Unity Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 4.80%, 6-month CD rates at 4.25% and 3-month CD rates at 0.75%. Current savings rates are at 0.02% and money market rates are at 4.33%. Mortgage rates today on 30-year fixed loans are around 6.90%. Credit Card rates are at 17.99%. Personal Loan rates are at 11.50%. All these rates, and more, can be found in our database of rates. Unity Bank's 60-Month CD rates are at 0.35%, 48-Month CD rates are at 0.30%, 36-Month CD rates are at 0.25%, 24-Month CD rates are at 0.20%, 12-Month CD rates are at 0.15%. Unity Bank's savings rates are at 0.05%. Unity Bank's money market rates are at 0.05%. Unity Bank's 30-Year Fixed rates are at 6.88%, 15-Year Fixed rates are at 6.38%.

Unity Bank

To see how these rates compare to Unity Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Unity Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Unity Bank CD rates. You can also compare Unity Bank savings rates, MMA rates and mortgage rates using our other rate lists.

Unity Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Unity Bank? Share your experience about Unity Bank by leaving a review below, or read customer reviews before you decide to use Unity Bank.

Unity Bank Texas Ratio

Unity Bank's Texas Ratio is at 3.60%, which is considered excellent. The Texas Ratio for Unity Bank is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Unity Bank is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
0.15%
18-Month CD
N/A
24-Month CD
0.20%
36-Month CD
0.25%
48-Month CD
0.30%
60-Month CD
0.35%
Savings
0.05%
MMA
0.05%
30-Year Fixed
6.91%
Credit Card
N/A
Personal Loan
N/A
Unity Bank
64 Old Highway 22
Clinton, NJ 08809
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

Unity Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Unity Bank
Unity Bank
60-Month CD
0.35%
$1,000
Unity Bank
Unity Bank
48-Month CD
0.30%
$1,000
Unity Bank
Unity Bank
36-Month CD
0.25%
$1,000
Unity Bank
Unity Bank
24-Month CD
0.20%
$1,000
Unity Bank
Unity Bank
12-Month CD
0.15%
$1,000
Unity Bank
Unity Bank
Opportunity Savings
0.05%
$100
Unity Bank
Unity Bank
Money Market IRA
0.05%
$100
Unity Bank
Unity Bank
Prosperity Plus Checking
0.05%
$100
Show More

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. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Unity Bank Mortgage Rates

Lender
Product
Rate
APR
Points
Unity Bank
Unity Bank
15-Year Fixed
6.375%
6.428%
0.000
Unity Bank
Unity Bank
30-Year Fixed
6.875%
6.908%
0.000

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Unity Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
MapleMark Bank
MapleMark Bank
12-Month CD
5.10%
$25,000
Citizens Bank
Citizens Bank
8-Month CD new money
5.00%
$25,000
Town & Country Bank Salem, MO
Town & Country Bank Salem, MO
15-Month CD (special)
4.61%
$1,000
MapleMark Bank
MapleMark Bank
18-Month CD
4.50%
$25,000
NASA Federal Credit Union
NASA Federal Credit Union
12-Month CD
4.50%
$1,000
First Bank Hampton
First Bank Hampton
18-Month CD
4.50%
$1,000
Old Point National Bank of Phoebus
Old Point National Bank of Phoebus
10-Month CD (special)
4.50%
$1,000
Community Bank of Pleasant Hill
Community Bank of Pleasant Hill
36-Month CD IntraFi® Network Deposits (formerly CDARS ®)
4.24%
$10,000
Frost Bank
Frost Bank
12-Month CD
4.00%
$1,000
The Citizens Bank of Georgia
The Citizens Bank of Georgia
12-Month CD
4.00%
$500
Northern Bank Direct
Northern Bank Direct
30-Month CD
4.00%
$500
Ukrainian Selfreliance Federal Credit Union
Ukrainian Selfreliance Federal Credit Union
60-Month CD My Choice
3.82%
$500
RBAZ Republic Bank of Arizona
60-Month CD
3.78%
$1,000
Security Bank USA
Security Bank USA
24-Month CD
3.75%
$25,000
Farmers Bank of Appomattox
Farmers Bank of Appomattox
12-Month CD
3.75%
$100
Ivy Bank, a div of Cambridge Savings Bank
Ivy Bank, a div of Cambridge Savings Bank
36-Month CD
3.25%
$1,000
Home Savings Bank Salt Lake City, UT
Home Savings Bank Salt Lake City, UT
36-Month CD
3.00%
$5,000
State Bank Waterloo, IL
State Bank Waterloo, IL
48-Month CD
3.00%
$1,000
ACMG Federal Credit Union
ACMG Federal Credit Union
48-Month CD certificate
2.65%
$1,000
Community First Bank Kansas City, KS
Community First Bank Kansas City, KS
24-Month CD
2.52%
$3,000
Union Federal S&L
6-Month CD
2.52%
$200
Frontier Community Bank
Frontier Community Bank
18-Month CD
2.50%
$1,000
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
36-Month CD
2.36%
$500
F&M Bank & Trust
F&M Bank & Trust
24-Month CD
2.31%
$2,500
The Valley State Bank
The Valley State Bank
60-Month CD
2.27%
$500
Community First Bank of Indiana
Community First Bank of Indiana
18-Month CD
2.25%
$1,000
Home Federal S&L of Niles
Home Federal S&L of Niles
24-Month CD
2.07%
$1,000
The Bank of the West
The Bank of the West
48-Month CD
1.76%
$1,000
Hiawatha National Bank
Hiawatha National Bank
24-Month CD
1.71%
$500
Interstate Bank
Interstate Bank
Money Market
1.51%
$1,000
First National Bank Ames, Iowa
First National Bank Ames, Iowa
6-Month CD
1.15%
$1,000
Coastal Heritage Bank
Coastal Heritage Bank
Money Market
1.00%
$75,000
Bank Bank
Bank Bank
18-Month CD
1.00%
$10,000
Citizens Bank & Trust (AL)
Citizens Bank & Trust (AL)
Business Money Market
0.60%
$250,000
Atkins Savings B&T
Atkins Savings B&T
Passbook Savings
0.50%
$25
Nevada B&T Co.
Nevada B&T Co.
Variable Rate Savings
0.50%
$50
PS Bank
PS Bank
12-Month CD
0.50%
$500
Grand Valley Bank
Grand Valley Bank
Checking Account
0.40%
$100
Central State Bank Clayton, IL
Central State Bank Clayton, IL
Money Market
0.35%
$25,000
Bank of 1889
Bank of 1889
6-Month CD
0.25%
$500
New Peoples Bank
New Peoples Bank
Statement Savings
0.25%
$0
Marblehead Bank
Marblehead Bank
24-Month CD
0.25%
$500
Harleysville Bank
Harleysville Bank
15-Month CD
0.20%
$500
Comerica
Comerica
36-Month CD
0.15%
$1
Wayne Bank and Trust Co.
Wayne Bank and Trust Co.
Regular Savings
0.07%
$0
Montgomery Bank
Montgomery Bank
Blue Savings
0.06%
$0
First Resource Bank Exton, PA
First Resource Bank Exton, PA
Interest Checking
0.05%
$0
First State Bank New London, WI
First State Bank New London, WI
Money Market Tier 1
0.05%
$5,000
Jefferson Security Bank
Jefferson Security Bank
Simple Savings
0.05%
$0
Liberty Bank Middletown, CT
Liberty Bank Middletown, CT
Money Market
0.05%
$0
Show More

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. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Unity Bank Mortgage Rates

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
15-Year Fixed
5.750%
5.910%
0.000
5.870%
5.970%
0.000
15-Year Fixed Jumbo
5.875%
5.970%
0.000
5.950%
5.998%
0.000
6.000%
6.043%
0.000
15 Year Fixed
5.750%
6.046%
1.000
6.000%
6.056%
0.000
10-Year Power Rate Fixed
5.750%
6.068%
0.000
5.875%
6.071%
0.250
5.875%
6.079%
1.000
6.000%
6.084%
0.000
6.000%
6.084%
0.000
15-Year Power Rate Fixed
5.875%
6.101%
0.000
6.000%
6.121%
0.000
5.875%
6.121%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Unity Bank Information

Unity Bank
64 Old Highway 22
Clinton, NJ 08809
Hunterdon
Established Date: 09/13/1991
FDIC Certificate #: 33503
Date of FDIC Deposit Insurance: 09/13/1991
Bank Holding Company: UNITY BCORP INC
How Many Domestic U.S. Offices? 20
How Many Branches are There? 20
Is Unity Bank FDIC Insured? Yes
What is Unity Bank's Cert number? 33503
What is the maximum amount for insured deposits? $250,000 per holder, per account

Unity Bank Financials

Total Assets:
$2,464,640,000
Total Deposits:
$1,824,639,000
Equity Capital:
$239,075,000
Domestic Deposits:
$1,824,639,000
Net Income:
$10,303,000
Return on Assets:
1.7593%
Quarterly Return on Assets:
1.6800%
Pretax Return on Assets:
2.2767%
Pretax Quarterly Return on Assets:
2.2800%
Return on Equity:
17.3500%
Quarterly Return on Equity:
17.3700%
Leverage Tier 1 (Core Capital) Ratio:
10.7753%
Total Interest Income (YTD):
4.7465%
 
 
Headquarters:
Clinton
FDIC Field Office:
Jamesburg
Regulator:
FDIC
County:
Hunterdon
# of Offices:
20
Metropolitan Statistical Area (MSA):
New York-Newark-Jersey City, NY-NJ-PA
Consolidated Metropolitan Statistical Area (CMSA):
New York-Northern New Jersey-Long Island, NY-NJ-CT-PA
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC

Top 25 Twelve Month CD Rates as of 2/5/24

Below is a list of the top 25 Twelve Month CD rates as of February 5, 2024. You can search for and compare certificate of deposit rates for any terms by using our deposit rates tables. We have CD rates from thousands of financial institutions to make sure you're getting the best rates available today.

  • Peoples Bank of Seneca
  • 12-Month CD special
  •     Read more...

    Top 50 CD Rates on 12-Month Certificates of Deposit 1/6/24

    The 12-month CD rates listed here are significantly higher than the average 12-month rate of 2.82% in our database of rates as of 1/6/24. Right now the best CD rate on our 12-month list is at 6.00%, two credit unions are currently offering the top rate, City Credit Union Credit Human FCU. The third best rate is also from a credit union, All In Credit Union is offering a 12-month jumbo CD rate of 5.80%.

    The 4th best 12-month rate is from MyeBanc, currently offering a 12-month jumbo CD rate of 5.77% APY. Bayer Heritage FCU has the 5th best rate at 5.76% for a 12-month jumbo CD. The 6th best rate is a three-way tie at 5.75% APY, All In Credit Union, One World Bank and Washita State Bank are all offering a 5.75% APY for a regular 12-month CD. You can view the top 50 rates below, do your own search of our database for the best CD rates on 12-month CDs.

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    Arbor Bank, Get a FREE Slow Cooker with New Checking Account

    Remember the days when banks would offer free toasters, T.V.s etc. to open an account? Well, those days are back at Arbor Bank with a free 1.5-quart pressure cooker to open any checking account.

    Arbor Bank Checking Account Types

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    Connecticut Community Bank CD Rates: Top Rate 4.15% APY 20-Month Bump-up CD

    Connecticut Community Bank is offering some good CD rates and some not so good. The highest CD rates are on the bank's 20-Month Bump-up CD, with a current rate of 4.15% APY. The second highest CD rate is on the bank's regular CD at 4.00% APY. The lowest CD rate is on the 18-month CD at 0.30% APY, a rather pathetic rate not worth even offering, I shouldn't even mention it. View all of Connecticut Community Bank CD Rates right here.

    Connecticut Community Bank Standard CD Rates

    12-Month CD

        Read more...

    Flushing Bank CD Rates: A Closer Look at its Competitive Rates

    Flushing Bank is currently offering two of the best CD rates available for their 12-month and 15-month Certificates of Deposit. The current 12-Month CD rate at Flushing Bank is at 5.00% and the 15-Month CD rate is at 4.60%. The minimum opening deposit for both certificates of deposit is only $1,000.

    The Bank’s History

    Flushing Bank has been a fixture in its community of Flushing (Queens), NY, for almost 100 years. Founded in 1929, the bank initially served as a local community bank, focusing on the needs of families and small businesses. Over the years, it has evolved to offer a wider range of products, including checking accounts, savings accounts, and investment products, among others. The bank's commitment to its community and to offering competitive financial products has allowed it to expand its reach and customer base.

        Read more...

    Limelight Bank CD Rates: 12-Month 5.60% APY, 18-Month 5.35% APY

    Oh, get ready to sit on the edge of your seat for this—it's about CD rates at Limelight Bank! Wait, are you still there? Good, because you should be. CDs (Certificate of Deposits) have staged a comeback, a rockstar's encore in the world of fixed income. And Limelight Bank, a division of Capital Community Bank, is hitting some high notes. Now, let's dive into the nitty-gritty of what makes Limelight Bank’s CD rates and terms not just a choir of numbers, but a symphony of smart investing.

    Limelight Bank CD Rates are some of the best CD rates around right now on short term certificates of deposit. Current 12-month CD rates at Limelight Bank are at 5.60% APY, more than three times the national average 12-month rate of 1.76%. Besides having one of the top 12-month rates, Limelight Bank is also offering an 18-month CD rate of 5.35% APY.

    Let's face it: The old-world charm of certificates of deposit has often been overlooked, what with all the fintech innovations stealing the limelight (pun intended). However, Limelight Bank has put the sexy back into CDs with its competitive CD rates. Again, the one-year CD rate with this bank could offer you is at 5.60% APY, compared to the national average bank CD rates at 1.76%. That CD rate might sound low compared to recent equity markets return, but we're talking about risk-free, FDIC-insured money here. If you're looking to play it safe while still wanting more bang for your buck, this could be the way to go.

        Read more...

    CFG Community Bank CD Rates and Review: 12-Month Rate at 4.75% APY

    CFG Community Bank CD Rates on 12-month certificates of deposit are one best CD rates available right now at 4.75% annual percentage yield (APY). Certificates of Deposit (CDs) are fixed-term investment options offered by Community First Bank (CFG Bank).

    CFG Bank offers competitive interest rates on all of its CD accounts, not only their 1-year CD account. These deposits come with a guaranteed return and offer a higher rate of interest than traditional savings accounts. The interest rate is fixed for the entire term of the CD, which ranges from 12 months to 5 years. This means that the depositor knows exactly what rate they will receive, regardless of fluctuations in the market.

    CFG Bank CD accounts have competitive interest rates but like any other posted rates are subject to change without notice. The bank also offers the option of automatic renewal at maturity, meaning that the CD will automatically renew for the same term at the then-current interest rate. This is a convenient option for those who prefer to keep their investments in a fixed-term deposit.

        Read more...

    Are you Looking for High Interest Rates on your Savings?

    Are you looking for high interest rates on your savings? A 12-month certificate of deposit (CD) with rates above 4.00 percent may be the right choice for you. Banks and credit unions offer CD's as a type of savings account that generally have higher interest rates than traditional savings accounts. However, these accounts require the deposit to stay in the account for a specified period of time, usually ranging from a few months to several years.

    When searching for the best CD rates, it's essential to compare rates from different financial institutions. Websites such as monitorbankrates.com and bankrate.com can be incredibly helpful in this regard. According to monitorbankrates.com, some of the highest 12-month CD rates currently available include: Connexus Credit Union with 4.85%, First Internet Bank of Indiana with 4.75 percent, CIT Bank, also with 4.75 percent, and CFG Community Bank with 4.70 percent. Bankrate.com also lists several financial institutions offering 12-month CD rates above 4.00 percent, such as American Express National Bank with 4.15 percent and Discover Bank with 4.15 percent.

    When considering a CD, it's important to consider the rate as well as the length of the term. A higher rate may be more attractive, but if the term is longer, the account holder may miss out on potentially higher rates if they become available in the future. Additionally, it's important to consider whether the account holder will need to access the funds before the term is up, as early withdrawals may result in penalties.

        Read more...

    TIAA Bank CD rates: 2.10% APY 12-Month CD

    TIAA Bank CD ratesTIAA Bank CD rates are very competitive right now, especially on shorter term certificates of deposit. Current 12 month CD rates at TIAA Bank are 2.08 percent with an APY of 2.10 percent. If you're looking for a slightly longer CD term, 24 month CD rates are also at 2.08 percent with an APY of 2.10 percent. 3 year CD rates from TIAA are slightly higher at 2.13 percent with an APY of 2.15 percent. TIAA Bank is a large community bank headquartered in Florida and has been in business for over 50 years. The bank has over $41 billion in assets and $27 billion in deposits. To get the highest CD rates, compare online CD rates with TIAA Bank CD rates.

    TIAA Bank Certificate of Deposit Account Fine Print

    Amerant Bank CD Rates

    Amerant Bank CD RatesAmerant Bank CD rates are very competitive right now, especially on shorter term certificates of deposit. Current 12 month CD rates at Amerant Bank are 1.73 percent with an APY of 1.75 percent. If you're looking for a slightly longer CD term, 18 month CD rates are also at 1.73 percent with an APY of 1.75 percent. 2 year CD rates from Amerant are slightly higher at 2.18 percent with an APY of 2.20 percent.Amerant Bank is the largest community bank headquartered in Florida and has been in business for over 40 years. The bank has over $8 billion in assets and 23 banking branches, 15 in Florida and 8 in Texas.

    Amerant Bank Certificate of Deposit Account Fine Print

        Read more...

    Luana Savings Bank Rates and Reviews

    Luana Savings Bank Rates and ReviewsLuana Savings Bank CD rates were recently decreased but are still some of the best CD rates available today. Luana Savings Bank is headquarted in Luana, Iowa, with five brick and mortar branches, soon to be six. The largest decreases in CD rates from Luana Savings Bank was by 25 basis points on 3 year and 5 year certificates of deposit.3 year CD rates from Luana Savings Bank were lowered to 2.37 percent from 2.62 percent. 5 year CD rates from Luana Savings Bank are at 2.42 percent, down from 2.67 percent. 30 month CD rates at Luana Savings are at 2.32 percent, down from 2.52 percent.Shorter term CD rates from Luana Savings were lowered by less. 2 year CD rates from Luana Savings are now at 2.27 percent, down 15 basis points from 2.42 percent. 1 year CD rates at Luana are now at 2.16 percent, down from 2.26 percent. 6 month CD rates were lowered 5 basis points to 1.96 percent and 3 month CD rates were also lowered 5 basis points to 1.76 percent.     Read more...

    Best Savings Account Rates SFGI Direct Savings Account

    SFGI Direct, an online banking division of Summit Community Bank, is offering one of the best savings account rates currently available. Chances are you haven't hears of SFGI Direct or Summit Community Bank but the bank is located in the Eastern Panhandle and South Central regions of West Virginia and the Shenandoah Valley and Northern regions of Virginia.

    New York CD Rates: Best 5 Year CD Yields at 2.75%

    Right now on our list of 5 year New York CD rates two banks have the best CD rates. Bay Ridge Federal Credit Union and Ponce de Leon Federal Savings Bank are both offering 5 year CD rates at 2.71% with a CD yield of 2.75%. That rate is considerably higher than the current national average 5 year rate of 1.74% as reported by Monitor Bank Rates.You can find the highest CD rates in your state by searching our rate tables at CDRates.MonitorBankRates.com. Both national rates and local rates are listed.The second highest CD rates on our list in New York are from Brooklyn Federal Savings Bank, Ridgewood Savings Bank Federal Savings Bank and Dime Savings Bank are all offering 60 month CD rates at 2.47% with a yield of 2.50%. Dime requires that new money be deposited at the bank to earn the rate and yield.     Read more...

    New York CD Rates - Highest 12 Month Rates

    Right now on our database of CD rates for New York, New York, we found Bay Ridge Federal Credit Union has the best CD rate on our 12 month certificate of deposit table. Bay Ridge Federal Credit Union's 1 year rate is an incredible 1.49% with an APY of 1.50%. The credit union's rate is higher than most 12 month CD rates at banks and almost three times time current national average of 0.57 percent as reported by MonitorBankRates.com.The second best CD rate on our list of rates in New York, NY is from Tennessee Commerce Bank. The bank's current 12 month rate is 1.29% with an APY of 1.30%.Broadway National Bank has the third highest CD rate on our list in New York. Broadway National Bank's 1 year rate is currently at 1.25% with an APY of 1.26%.     Read more...

    Ohio CD Interest Rates: 3 Month CD Interest Rates and CD Yields

    Ally Bank has the best CD interest rate on our list of 3 month CD interest rates in Ohio. Ally Bank's current 3 month bank CD rate is 0.64 percent with a bank CD yield of 0.64 percent. Ally Bank's 3 month CD interest rate is more than double the current national average 3 month CD rate of 0.28 percent as reported by MonitorBankRates.com.Three banks are tied for the second best 3 month CD rate on our rate table in Ohio. Discover Bank, Giantbank.com and Nationwide Bank are all currently offering 3 month CDs at 0.60 percent with a 3 month CD yield of 0.60 percent.Coming in third place on our Ohio CDs table is Tennessee Commerce Bank with a 3 month CD rate and CD yield of 0.55 percent.     Read more...

    New Jersey CD Interest Rates and CD Yields

    Right now Bank of Internet has the highest 12 month CD rate on our CD rates table in New Jersey. Bank of Internet is currently offering 12 month bank CD interest rates at 1.40 percent with a bank CD yield of 1.41 percent. You can find the best rates in Newark, NJ, Trenton, NJ or any other city or town in NJ by searching our rates table. Tied for second on our list of NJ 12 month CD interest rates is Discover Bank, American Express Bank and Sallie Mae Bank. All three banks are currently offering 12 month bank CD interest rates at 1.29 percent with a bank CD yields of 1.30 percent.Our 3 month NJ CD interest rates table has Hudson City Savings Bank listed as having the best 3 month CD rate. Hudson City Savings Bank's current 3 month CD interest rate is 0.75 percent with a CD interest yield of 0.75 percent. Boiling Springs Savings Bank is second on our 3 month NJ CD rate list. Boiling Springs Savings Bank's current 3 month CD rate is 0.70 percent with a 3 month CD yield of 0.70 percent.     Read more...

    New Jersey CD Interest Rates & CD Yields

    Comparing CD rates in the State of New Jersey? You can find the highest CD rates in New Jersey by searching our CD rate tables. Right now, Bank of Internet has the best CD rate on our NJ CD rates table. Bank of Internet’s current 12 month CD interest rate is 1.40 percent with a CD yield of 1.41 percent. The minimum opening certificate of deposit account balance is $1,000.Discover Bank has the second best bank CD rate on our list in New Jersey. Discover Bank is currently offering their 12 month bank CD rate at 1.34 percent with a CD interest yield of 1.35 percent. The minimum opening deposit for a CD account at Discover is $2,500. The third highest CD interest rate on our list belongs to Ally Bank. The Bank's current 1 year CD rate is 1.31 percent with a CD yield of 1.32 percent.  Ally Bank's minimum opening certificate of deposit balance is only $1.     Read more...

    CD Interest Rates & CD Yields Albany, New York

    The best CD interest rate on our CD rate table in Albany, New York, is from Bank of Internet. Bank of Internet's current 12 month CD interest rate is 1.40 percent with a CD interest yield of 1.41 percent. Next on our list of the best CD rates in Albany, NY is from Sallie Mae. Sallie Mae Bank's current 1 year bank CD rate is 1.39 percent with a bank CD yield of 1.40 percent. Discover Bank, GiantBank.com and Nationwide Bank are tied with the third highest CD rate on our list in Albany. The banks all have a CD rate of 1.34 percent with a CD interest yield of 1.35 percent.

    Albany, New York CD Yields

        Read more...

    California CD Interest Rates & CD Yields

    Besides Social Security many retirees rely on returns from certificates of deposit for their income. Since returns on CD rates have been dismal for almost three years that source of income has been dwindling. The current national average CD rate on a 12 month certificate of deposit is only 0.77 percent today.Three years ago you could find 12 month CD rates around 3.00 percent or even higher depending on the bank or credit union. In the summer of 2008 several banks were so desperate for deposits they offered rates as high as 5.00 percent for a 12 month CD. Although the national average 12 month CD rate is .077 percent you can find rates higher than the average. Right now on our CD interest rate table for California, Bank of Internet has the highest rate. Bank of Internet is currently offering 1 year CD rates at 1.47 percent with a CD yield of 1.48 percent. Bank of Internet's rate is one of the highest CD rates at banks and credit unions available right now.     Read more...

    Highest CD Rates in New Jersey (NJ)

    CD rates have been dismal for over two years now. The national average CD rates have been declining since the financial crisis and the "Great Recession".  The current national average 3 month CD rate is only 0.33 percent. 5 year national average CD rates aren't much higher. The current 5 year average CD interest rate is 2.09 percent. In the summer of 2008 you could find 1 year CD rates at banks and CD rates and CD rates at credit unions as high as 5.00 percent.We have compiled a list of the highest CD rates in New Jersey. The highest New Jersey CD rate is from Flagstar Bank. The bank is offering 12 month bank CD rates at 1.54 percent with an annual percentage yield (APY) of 1.55 percent. The minimum opening deposit is $500.Bank of Internet is second on the list of highest CD rates in NJ. The bank's 1 year CD rate is 1.47 percent with an APY of 1.48 percent. The minimum opening CD account balance is $1,000.     Read more...

    Best CD Rates New York

    CD rates were expected to head higher later this year but it might be early next year before CD rates move higher. The reason being is the economy is starting to slow down and inflation still isn't a concern at this point for the fed to raise interest rates. Once the fed starts rasing interest rates CD rates will also head higher.Looking for the best CD rates? Use our CD rate tables at CDRates.MonitorBankRates.com to find the best bank CD rates and credit union CD rates in your area. The current national average 12 month CD rate is 0.83 percent this morning. Although the national average 12 month CD rate is dismal, you can find 12 month CD rates a lot higher than the national average rate. We ran a search on our CD rates table and found Flagstar Bank and Sallie Mae Bank have the best 12 month CD rates on our rate table for NY.     Read more...

    Community Bank of Bergen County Current CD Rates

    Community Bank of Bergen County recently lowered some of their CD rates. The biggest CD rate decline was on their 3 year certificates of deposit. The current 3 year CD rate is 2.00 percent, down from an rate of 2.75 percent. The bank also lowered their 9 month CD rates from 1.00 percent to 0.75 percent.The bank is advertising CD rates for regular certificate of deposit rates and Individual Retirement Account (IRA) certificate of deposit rates. Regular certificates of deposit are available in terms ranging from 91 days to 5 years. IRA certificates of deposit are available in terms between 18 months and 5 years.Looking for the highest bank CD rates and credit union CD rates? Use our CD rate tables at CDRates.MonitorBankRates.com to find the best CD rates in your area.     Read more...

    Best 12 Month CD Rates California

    The current national average 12 month CD rate is averaging 0.965 percent this morning. 12 month CD rates had been even lower a few weeks ago averaging 0.76 percent. You can find CD interest rates higher than the national average rates. We have put together a list of the best 12 month CD rates from credit unions and banks in the state of California.Looking for the best CD rates at banks and credit unions? Use our CD rate tables at CDRates.MonitorBankRates.com to find the best CD rates in your area.Right now the most competitive 12 month certificate of deposit rates are hovering around 1.50 percent. Sallie Mae Bank and Flagstar Bank top our list with the highest 12 month CD rates. The current 12 month bank CD rate is 1.54 percent with an annual percentage yield of 1.55 percent. Flagstar Bank's minimum opening CD account deposit is $500 and Sallie Mae Bank's minimum opening deposit is $1.     Read more...

    Best CD Rates in Paterson, New Jersey

    National average CD rates at banks and credit unions have headed lower again this week. There doesn't seem to be any relief from these very low CD rates. If the financial crisis in Europe drags on and stops the world economic recovery we might not see any increases in interest rates until 2011.Searching for the highest CD rates? Use our CD rate tables at CDRates.MonitorBankRates.com to find the best CD rates in your area. The current average 1 year CD rate is 0.88 percent. Five year national average CD rates are only 2.28 percent. You can find bank CD rates and credit union CD rates higher than the national averages.     Read more...

    Best CD Rates Brooklyn, New York

    best-cd-rates-brooklyn-new-yorkWe have put together a list of the best CD rates in Brooklyn, New York with certificate of deposit terms of 6 months, 12 months, 18 months and 24 months. One of the highest CD rates for a 6 month CD and possibly the best deal is First Century Bank's 6 month certificate of deposit. Their current bank CD rate is 1.74 percent with an annual percentage yield (APY) of 1.75 percent. The minimum opening deposit is $10,000.The best 12 month CD rates at banks is from Maspeth Federal S&L and Tennessee Commerce Bank. Both banks currently have a 12 month CD rate 0f 1.69% with an APY of 1.70%.  The minimum opening deposit at Maspeth Federal S&L is $1,500 and at Tennessee Commerce Bank the minimum is $2,500.Tennessee Commerce Bank also tops our list of the best 18 month CD rates and 24 month CD rates. The bank’s current 18 month CD rate is 1.78% with an APY of 1.80%. 24 month CD interest rates are currently at 2.08% with an APY of 2.10%.     Read more...

    Explore Other Rate Deals

    Mortgage rates are at record lows right now and CitiMortgage is offering a special promotion for closing on a purchase loan with the bank. CitiMortgage's Advantage provides customers with 0.75% of the loan amount (up to $22,500) as a credit that can be used to offset closing costs or discount points. This offer is available for purchase loans, not for refinance loans. Combine this offer with 30 year mortgage rates around 4.00% you can't go wrong buying a home right now.
    The national average for CD rates were down this week over last with the exception of 5 year CD rates moving up fractionally and 4 year CD rates which jumped higher. The current average 4 year CD rate is up to 2.068 percent from the previous week's average CD rate of 1.969 percent.
    The financial crisis and great recession almost a decade ago forced interest rates down to record lows. Over the past year, short term interest rates started to move higher. At the same time long term interest rates remain near historical lows. Why is this happening?

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