CD Rates New Jersey (NJ) for April 2026

$10K min NEW money

This special rate expires at end of business on February 28, 2026.

Early Withdrawal Penalty May Apply

Annual Percentage Yield (APY). The interest rate and APY are effective as of April 16, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Withdrawal penalties are as follows. For a 3-month term, the penalty is 30 days' interest. For a 6-month term, the penalty is 3 months' interest. For a term from 7-12 months, the penalty is 6 months' interest. For a term of 13 or more months, the penalty is 12 months' interest. Fees could reduce earnings on the account. Additional restrictions may apply.

Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.

$100,000 and above

No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.

APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE.

$50,000 Minimum

early withdrawal penalty rate is 30 days interest at prevailing rate

As low as

Early Withdrawal Penalty: 3 Months Interest

$100,000 Minimum to Earn APY

early withdrawal penalty rate is 30 days interest at prevailing rate

APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE.

Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.

A 90-day dividend penalty will be imposed for early withdrawal on Share Certificates. The penalty is calculated as a forfeiture of part of the dividends that have been earned on the account. If the account has not yet earned enough dividends, the penalty will be deducted from the principal. Fees may reduce earnings. Minimum balance required to open account is $2500.

$50,000 Minimum

Payment of Interest: Monthly or Quarterly

Early Withdrawal Penalty May Apply

$50,000 Minimum

Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.

No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.

Early Withdrawal Penalty: 6 Months Interest

Relationship APY

Compounded monthly

Payment of Interest: Monthly or Quarterly

($500.00 Minimum to open and obtain APY) (Fixed Rate)

Early Withdrawal Penalty May Apply

$100,000 and above

APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE.

$50,000 Minimum

early withdrawal penalty rate is 60 days interest at prevailing rate

Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.

No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.

Early Withdrawal Penalty: 6 Months Interest