princeton
Princeton Savings — 0.30% APY - Fulton Bank
Health Savings Account — 0.07% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lakewood, New Jersey. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 29, 2026
