Berlin, New Jersey CD Rates Today - Compare Best APYs for May 2026
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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 Berlin, New Jersey CD rates include TD BankTD Bank247 S White Horse Pike, Berlin, NJ 08009A5.0 ★Texas Ratio: 6.30%Real return: -1.80%APY minus CPI (February 2026) offering 3 Month at 1.00% APY, Visions Federal Credit UnionVisions Federal Credit UnionA+5.0 ★Texas Ratio: 4.43%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month Share Certificate at 4.50% APY, 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: 1.92%Real return: +1.26%APY minus CPI (February 2026) offering 12 Month CD at 4.06% APY, and XCEL Federal Credit UnionXCEL Federal Credit UnionA+5.0 ★Texas Ratio: 4.55%Real return: +1.25%APY minus CPI (February 2026) offering 12 Months Certificates / IRA Certificates at 4.05% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Berlin has 9 local institutions in our database, with CD rates as high as 1.00% APY from TD Bank at 247 S White Horse Pike, Berlin, NJ 08009. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader New Jersey area. 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 12, 2026
Compare Best CD Rates in Berlin, New Jersey & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
247 S White Horse Pike, Berlin, NJ 08009
3 Month
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
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 7, 2026
Details
Rate3.87%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
With Checking
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Certificate of Deposit 3 Month Term
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
3 Month Certificate of Deposit - Branch
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
New Accounts
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 5, 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 5, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Certificate of Deposit 3 Month Term
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 5, 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 5, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
3 Month Certificates/IRA Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Certificate of Deposit
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
3 Month Share Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
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.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 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 4, 2026
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
3 Month Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
3 month CD
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
3 month Share Certificates
$1,000
2.88%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Early Withdrawal Penalty May Apply
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 month
$50,000
2.75%
▼
Rate2.72%
Min Deposit$50,000
Min Balance—
UpdatedMay 6, 2026
Details
$50,000 Minimum
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
IRA Certificates 3 month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$50,000 Minimum
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 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 5, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 and above
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Under $100,000
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
IRA Certificates 3 month
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
$1,000 - $49,999
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 month Certificates
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
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 4, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Months Certificate
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedMay 6, 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: 18.76%
90 Day Certificate
$0
2.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 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 5, 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 4, 2026
Details
Rate1.48%
Min Deposit$0
Min Balance—
UpdatedMay 5, 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 6, 2026
Details
Penalties may apply for early withdrawals
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
3 Month Business Certificate Account
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
3 Month IRA Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
90 Day IRA Certificate
$0
0.99%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3 Month Share Certificates & IRAs
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3 Month Share Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3 Month IRA
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 4, 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 5, 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 4, 2026
Details
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
247 S White Horse Pike, Berlin, NJ 08009
6 Month
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Months Certificate
$500
4.02%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Dividends on 3 and 6 month certificates are paid at maturity.
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
IRA Certificate of Deposit 6 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
6 Month Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
6 Month Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
6 Month Share Certificates / Share Certificate IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.78%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
6 Months Certificate
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
6 Month Certificates of Deposit
$1,000
3.75%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 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 5, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
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 5, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
New Accounts
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 4, 2026
Details
Online Only
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
6 Month Certificates/IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
6-Month Share Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Traditional SC 6 Mo.
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
SC 6 Mo.
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
6 Month Certificate of Deposit - Branch
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Certificate of Deposit 6 Month Term
$500
3.65%
▼
Rate3.62%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
FNB of Elmer
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Certificates of Deposit 6 Month PROMO
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$10K min NEW money
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money Certificate of Deposit (CD) 6 months
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 6 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
6 month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6 month share certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Online Certificate of Deposit 6 months
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 6 Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6 Months Certificates of Deposit
$500
3.35%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6 month Share Certificates
$1,000
3.19%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Early Withdrawal Penalty May Apply
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 6, 2026
Details
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 6, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
6 Month CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
6 Month CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 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 5, 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 4, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Months Certificates / IRA Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 6 month
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 and above
Atlantic City Electric Co Emp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
6 Months Share Certificate & IRA Certificates
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Riegel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
Term Share Account (6 Months)
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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.
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
6 Month Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
247 S White Horse Pike, Berlin, NJ 08009
12 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
247 S White Horse Pike, Berlin, NJ 08009
12 Month
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
12-Month Share Certificate
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Exclusive new money offer!
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
12 Month CD
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
12 Month Share Certificates / Share Certificate IRA
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Months Certificates / IRA Certificates
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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 5, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1 Year Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
12 Month (IRA Certificate) Certificates/IRA Certificates
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
12 Month Certificate (IRA Only)
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
12 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Limited time offer. Only available in our branches.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
12 month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
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 6, 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 6, 2026
Details
First Bank (NJ)
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
12 Month Certificate of Deposit
$2,500
3.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
$2,500 to open and earn
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
1 Year Certificate and IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1 year CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
IRA Certificate of Deposit 12 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Over $50,000
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.91%
12-Months Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
AXIS 12 MONTH CD SPECIAL
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
with Blue Axis Checking? & Direct Deposit
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
1 Year Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
12 Months Platinum Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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 5, 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 5, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
IRA 1 year - Fixed rate
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 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 5, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
12 month IRA Certificate
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
12 month share certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
IRA Certificate of Deposit 12 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
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 5, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 12-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 12-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
1-Year Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1 Year Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
ABCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
12-Month Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
As low as
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 12 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Traditional, Educational, and Roth IRA Share Certificates 12-month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
12-month Fixed Rate Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
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 5, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money Certificate of Deposit (CD) 12 months
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Certificate of Deposit 1 Year Term
$500
3.55%
▼
Rate3.52%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 5, 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 5, 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 5, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
12 Months IRA Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
12 Month - Online Only
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Online Only
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
247 S White Horse Pike, Berlin, NJ 08009
18 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Months Certificates / IRA Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
New Deposits Only
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
18 Month (Legacy Club) Certificates/IRA Certificates
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
18 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 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 5, 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 5, 2026
Details
First Bank (NJ)
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
18 Month Certificate of Deposit
$2,500
3.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
$2,500 to open and earn
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 3, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 month CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 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 4, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
18 month share certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
18 month IRA Certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 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 4, 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 4, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
18 Months Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate3.54%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 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 5, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
18 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 4, 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 5, 2026
Details
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
new money only^
Rate3.30%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
18 Month IRA
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
18 Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
18 Month Share Certificates & IRAs
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.34%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Haddon Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
18 Months Certificates of Deposit
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
New Accounts
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 Month Certificates of Deposit
$25,000
3.17%
▼
Rate3.15%
Min Deposit$25,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
existing funds
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 Month Certificates of Deposit
$10,000
3.06%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 month Share Certificates
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Early Withdrawal Penalty May Apply
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 Month Certificates of Deposit
$1,000
3.01%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
IRA Certificates 18 month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$50,000 Minimum
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 month
$50,000
3.00%
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedMay 6, 2026
Details
$50,000 Minimum
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
IRA Certificates 18 month
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
$1,000 - $49,999
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 month Certificates
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rates and Terms shown are for CDs opened or renewed online only. Minimum to open is $1,000.; Online Only
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
18 Month CD
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 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 5, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate2.47%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
247 S White Horse Pike, Berlin, NJ 08009
24 Month
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2 Year Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
24 Month Share Certificates / Share Certificate IRA
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
24 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
2 year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2 year CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Haddon Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
2 Years Certificates of Deposit
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 5, 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 4, 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 4, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
IRA 2 years - Fixed rate add on
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 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 5, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Roth or Traditional SC 24 Mo.
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 Years Certificate
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
SC 24 Mo.
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
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 5, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 24-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 24-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
24 month IRA Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
24 month share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
24-month Fixed Rate Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Raise Your Rate Share Certificate 24-month
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Traditional, Educational, and Roth IRA Share Certificates 24-month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money Certificate of Deposit (CD) 24 months
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Months Certificates / IRA Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
2 Years Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 24 Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
24 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
AXIS 24 MONTH CD SPECIAL
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
with Blue Axis Checking? & Direct Deposit
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 5, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Online Certificate of Deposit 24 months
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
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 4, 2026
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
24 Month IRA CD
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 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 4, 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 4, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 24 Month
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
IRA Certificate of Deposit 2 Year
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Over $50,000
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2 Years Certificate and IRA Certificates
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 6, 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 5, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
New Accounts
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 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 4, 2026
Details
Online Only
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
IRA Certificate of Deposit 2 Year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
24 Month IRA
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
24 Month Share Certificate
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
247 S White Horse Pike, Berlin, NJ 08009
3 Year
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
247 S White Horse Pike, Berlin, NJ 08009
3 Year Certificate
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Year Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
36 Month Share Certificates / Share Certificate IRA
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
36 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
3 year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 year CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Years Certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 36-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 36-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
36 month IRA Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
36 month share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Traditional, Educational, and Roth IRA Share Certificates 36-month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
AXIS 36 MONTH CD SPECIAL
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
with Blue Axis Checking? & Direct Deposit
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Raise Your Rate Share Certificate 36-Month
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
36-month Fixed Rate Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Roth or Traditional SC 36 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
SC 36 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
3 Year CD / IRA
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
new money only^
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
36 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Atlantic Health Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
36 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
3 Years Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
3 Years Certificate PLU$
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
36 Months Certificates / IRA Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Months IRA Share Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
New Accounts
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 5, 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 5, 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 5, 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 4, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 month Share Certificates
$1,000
3.19%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Early Withdrawal Penalty May Apply
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 and above
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
36 months Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
IRA & Education 36 months
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Years Certificate and IRA Certificates
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate2.96%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
IRA & Education 36 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
36 months Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
36 Month Share Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
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.
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
IRA Certificates 3 year
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$50,000 Minimum
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 year
$50,000
3.00%
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedMay 6, 2026
Details
$50,000 Minimum
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 years
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Under $100,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
4 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
4 Year Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
48 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4 year CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
4 year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
48 Month Certificate of Deposit - Branch
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 48-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 48-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
48 month IRA Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
48 month share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Traditional, Educational, and Roth IRA Share Certificates 48-month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
48-month Fixed Rate Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Raise Your Rate Share Certificate 48-Month
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Roth or Traditional SC 48 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
SC 48 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
4 Years Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
4 Years Certificate PLU$
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
48 Months Certificates / IRA Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
48 Month Share Certificates / Share Certificate IRA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 month Share Certificates
$1,000
3.24%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 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 5, 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 5, 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 5, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 4 years
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 and above
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
48 months Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
IRA & Education 48 months
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
48 months Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
IRA & Education 48 months
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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 4, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
4 Year Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
4 year
$50,000
3.00%
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedMay 6, 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 5, 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 5, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
IRA Certificates 4 year
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$50,000 Minimum
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 4 years
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Under $100,000
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
48 Month Share Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
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.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificates & IRAs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month Share Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
48 Month IRA
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
4 year Certificates
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
IRA Certificates 4 year
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
$1,000 - $49,999
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Haddon Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
4 Years Certificates of Deposit
$500
2.70%
▼
Rate2.67%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
247 S White Horse Pike, Berlin, NJ 08009
5 Year
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
5 Year Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
5 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5 Years Certificate
$500
3.92%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
5 year CD
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
60 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
5 year CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
5 Year IRA Certificate of Deposit
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
5 Years IRA Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 60-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 60-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
60 month share certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
60 month IRA Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
60-month Fixed Rate Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Traditional, Educational, and Roth IRA Share Certificates 60-month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Roth or Traditional SC 60 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
SC 60 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 7, 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 5, 2026
Details
Rate3.45%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Certificate Accounts & IRAs with a Balance of and over 60 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
$100,000
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
5 Years Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
5 Years Certificate PLU$
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Months Certificates / IRA Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
60 Month Share Certificates / Share Certificate IRA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
1st Bergen Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
5 Year Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 month Share Certificates
$1,000
3.29%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Early Withdrawal Penalty May Apply
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 5, 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 5, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
New Accounts
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Certificate Accounts & IRAs 60 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Certificate Accounts & IRAs with a Balance of 60 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
$75,000 - $99,999.99
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
5 Year Certificate
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
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 5, 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 5, 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 5, 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 5, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 5 years
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 and above
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
60 months Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
IRA & Education 60 months
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
60 months Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
IRA & Education 60 months
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 5 years
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Under $100,000
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Certificate Accounts & IRAs with a Balance of 60 Months
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
$500 -$24,999.99
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Powered by
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 Berlin, 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 currently available to Berlin depositors is 1.00% APY from TD Bank. The rate table above ranks every offer we track for this market, 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.
Berlin, NJ CD Rate Trends
Compare local Berlin, 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
1.703%
▲ 0.026 vs 7 days ago
New Jersey 12-month CD rates rose 0.026 points over the past 7 days to 1.703% APY.
6-Month CD — NJ Avg
1.288%
▼ 0.010 vs 7 days ago
New Jersey 6-month CD rates fell 0.010 points over the past 7 days to 1.288% APY.
As of May 12, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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
1.703%
6-Month Forecast
1.703%
Range: 1.50% – 1.85%
12-Month Forecast
1.453%
Range: 1.25% – 1.60%
Powered by
MonitorBankRates
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 | 1.093% | $54.66 | $109.32 | $273.30 | $546.60 |
| 6-Month CD | 1.288% | $64.40 | $128.79 | $321.98 | $643.95 |
| 12-Month CD | 1.703% | $85.15 | $170.30 | $425.75 | $851.50 |
| 18-Month CD | 1.677% | $83.87 | $167.73 | $419.33 | $838.65 |
| 24-Month CD | 1.873% | $93.63 | $187.25 | $468.13 | $936.25 |
| 36-Month CD | 1.694% | $84.71 | $169.41 | $423.53 | $847.05 |
| 48-Month CD | 1.972% | $98.61 | $197.22 | $493.05 | $986.10 |
| 60-Month CD | 1.722% | $86.09 | $172.17 | $430.43 | $860.85 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for Berlin, 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 | 1.093% | $54.66 |
| 2 | 6-Month CD | $5,000 | 1.288% | $64.40 |
| 3 | 12-Month CD | $5,000 | 1.703% | $85.15 |
| 4 | 24-Month CD | $5,000 | 1.873% | $93.63 |
| 5 | 36-Month CD | $5,000 | 1.694% | $84.71 |
| Total ($25,000 invested) | $25,000 | 1.530% blended | $382.55/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.
705
CD Rates
Tracked in Berlin, New Jersey
Tracked in Berlin, New Jersey
43 Banks
44 Credit Unions
About Our Berlin, New Jersey CD Rate Database
MonitorBankRates tracks 705 CD rates from 43 banks and 44 credit unions with locations in Berlin, 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: TD Bank offers a CD at 1.00% APY with a minimum deposit of $250. Use the rate table above to compare all current offers in Berlin, New Jersey.
How to Find the Best CD Rates in Berlin, New Jersey
What to compare when shopping for a CD in Berlin, New Jersey
To find the best APYs in Berlin, New Jersey, start with credit unions and online-only banks — Berlin, New Jersey has 44 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 Berlin, 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 Berlin, New Jersey — 87 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Berlin, New Jersey savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Berlin, New Jersey money market rates
Berlin, New Jersey Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
14.4%
National avg: 17.3%
Median Individual Earnings
$57,079
National avg: $47,340
Poverty Rate
8.4%
National avg: 11.1%
Unemployment Rate
2.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$97/yr
At NJ 12-mo avg 1.703% APY
14.4% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 2.1% reflects a strong local economy. At today’s NJ 12-month CD average of 1.703%, saving 10% of the local median salary ($5,707/year) and putting it in a CD would earn an additional $97 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 Berlin, 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 Berlin, New Jersey
Are CD rates in Berlin, New Jersey FDIC insured?
Yes, most established banks in Berlin, 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 Berlin, 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 Berlin, 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 Berlin, 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 Berlin, New Jersey?
Here are recent top rates found for this area:
- TD Bank: 1.00% APY (3 Month)
- Visions Federal Credit Union: 4.50% APY (12-Month Share Certificate)
- Nova UA Federal Credit Union: 4.12% APY (3 Month Share Certificate Special)
- Healthcare Employees Federal Credit Union: 4.06% APY (12 Month CD)
- XCEL Federal Credit Union: 4.05% APY (12 Months Certificates / IRA Certificates)
- Self Reliance NY Federal Credit Union: 4.02% APY (6 Months Certificate)
- Copper State Credit Union: 4.00% APY (2 Year Business Certificate)
- Manasquan Bank: 4.00% APY (2 YEARS Certificate)
- Family First Credit Union: 4.00% APY (IRA Certificate of Deposit 6 Month)
- Blue Foundry Bank: 4.00% APY (12 MONTH CELEBRATION CD)
Rates reflect recent verified offers available in Berlin, New Jersey. Last Updated: May 12, 2026
CD Calculators for Berlin, New Jersey
Berlin, New Jersey CD Calculator
At today’s NJ top rate of 1.00% APY, a $10,000 deposit earns $100 in the first year. Enter your amount to see your exact return.
Berlin, New Jersey CD LadderNJ CD rates currently range from 1.093% (3-month) to 1.694% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Berlin, New Jersey CD at 1.00% 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 1.703% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Berlin, 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 pulling data straight 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 Berlin, 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 12, 2026
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