Toms River, New Jersey (NJ) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Toms River, New Jersey and the surrounding area include First Atlantic Federal Credit UnionFirst Atlantic Federal Credit Union1580 Lakewood Road, Toms River, NJ 08754A+5.0 ★Texas Ratio: 4.55% Head Start Youth Savings at 4.00% APY, PNC BankPNC Bank1329 Hooper Ave, Toms River, NJ 08753A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, 1st Bergen Federal Credit Union1st Bergen Federal Credit Union40 Washington St, Toms River, NJ 08753 7669A5.0 ★Texas Ratio: 6.96% Future Dream Club Savings at 1.76% APY, Kearny BankKearny Bank827 Fischer Blvd, Toms River, NJ 08753A5.0 ★Texas Ratio: 6.51% Kid's Club Savings Account at 0.25% APY, and Wells FargoWells Fargo1700 Route 37 E, Toms River, NJ 08753A5.0 ★Texas Ratio: 7.44% Retirement High Yield Savings at 0.05% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Toms River, 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 Toms River, New Jersey (NJ) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Toms River, New Jersey and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Toms River, New Jersey & Surrounding Communities
Qualifying balance up to $5,000.00
Special Savings Club for Long-Term Saving
Special account for education workers. No fee withdrawal period from June 15 to September 1
Automatically transfers to your share on May 15
Automatically transfers to your share on November 15
Up to two extra savings accounts to organize your money
Unlimited transfers to and from your checking account.
$10 match
Qualifying balance up to $5,000.00
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
Qualifying balance up to $10,000
Qualifying balance up to $1,000.00
Balances $0.00 - $1,000.00
Qualifying balance up to $10,000.00
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
Qualifying balance up to $10,000
Apple Bank SmartStart Savings pays 12x the national average2 on balances from $1.01 to $10,000.
Qualifying balance up to $10,000.00
Qualifying balance up to $10,000
Qualifying balance up to $10,000; for one year!
Qualifications Required: Direct deposit of $500 or more per month into Advantage Checking; Receive e-statements; Qualifying balance up to $5,000.00; Monthly fee for Advantage Banking - $10 can be avoided by doing the following: Direct deposit of $500 or more per month into Advantage Checking; Receive e-statements
Qualifications Required: direct deposits totaling $1,000 or more monthly; 10 (ten) or more Point-of-Sale (POS) Debit Card transactions monthly; Unlimited ATM cash withdrawal fee reimbursements worldwide2; No monthly maintenance fees; Early Pay available; Avoid a $2 monthly statement fee by enrolling in eBanking and selecting eStatements
Unlimited ATM cash withdrawal fee reimbursements worldwide2; No monthly maintenance fees; Early Pay available; Avoid a $2 monthly statement fee by enrolling in eBanking and selecting eStatements; Bonus will be earned when a single deposit of $15,000 or more of new money is deposited into the account and the balance is maintained for a 6-month (182 days) qualification period.
Earns 3.75% APY2 on balances up to $15,000
New Money Only
Terms and Conditions apply.
Interest Compounded Daily | Posted Monthly
Simple Banking Program
Qualifications Required
Qualifying balance up to $1,000,000
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.
Toms River, NJ Savings Rate Trends
Compare local Toms River, 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.
New Jersey high-yield savings rates rose 0.643 points this week to 0.677% APY, up from 0.033% last week.
New Jersey standard savings rates rose 0.469 points this week to 0.515% APY, up from 0.047% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Toms River, 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 Toms River, 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 Toms River, New Jersey
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Toms River, New Jersey safe?
How often do savings rates change in Toms River, New Jersey?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Toms River, New Jersey?
How do I open a savings account in Toms River, New Jersey?
Best Savings Rates in Toms River, New Jersey
- First Atlantic Federal Credit Union
Head Start Youth Savings — 4.00% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - 1st Bergen Federal Credit Union
Future Dream Club Savings — 1.76% APY - Kearny Bank
Kid's Club Savings Account — 0.25% APY - Wells Fargo
Retirement High Yield Savings — 0.05% APY
