New Milford, New Jersey (NJ) Savings Rates - April 2026
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Brian McKay
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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 New Milford, New Jersey and the surrounding area include ValleyDirectValleyDirect900 River Rd, New Milford, NJ 07646A+5.0 ★Texas Ratio: 3.76% High Yield Savings Account at 4.00% APY, NVE BankNVE Bank400 River Rd, New Milford, NJ 07646A5.0 ★Texas Ratio: 11.31% Ka-Ching! Savings Account2 Tier III at 1.65% APY, Ion BankIon Bank400 River Rd, New Milford, NJ 07646A5.0 ★Texas Ratio: 10.95% Ka-Ching! Savings Account Tier III at 1.65% APY, Wells FargoWells Fargo270 River Rd, New Milford, NJ 07646A5.0 ★Texas Ratio: 7.44% Platinum Savings at 0.05% APY, and FourLeaf Federal Credit UnionFourLeaf Federal Credit UnionA-4.9 ★Texas Ratio: 15.85% Student Savings at 5.00% APY.
New Milford has 30 local institutions in our database, with savings rates as high as 4.00% APY from ValleyDirect at 900 River Rd, New Milford, NJ 07646. Use the table below to compare all available offers, including options from institutions serving the broader New Jersey area. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in New Milford, New Jersey and the surrounding area. Last Updated and Verified: April 14, 2026
Compare the Best Savings Rates in New Milford, New Jersey & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
900 River Rd, New Milford, NJ 07646
High Yield Savings Account
4.00%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details
introductory promo for new customers*
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
900 River Rd, New Milford, NJ 07646
High Yield Savings Account
3.40%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details
Existing customers earn 3.40% APY, that's still 8x the national average!
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
400 River Rd, New Milford, NJ 07646
Ka-Ching! Savings Account2 Tier III
1.65%
$0
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
400 River Rd, New Milford, NJ 07646
Ka-Ching! Savings Account Tier III
1.65%
$0
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
400 River Rd, New Milford, NJ 07646
Ka-Ching! Savings Account2 Tier II
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
400 River Rd, New Milford, NJ 07646
Ka-Ching! Savings Account Tier II
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
400 River Rd, New Milford, NJ 07646
Statement Savings Tier III
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
400 River Rd, New Milford, NJ 07646
Statement Savings
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
400 River Rd, New Milford, NJ 07646
Non-Personal Statement Savings Tier III
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
400 River Rd, New Milford, NJ 07646
Ka-Ching! Savings Account2 Tier I
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
400 River Rd, New Milford, NJ 07646
Ka-Ching! Savings Account Tier I
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
400 River Rd, New Milford, NJ 07646
Non-Personal Statement Savings Tier II
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
400 River Rd, New Milford, NJ 07646
Statement Savings Tier II
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
400 River Rd, New Milford, NJ 07646
Statement Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
400 River Rd, New Milford, NJ 07646
eSavings Tier III
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
400 River Rd, New Milford, NJ 07646
eSavings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
400 River Rd, New Milford, NJ 07646
eSavings Tier II
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
400 River Rd, New Milford, NJ 07646
Health Savings Account Tier III
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
400 River Rd, New Milford, NJ 07646
eSavings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
400 River Rd, New Milford, NJ 07646
Health Savings Account Tier III
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
400 River Rd, New Milford, NJ 07646
eSavings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
400 River Rd, New Milford, NJ 07646
Non-Personal Statement Savings Tier I
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
400 River Rd, New Milford, NJ 07646
Health Savings Account Tier II
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
400 River Rd, New Milford, NJ 07646
Health Savings Account Tier I
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
400 River Rd, New Milford, NJ 07646
Statement Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
400 River Rd, New Milford, NJ 07646
Statement Savings Tier I
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
400 River Rd, New Milford, NJ 07646
Health Savings Account Tier II
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
400 River Rd, New Milford, NJ 07646
Health Savings Account Tier I
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
400 River Rd, New Milford, NJ 07646
eSavings Tier I
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
270 River Rd, New Milford, NJ 07646
Platinum Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedApr 11, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
Student Savings
5.00%
$0
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Balances $0.00 - $1,000.00
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Online Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $1,000.00
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
High Yield Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $499.99
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
High Yield Savings (Personal)
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
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%
Healthy Savings
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Head Start Youth Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
ages 0-17 earn
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.52%
Promotional Savings Account
4.00%
$500
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $10,000 for one year!
Pinnacle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
Accelerate Savings
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
The Atlantic Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.74%
Ultra Savings
3.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Entertainment Industries Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Savings
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
As High As
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
High-Yield Savings Accounts
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
High Yield Savings Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
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%
High Yield Savings
3.14%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Business High-Yield Savings
3.10%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $1,000,000. Limit one High Yield Savings Account per member. $10 monthly service fee is waived if the daily balance is $10,000 or more. Account holder may withdraw funds three times per monthly statement cycle via check, transfer or withdrawal, $25 fee for each additional withdrawal per statement cycle. Fees may reduce earnings.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
High Yield Savings
3.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
High-Yield Savings2
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
Wellness Savings
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
Healthy Savings
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Business Savings Tier 2
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
$1,000 - $99,999.99
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Business Savings Tier 3
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
$100,000 - $249,999.99
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Business Savings Tier 4
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
$250,000 - $499,999.99
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Growth savings account
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Primary Savings
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
$1,000 - $99,999.99
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
High Yield Savings
3.00%
$500
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
High Yield Savings (Personal)
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
SafeGuard Savings, Consumer
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
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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.
New Milford, NJ Savings Rate Trends
Compare local New Milford, NJ savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — NJ Avg
2.671%
▼ 0.777 vs 7 days ago
New Jersey high-yield savings rates fell 0.777 points over the past 7 days to 2.671% APY, down from 3.447%.
Standard Savings — NJ Avg
0.689%
Unchanged vs 7 days ago
New Jersey standard savings rates currently average 0.689% APY based on data from institutions in our monitoring network.
As of Apr 14, 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 New Milford, 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 New Milford, 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 New Milford, 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 New Milford, 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 New Milford, 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 New Milford, 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 New Milford, New Jersey?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in New Milford, New Jersey offer in-person customer service, which some customers prefer.
How do I open a savings account in New Milford, 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 New Milford, New Jersey
Here are recent savings rates observed in New Milford, New Jersey and the surrounding area:
- ValleyDirect
High Yield Savings Account — 4.00% APY - NVE Bank
Ka-Ching! Savings Account2 Tier III — 1.65% APY - Ion Bank
Ka-Ching! Savings Account Tier III — 1.65% APY - Wells Fargo
Platinum Savings — 0.05% APY - FourLeaf Federal Credit Union
Student Savings — 5.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in New Milford, New Jersey. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 14, 2026
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