Berkeley, New Jersey CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The 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.
Current Berkeley, New Jersey CD rates include Nova UA Federal Credit UnionNova UA Federal Credit UnionA+5.0 ★Texas Ratio: 0.88%Real return: +1.32%APY minus CPI (February 2026) offering 3 Month Share Certificate Special at 4.12% APY, Healthcare Employees Federal Credit UnionHealthcare Employees Federal Credit UnionA+5.0 ★Texas Ratio: 1.88%Real return: +1.26%APY minus CPI (February 2026) offering 12 Month Share Certificates / Share Certificate IRA2 at 4.06% APY, Self Reliance NY Federal Credit UnionSelf Reliance NY Federal Credit UnionA+5.0 ★Texas Ratio: 2.08%Real return: +1.22%APY minus CPI (February 2026) offering 6 Months Certificate at 4.02% APY, Copper State Credit UnionCopper State Credit UnionA5.0 ★Texas Ratio: 6.92%Real return: +1.20%APY minus CPI (February 2026) offering Business 4 Year Certificate at 4.00% APY, and Family First Credit UnionFamily First Credit UnionA5.0 ★Texas Ratio: 9.96%Real return: +1.20%APY minus CPI (February 2026) offering IRA Certificate of Deposit 6 Month at 4.00% APY. CD rates as of May 23, 2026 according to verified data from MonitorBankRates.
Berkeley is a smaller community with no bank or credit union branches currently in our database. 742 institutions serving the New Jersey area are available to Berkeley residents, with CD rates as high as 4.12% APY from Nova UA Federal Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 23, 2026
Compare Best CD Rates in Berkeley, New Jersey & the Surrounding Area
Berkeley 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3 Month Share Certificate Special
$0
4.12%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
3 Month Certificate of Deposit - Branch
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Certificate of Deposit 3 Month Term
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 3 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New Accounts 3 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
3 Month Certificate of Deposit
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
3 Month Certificates/IRA Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
Share Certificate 3 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Annual Percentage Yield (APY). The interest rate and APY are effective as of May 21, 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. Fees could reduce earnings on the account. Additional restrictions may apply.
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
3 Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
3 month CD
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
3 month Share Certificates
$1,000
2.88%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Early Withdrawal Penalty May Apply
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Rates and Terms shown are for CDs opened or renewed online only. Minimum to open is $1,000.; Online Only
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
3 month
$50,000
2.75%
▼
Rate2.72%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
$50,000 Minimum
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 and above
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Under $100,000
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
3 Months Certificates of Deposit
$500
2.30%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Princeton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3 Months Share Certificate
$0
2.30%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
3 Months Certificate
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Dividends on 3 and 6 month certificates are paid at maturity.
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.43%
90 Day Certificate
$0
2.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3 Month Certificate of Deposit
$500
1.75%
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Cornerstone Bank Moorestown, NJ
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Month Certificate of Deposit
$500
1.75%
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
3 Months Share Certificate
$0
1.75%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate1.48%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month Certificate
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Penalties may apply for early withdrawals
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
3 Month Business Certificate Account
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
3 Month IRA Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3-Month Certificates of Deposit
$0
1.00%
▼
Rate0.98%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.43%
90 Day IRA Certificate
$0
0.99%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month IRA
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
3 Month Share Certificates & IRAs
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3 Month CD
$2,500
0.75%
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 17, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 3-Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Berkeley 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6 Months Certificate
$500
4.02%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Dividends on 3 and 6 month certificates are paid at maturity.
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
6 Month Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
Business 6 Month Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
IRA Certificate of Deposit 6 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
6 Month Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6 Month Share Certificates / Share Certificate IRA2
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.78%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
6-Month CD Special
$5,000
3.85%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
6 Months Certificate
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 6 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
6 Month Certificates/IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New Accounts 6 Months IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6 Month - Online Only
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Online Only
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Certificate of Deposit 6 Month Term
$500
3.75%
▼
Rate3.72%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6 Month CD
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Online Only
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
6 month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
6-Month Share Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
IRA Traditional SC 6 Mo.
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Early withdrawal penalties may apply. The early withdrawal penalty for all terms is 90 days' dividends.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
SC 6 Mo.
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Early withdrawal penalties may apply. The early withdrawal penalty for all terms is 90 days' dividends.
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
6 Month Certificate of Deposit - Branch
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
6 MONTH Certificates of Deposit
$25,000
3.60%
▼
Rate3.60%
Min Deposit$25,000
Min Balance—
UpdatedMay 20, 2026
Details
FNB of Elmer
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
6 Month PROMO Certificates of Deposit
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$10K min NEW money
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
6 MONTH Certificates of Deposit
$10,000
3.55%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
6 month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
6 month share certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
6 MONTH Certificates of Deposit
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit 6 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
6 Months Share Certificate
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
6 month Share Certificates
$1,000
3.19%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Early Withdrawal Penalty May Apply
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6 month Certificate
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6 month IRA Certificate
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6 Months Certificates of Deposit
$500
3.10%
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Rates and Terms shown are for CDs opened or renewed online only. Minimum to open is $1,000.; Online Only
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6-Month CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Annual Percentage Yield (APY). The interest rate and APY are effective as of May 21, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Withdrawal penalties are as follows. For a 6-month term, the penalty is 3 months' interest. Fees could reduce earnings on the account. Additional restrictions may apply.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
6 Months Certificates / IRA Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
6 Month CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional IRA / Roth IRA Share Certificates 6 month
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 and above
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 Months Share Certificate & IRA Certificates
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
Term Share Account (6 Months)
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
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.
Berkeley 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12 Month Share Certificates / Share Certificate IRA2
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
12 MONTH CELEBRATION CD
$1,000
4.00%
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
12-Month Celebration CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
Business 1 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
12 Month (IRA Certificate) Certificates/IRA Certificates
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
12 Month Certificate (IRA Only)
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
12 Month IRA Certificate
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Jumbo Promo Certificate
$100,000
3.90%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
12 Month Certificate
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
12 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Limited time offer. Only available in our branches.
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
12 month Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
12 month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Fixed Rate Share Certificates 12-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 12-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Jumbo Promo Certificate
$100
3.75%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Promo Certificate
$100
3.75%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Promotional Certificate1(Business) Jumbo
$100,000
3.75%
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Promotional Certificate1(Personal) Regular
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1 Year Certificate and IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
12 month IRA Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
12-Months Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
IRA Certificate of Deposit 12 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Over $50,000
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
12-month Fixed Rate Share Certificates
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Traditional, Educational, and Roth IRA Share Certificates 12-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
1 year CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
1 Year Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
12 Months Platinum Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1 year - Fixed rate IRA
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Certificate of Deposit 1 Year Term
$500
3.65%
▼
Rate3.62%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 12 Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12 month IRA Certificate
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12 month share certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
1-Year Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
IRA Certificate of Deposit 12 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Only available to existing Premier customers.
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
IRA 1 year - Fixed rate
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit 12 Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
1 Year Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
ABCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
12-Month Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
As Low As
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
1-Year Certificates of Deposit (CDs)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Early Withdrawal Penalty: 3 Months Interest
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
12-Month Certificate/IRA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Education - 12-Month IRA Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Regular/Roth - 12-Month IRA Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Berkeley 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
18 Month (Legacy Club) Certificates/IRA Certificates
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
18 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
IRA 18 MONTHS MARKET PACER
$25
3.80%
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedMay 21, 2026
Details
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
IRA 18 MONTHS STEADY EARNER
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
18 month CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
First Bank (NJ)
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
12 or 18 Month Certificate of Deposit
$2,500
3.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Malvern Bank Paoli, PA
Institution Rating:
A+5.0 ★
12 or 18 Month Certificate of Deposit
$2,500
3.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
$2,500 to open and earn
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
18 Months Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA 18 Months Fixed Rate
$500
3.66%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA 18 Month Variable Rate
$500
3.66%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
18 Months Certificates of Deposit
$500
3.66%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
18 month share certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
18 month IRA Certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
18 Months Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.54%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
18 Month Certificate of Deposit - Branch
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Certificate of Deposit 1.5 Year Term
$500
3.50%
▼
Rate3.47%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 18 Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
18 Month CD (new money only^)
$500
3.45%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month IRA
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Share Certificates & IRAs
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.34%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.30%
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Haddon Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
Certificates of Deposit 18 Months
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Payment of Interest: Monthly or Quarterly
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New Accounts 18 Months IRA
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18-Month Certificates of Deposit
$0
3.25%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
Regular Term Share Certificates (18-months)
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 MONTH Certificates of Deposit
$25,000
3.17%
▼
Rate3.15%
Min Deposit$25,000
Min Balance—
UpdatedMay 20, 2026
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
18 Month CD (existing funds)
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 MONTH Certificates of Deposit
$10,000
3.06%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedMay 20, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
18 month Share Certificates
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Early Withdrawal Penalty May Apply
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 MONTH Certificates of Deposit
$1,000
3.01%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
18 month
$50,000
3.00%
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
$50,000 Minimum
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
18 Month CD
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month CD
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
18-month CDs (Certificates of Deposit)
$2,500
2.50%
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Rates and Terms shown are for CDs opened or renewed online only. Minimum to open is $1,000.; Online Only
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
18 Months Share Certificate & IRA Certificates
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 months
$0
2.30%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Berkeley 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
Business 2 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
24 Month Share Certificates / Share Certificate IRA2
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
24 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Haddon Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
Certificates of Deposit 2 Years
$500
3.80%
▼
Rate3.74%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Payment of Interest: Monthly or Quarterly
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
2 year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
2 year CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Fixed Rate Share Certificates 24-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 24-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Traditional, Educational, and Roth IRA Share Certificates 24-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
24-month Fixed Rate Share Certificates
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Raise Your Rate Share Certificate 24-month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
24 Months Certificates of Deposit
$500
3.66%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA 24 Months Fixed Rate
$500
3.66%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit 24 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
2 years - Fixed rate add on IRA
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2 Years Certificate
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
IRA Roth or Traditional SC 24 Mo.
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Early withdrawal penalties may apply. The early withdrawal penalty for all terms is 90 days' dividends.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
SC 24 Mo.
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Early withdrawal penalties may apply. The early withdrawal penalty for all terms is 90 days' dividends.
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
IRA 2 years - Fixed rate add on
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
24 month share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
24 month IRA Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
24 Month Certificate of Deposit - Branch
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
24 Months Certificates / IRA Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
2 Years Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
24-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
24 Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
24 Month IRA CD
$1,000
3.40%
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
24 Month IRA CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
24 Month Special CD
$1,000
3.40%
▼
Rate3.34%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Certificate of Deposit 2 Year Term
$500
3.40%
▼
Rate3.37%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
IRA Certificate of Deposit 2 Year
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Over $50,000
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
24-Month Certificates of Deposit
$0
3.30%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2 Years Certificate and IRA Certificates
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
24 Month - Online Only
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Online Only
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 2 Year Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New Accounts 24 Months IRA
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.96%
IRA Certificate of Deposit 2 Year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month IRA
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Share Certificate
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Share Certificates & IRAs
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
24 month Share Certificates
$1,000
3.08%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Early Withdrawal Penalty May Apply
Berkeley 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
Business 3 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
36 Month Share Certificates / Share Certificate IRA2
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
36 Month Certificate
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
36 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 36-Month Variable
$100,000
3.79%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Fixed Rate Share Certificates 36-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 36-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
3 year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
3 year CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
36-month Fixed Rate Share Certificates
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Raise Your Rate Share Certificate 36-Month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Traditional, Educational, and Roth IRA Share Certificates 36-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
3 Years Certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
36 month IRA Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
36 month share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
IRA Roth or Traditional SC 36 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Early withdrawal penalties may apply. The early withdrawal penalty for all terms is 90 days' dividends.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
SC 36 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Early withdrawal penalties may apply. The early withdrawal penalty for all terms is 90 days' dividends.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
36 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 36-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
36 Month Certificate of Deposit - Branch
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
3 Year CD / IRA (new money only^)
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
3 Years Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
3 Years Certificate PLU$
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
36-Month Certificates of Deposit
$0
3.40%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
36 Months Certificates / IRA Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
36 Months IRA Share Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New Accounts 36 Months IRA
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Certificate of Deposit 3 Year Term
$500
3.20%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
IRA 3 years - Fixed rate
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
3 years - Fixed rate IRA
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Promotional Certificate of Deposit 36-Month Bump Up
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
36 month Share Certificates
$1,000
3.19%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Early Withdrawal Penalty May Apply
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional IRA / Roth IRA Share Certificates 3 years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 and above
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 months
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 months Certificate
$25,000
3.05%
▼
Rate3.01%
Min Deposit$25,000
Min Balance—
UpdatedMay 22, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
3 Years Certificate and IRA Certificates
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
3 Years Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 months Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
36 Month Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
Share Certificate 36 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
36-month CDs (Certificates of Deposit)
$2,500
3.00%
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Berkeley 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
4 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
4 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
Business 4 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
48 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
4 year CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
4 year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Fixed Rate Share Certificates 48-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 48-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
48-month Fixed Rate Share Certificates
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Raise Your Rate Share Certificate 48-Month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Traditional, Educational, and Roth IRA Share Certificates 48-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
48 Month Certificate of Deposit - Branch
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
48 month IRA Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
48 month share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
IRA Roth or Traditional SC 48 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Early withdrawal penalties may apply. The early withdrawal penalty for all terms is 90 days' dividends.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
SC 48 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Early withdrawal penalties may apply. The early withdrawal penalty for all terms is 90 days' dividends.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
48-Month Certificates of Deposit
$0
3.50%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
4 Years Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
4 Years Certificate PLU$
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
48 Months Certificates / IRA Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
48 Month Share Certificates / Share Certificate IRA2
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
48-month CDs (Certificates of Deposit)
$2,500
3.25%
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
48 month Share Certificates
$1,000
3.24%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Early Withdrawal Penalty May Apply
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
4 years - Fixed rate IRA
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Certificate of Deposit 4 Year Term
$500
3.20%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
IRA 4 years - Fixed rate
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional IRA / Roth IRA Share Certificates 4 years
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 and above
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 months
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 months Certificate
$25,000
3.15%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedMay 22, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 months
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 months Certificate
$1,000
3.10%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.43%
4 Year Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
4 year
$50,000
3.00%
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
$50,000 Minimum
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
48 Month Term CDs
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
48 Month Terms CDs
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional IRA / Roth IRA Share Certificates 4 years
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Under $100,000
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
48 Month Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
Share Certificate 48 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
4 Years Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificates & IRAs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Share Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month IRA
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA Certificates (CDs) 48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Berkeley 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
5 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
5 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
Business 5 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
5 Years Certificate
$500
3.92%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
5 year CD
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
60 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
5 year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Fixed Rate Share Certificates 60-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 60-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
60-month Fixed Rate Share Certificates
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Traditional, Educational, and Roth IRA Share Certificates 60-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
5 Year IRA Certificate of Deposit
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
5 Years IRA Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
60-Month Certificates of Deposit
$0
3.60%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
60 month IRA Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
60 month share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
IRA Roth or Traditional SC 60 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Early withdrawal penalties may apply. The early withdrawal penalty for all terms is 90 days' dividends.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
SC 60 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Early withdrawal penalties may apply. The early withdrawal penalty for all terms is 90 days' dividends.
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
60-month CDs (Certificates of Deposit)
$2,500
3.50%
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
60-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Certificate Accounts & IRAs 60 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
5 Years Certificate PLU$
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 24.33%
5 Years Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
60 Months Certificates / IRA Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
60 Month Share Certificates / Share Certificate IRA2
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
60 month Share Certificates
$1,000
3.29%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Early Withdrawal Penalty May Apply
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5 Year Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
60 Month Term CDs
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
60 Month Terms CDs
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New Accounts 60 Months IRA
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Certificate Accounts & IRAs with a Balance of 60 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$25,000 - $49,999.99
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.43%
5 Year Certificate
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional IRA / Roth IRA Share Certificates 5 years
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 and above
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
IRA 5 years thru 10 years - Fixed rate
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Certificate of Deposit 5 years thru 10 years
$500
3.20%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Certificate of Deposit 2.5 Year Term
$500
3.20%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
5 years thru 10 years - Fixed rate IRA
$0
3.20%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 months
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 months Certificate
$25,000
3.15%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedMay 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 months
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 months Certificate
$1,000
3.10%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional IRA / Roth IRA Share Certificates 5 years
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Under $100,000
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
5 Years Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Certificate Accounts & IRAs with a Balance of 60 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$500 -$24,999.99
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
Share Certificate 60 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
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MonitorBankRates
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 Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Berkeley, New Jersey at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY available to Berkeley residents from institutions serving the New Jersey area is 4.12% APY from Nova UA Federal Credit Union. The rate table above ranks every offer we track, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Berkeley, NJ CD Rate Trends
Compare local Berkeley, NJ CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — NJ Avg
1.935%
▲ 0.204 vs 7 days ago
New Jersey 12-month CD rates rose 0.204 points over the past 7 days to 1.935% APY.
6-Month CD — NJ Avg
1.959%
▲ 0.236 vs 7 days ago
New Jersey 6-month CD rates rose 0.236 points over the past 7 days to 1.959% APY.
As of May 24, 2026 • Rate data sourced from 8,500+ monitored institutions
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NJ CD Rate Forecast — Next 12 Months
Where are New Jersey CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NJ 12-Month Avg APY
1.935%
6-Month Forecast
1.935%
Range: 1.74% – 2.09%
12-Month Forecast
1.685%
Range: 1.49% – 1.84%
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What Your Savings Earn at NJ CD Rates Today
Annual interest earnings at today’s New Jersey average APYs. State average used where available; national average as fallback.
| CD Term | NJ Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.921% | $96.06 | $192.12 | $480.30 | $960.60 |
| 6-Month CD | 1.959% | $97.96 | $195.91 | $489.78 | $979.55 |
| 12-Month CD | 1.935% | $96.77 | $193.54 | $483.85 | $967.70 |
| 18-Month CD | 1.677% | $83.84 | $167.67 | $419.18 | $838.35 |
| 24-Month CD | 1.858% | $92.89 | $185.77 | $464.43 | $928.85 |
| 36-Month CD | 1.995% | $99.77 | $199.53 | $498.83 | $997.65 |
| 48-Month CD | 2.008% | $100.40 | $200.79 | $501.98 | $1,003.95 |
| 60-Month CD | 1.598% | $79.89 | $159.78 | $399.45 | $798.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 23, 2026. | |||||
Sample CD Ladder for Berkeley, New Jersey Savers
$25,000 split equally across 5 terms using today’s New Jersey average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NJ Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.921% | $96.06 |
| 2 | 6-Month CD | $5,000 | 1.959% | $97.96 |
| 3 | 12-Month CD | $5,000 | 1.935% | $96.77 |
| 4 | 24-Month CD | $5,000 | 1.858% | $92.89 |
| 5 | 36-Month CD | $5,000 | 1.995% | $99.77 |
| Total ($25,000 invested) | $25,000 | 1.934% blended | $483.45/yr | |
Ladder example uses equal $5,000 rungs and New Jersey average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
717
CD Rates
Tracked in Berkeley, New Jersey
Tracked in Berkeley, New Jersey
47 Banks
46 Credit Unions
About Our Berkeley, New Jersey CD Rate Database
MonitorBankRates tracks 717 CD rates from 47 banks and 46 credit unions with locations in Berkeley, New Jersey, plus national online institutions available to New Jersey residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Nova UA Federal Credit Union offers a CD at 4.12% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Berkeley, New Jersey.
How to Find the Best CD Rates in Berkeley, New Jersey
What to compare when shopping for a CD in Berkeley, New Jersey
To find the best APYs in Berkeley, New Jersey, start with credit unions and online-only banks — Berkeley, New Jersey has 46 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Berkeley, New Jersey
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Berkeley, New Jersey — 93 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Berkeley, New Jersey savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Berkeley, New Jersey money market rates
New Jersey Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
17.2%
National avg: 17.3%
Median Individual Earnings
$55,173
National avg: $47,340
Poverty Rate
9.7%
National avg: 11.1%
Unemployment Rate
6.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$107/yr
At NJ 12-mo avg 1.935% APY
17.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s NJ 12-month CD average of 1.935%, saving 10% of the local median salary ($5,517/year) and putting it in a CD would earn an additional $107 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Berkeley, New Jersey
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Berkeley, New Jersey
Are CD rates in Berkeley, New Jersey FDIC insured?
Yes, most established banks in Berkeley, New Jersey are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Berkeley, New Jersey?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Berkeley, New Jersey.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Berkeley, New Jersey may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Berkeley, New Jersey?
Here are recent top rates found for this area:
- Nova UA Federal Credit Union: 4.12% APY (3 Month Share Certificate Special)
- Healthcare Employees Federal Credit Union: 4.06% APY (12 Month Share Certificates / Share Certificate IRA2)
- Self Reliance NY Federal Credit Union: 4.02% APY (6 Months Certificate)
- Copper State Credit Union: 4.00% APY (6 Month Business Certificate)
- Blue Foundry Bank: 4.00% APY (12 MONTH CELEBRATION CD)
- Manasquan Bank: 4.00% APY (2 YEARS)
- Family First Credit Union: 4.00% APY (IRA Certificate of Deposit 6 Month)
- American Heritage Federal Credit Union: 3.91% APY (12 Month (IRA Certificate) Certificates/IRA Certificates)
- Capital One Bank: 3.90% APY (12 Months)
- Kinecta Federal Credit Union: 3.90% APY (12-Month Jumbo Promo Certificate)
Rates reflect recent verified offers available in Berkeley, New Jersey. Last Updated: May 23, 2026
CD Calculators for Berkeley, New Jersey
Berkeley, New Jersey CD Calculator
At today’s NJ top rate of 4.13% APY, a $10,000 deposit earns $413 in the first year. Enter your amount to see your exact return.
Berkeley, New Jersey CD LadderNJ CD rates currently range from 1.921% (3-month) to 1.995% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Berkeley, New Jersey CD at 4.13% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew Jersey’s average 12-month CD is 1.935% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Berkeley, New Jersey CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Berkeley, 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. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate 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 Berkeley, New Jersey. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NJ.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: May 23, 2026
Berkeley, New Jersey Rates & Resources
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