CD Rates Closter, New Jersey (NJ) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Closter, New Jersey CD rates include Woori America BankWoori America Bank234 Closter Dock Rd, Closter, NJ 07624A+5.0 ★Texas Ratio: 0.51% offering WooriWON 3-month CD at 4.00% APY, First Commerce Bank (NJ)First Commerce Bank (NJ)530 Piermont Rd, Closter, NJ 07624A5.0 ★Texas Ratio: 9.51% offering 24 Month CD at 3.25% APY, Wells FargoWells Fargo617 Piermont Rd, Closter, NJ 07624A5.0 ★Texas Ratio: 7.44% offering 1 year Standard Fixed Rate CD at 1.51% APY, Ion BankIon Bank175 Homans Ave, Closter, NJ 07624A5.0 ★Texas Ratio: 10.95% offering 12 Month Certificate at 1.00% APY, and NVE BankNVE Bank175 Homans Ave, Closter, NJ 07624A5.0 ★Texas Ratio: 11.31% offering IRA Accounts 6 Month Certificate at 1.00% APY. CD rates as of March 29, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Closter, New Jersey, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 29, 2026
Compare Best CD Rates in Closter, New Jersey & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
234 Closter Dock Rd, Closter, NJ 07624
WooriWON 3-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
This APY applies to only WooriWON 3-month CD product which is only available online.; Online Only
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
175 Homans Ave, Closter, NJ 07624
3 Month Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
617 Piermont Rd, Closter, NJ 07624
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
851 Allwood Rd, Clifton, NJ 07012
3 Month Share Certificate Special
$0
4.12%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
3 MONTH CD
$1,000
3.95%
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
With Checking
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
439 Livingston Ave, New Brunswick, NJ 08901
Certificate of Deposit 3 Month Term
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
3 Month Certificate of Deposit - Branch
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ 07068
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
3 month CD's
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3 Sunset Road And Route 541, Burlington, NJ 08016
3-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
3 Month CD
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
3-Month CD
$1,000
2.75%
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 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: 0.62%
5901 Route 42, Turnersville, NJ 08012 1497
3 month Certificates
$50,000
2.50%
▼
Rate2.47%
Min Deposit$50,000
Min Balance—
UpdatedMar 29, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ 08610
3 Month Certificate
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 1 month interest
PSE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
472 Weston Canal Rd, Somerset, NJ 08873
IRA 3 Month
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ 08835 1801
3 month Certificate
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Penalties may apply for early withdrawals
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
3-Month Certificates of Deposit
$1,000
1.00%
▼
Rate0.98%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
524 N Pearl St, Bridgeton, NJ 08302
90 Day IRA Certificate
$0
0.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
227 Market St, Camden, NJ 08102
3 Month Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
170 S Broadway, Pennsville, NJ 08070
3 Month CD
$2,500
0.75%
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ 08098
Certificate of Deposit 3-Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ 07054
3 Month Share Certificate
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
819 Teaneck Rd, Teaneck, NJ 07666
3-Month Certificate of Deposit
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Interest Compounded Daily | Posted Monthly
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
3 Month Certificate of Deposit (CD)
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
3-Month Certificates of Deposit (CDs) / IRA CDs
$500
0.05%
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2201 Route 50, Woodbine, NJ 08270
3 month Certificate of Deposit
$1,000
0.02%
▼
Rate0.02%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
175 Homans Ave, Closter, NJ 07624
IRA Accounts 6 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
617 Piermont Rd, Closter, NJ 07624
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ 08610
6 Month Certificate
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 1 month interest
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2091 Springdale Rd, Cherry Hill, NJ 08003
6 Month Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
6 Month Share Certificates / Share Certificate IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
975 Hooper Ave, Toms River, NJ 08753
6 Month CD
$5,000
3.85%
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
UpdatedMar 29, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ 07470 3112
6 Month Certificate Account
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
734 Sanford Ave, Newark, NJ 07106
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
561 Route 1, Edison, NJ 08817
6-Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
PSE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
472 Weston Canal Rd, Somerset, NJ 08873
IRA 6 Month
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Traditional SC 6 Mo.
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
6 Month Certificate of Deposit - Branch
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
FNB of Elmer
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
10 S Main St, Elmer, NJ 08318
6 Month PROMO
$10,000
3.60%
▼
Rate3.54%
Min Deposit$10,000
Min Balance—
UpdatedMar 29, 2026
Details
$10K min NEW money
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ 07928
New Money CDs 6 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
6 month CD's
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
6-Month Certificate of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1434 New Rd, Northfield, NJ 08225
6 month Share Certificate Special
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
This special rate expires at end of business on February 28, 2026.
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ 07018 1023
6 Month Share Certificate
$2,500
3.25%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ 07065 4607
6 month Certificate
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Franklin Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ 08098
6-Month CD
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3 Sunset Road And Route 541, Burlington, NJ 08016
6-Month CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
124 S Ridgedale AVe, East Hanover, NJ 07936
6 Month Share Certificate
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMar 29, 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.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ 08016
Jumbo Fixed Rate Share Certificates 6-month
$0
2.60%
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
819 Teaneck Rd, Teaneck, NJ 07666
6-Month Certificate of Deposit
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Interest Compounded Daily | Posted Monthly
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
5901 Route 42, Turnersville, NJ 08012 1497
6 month Certificates
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
$1,000 - $49,999
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
524 N Pearl St, Bridgeton, NJ 08302
180 Day Certificate
$0
2.22%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
6-Month Certificates of Deposit
$1,000
2.00%
▼
Rate1.95%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
6 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
227 Market St, Camden, NJ 08102
6 Month Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1410 Saint Georges Ave, Avenel, NJ 07001
6 month IRA
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
6 Month CD
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
851 Allwood Rd, Clifton, NJ 07012
6 Month JUMBO Share Certificate
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
FORT BILLINGS
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
962 BILLINGSPORT RD, GIBBSTOWN, NJ 08027
6 month Share Certificate
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Minimum $500.00 deposit
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ 07054
6 Month Share Certificate
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
6 Month Term CDs
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18 S West Blvd, Newfield, NJ 08344
Certificates of Deposit 6 Month
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
170 S Broadway, Pennsville, NJ 08070
6 Month CD
$2,500
0.10%
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
Renewal Accounts 6 Month IRA
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
617 Piermont Rd, Closter, NJ 07624
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
175 Homans Ave, Closter, NJ 07624
12 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
12 Month Share Certificates / Share Certificate IRA
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ 07470 3112
12 Month Certificate
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2091 Springdale Rd, Cherry Hill, NJ 08003
1 Year Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
12 Month (IRA Certificate) Certificates/IRA Certificates
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
172 Main St, Fort Lee, NJ 07024
12-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Limited time offer. Only available in our branches.
PSE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
472 Weston Canal Rd, Somerset, NJ 08873
IRA 1 Year
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
AXIS 12 MONTH CD SPECIAL
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
with Blue Axis Checking? & Direct Deposit
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
1 Year Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
12-month CD promotion
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
New money deposit only
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ 07801
12 month IRA share certificate
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
439 Livingston Ave, New Brunswick, NJ 08901
Certificate of Deposit 1 Year Term
$500
3.60%
▼
Rate3.57%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
619 Union Ave, Middlesex, NJ 08846
CD's 1 year
$0
3.57%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ 08610
12 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 3 months interest
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
1 Year IRA
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
12-Month Certificates of Deposit
$500
3.50%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ 07928
New Money CDs 12 Month
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ 07068
12-Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 12 Mo.
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
1748 S Lincoln Ave, Vineland, NJ 08361
12-month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ 08016
Jumbo Fixed Rate Share Certificates 12-month
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
12 Month Relationship IRA/Roth
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
12 month CD's
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
FNB of Elmer
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
10 S Main St, Elmer, NJ 08318
12 Month Fixed Rate IRA Certificate
$100
3.00%
▼
Rate2.97%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
225 E State St, Trenton, NJ 08608 1800
12 Month Certificates of Deposit
$10,000
2.95%
▼
Rate2.95%
Min Deposit$10,000
Min Balance—
UpdatedMar 29, 2026
Details
Community Financial Services Federal Credit Union
Institution Rating:
F3.0 ★Texas Ratio: 39.45%
149 Saint George Ave, Roselle, NJ 07203 2936
Share Certificate - 1 Year
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
A 90-day dividend penalty will be imposed for early withdrawal on Share Certificates. The penalty is calculated as a forfeiture of part of the dividends that have been earned on the account. If the account has not yet earned enough dividends, the penalty will be deducted from the principal. Fees may reduce earnings. Minimum balance required to open account is $2500.
New York Times Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
91 Fieldcrest Ave, Edison, NJ 08837
1 Year Certificates - Share
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
5901 Route 42, Turnersville, NJ 08012 1497
1 year Certificates
$50,000
2.60%
▼
Rate2.57%
Min Deposit$50,000
Min Balance—
UpdatedMar 29, 2026
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
400 Somerset St, New Brunswick, NJ 08901
12-month CDs (Certificates of Deposit)
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
524 N Pearl St, Bridgeton, NJ 08302
1 Year Certificate
$0
2.42%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2201 Route 50, Woodbine, NJ 08270
12 month Certificate of Deposit
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1433 Van Houten Ave, Clifton, NJ 07013
1 Year CD
$500
1.75%
▼
Rate1.71%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
43 S Main St, Manville, NJ 08835 1801
12 month Certificate
$0
1.45%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Penalties may apply for early withdrawals
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1410 Saint Georges Ave, Avenel, NJ 07001
12 month IRA
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
227 Market St, Camden, NJ 08102
12 Month Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Hamilton Horizons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.20%
3535 Quakerbridge Rd Ste 600, Hamilton, NJ 08619 1250
Regular Share Certificates 1 Year
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ 08098
Certificate of Deposit 12-Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
561 Route 1, Edison, NJ 08817
12-Month CD
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18 S West Blvd, Newfield, NJ 08344
Certificates of Deposit 1 Year
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Franklin Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ 08098
12-Month CD
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
220 W Union Ave, Bound Brook, NJ 08805
Certificates of Deposit & IRAs 12 Month
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Hope, NJ 07844
12 Month Certificates of Deposit
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
Renewal Accounts 12 Month IRA
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
175 Homans Ave, Closter, NJ 07624
18 Month Certificate
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ 07470 3112
18 Month Certificate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
18 Month (Legacy Club) Certificates/IRA Certificates
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ 07068
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
GSL Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6823 Bergenline Ave, Guttenberg, NJ 07093
IRA 18 Month Variable Rate
$500
3.66%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ 08610
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 3 months interest
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
18 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
18 Month CD (new money only^)
$500
3.45%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
227 Market St, Camden, NJ 08102
18 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
18-Month Fixed Rate CD
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
18-Month Certificates of Deposit
$500
3.25%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
225 E State St, Trenton, NJ 08608 1800
18 Month Certificates of Deposit
$25,000
3.17%
▼
Rate3.15%
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
18 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
5901 Route 42, Turnersville, NJ 08012 1497
18 month Certificates
$50,000
2.70%
▼
Rate2.67%
Min Deposit$50,000
Min Balance—
UpdatedMar 29, 2026
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
400 Somerset St, New Brunswick, NJ 08901
18-month CDs (Certificates of Deposit)
$2,500
2.50%
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
819 Teaneck Rd, Teaneck, NJ 07666
18-Month Online Certificate of Deposit
$1,000
2.05%
▼
Rate2.03%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Interest Compounded Daily | Posted Monthly
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ 08094
18-Month Certificates of Deposit (CDs)
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 6 Months Interest
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
18 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
53 S Laurel St, Bridgeton, NJ 08302
18 Month Choice CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ 08098
Certificate of Deposit 18-Month
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
851 Allwood Rd, Clifton, NJ 07012
18 Month JUMBO Share Certificate
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Schuyler Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
24 Davis Ave, Kearny, NJ 07032
18 Month Flexible Certificate of Deposits & IRAs
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
FNB of Elmer
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
10 S Main St, Elmer, NJ 08318
18 Month Fixed Rate IRA Certificate
$100
0.30%
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
18 Month Certificate of Deposit (CD)
$1,000
0.25%
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
220 W Union Ave, Bound Brook, NJ 08805
Certificates of Deposit & IRAs 18 Month
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
170 S Broadway, Pennsville, NJ 08070
18 Month Rate Option CD
$2,500
0.15%
▼
Rate0.15%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
107 Pulaski St, Newark, NJ 07105
Renewal Accounts 18 Month IRA
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2201 Route 50, Woodbine, NJ 08270
18 month Certificate of Deposit
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
530 Piermont Rd, Closter, NJ 07624
24 Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
175 Homans Ave, Closter, NJ 07624
24 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2091 Springdale Rd, Cherry Hill, NJ 08003
2 Year Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ 07470 3112
24 Month Certificate Account
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Rate Special
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
24 Month Share Certificates / Share Certificate IRA
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
24 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 24 Mo.
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ 07801
24 month IRA share certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
PSE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
472 Weston Canal Rd, Somerset, NJ 08873
IRA 2 Year
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ 07068
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
439 Livingston Ave, New Brunswick, NJ 08901
2 Year Term Certificate
$500
3.40%
▼
Rate3.37%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
24-Month Certificates of Deposit
$500
3.30%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ 07928
Online CDs 24 Month
$1,000
3.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Only available to existing Premier customers.
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
227 Market St, Camden, NJ 08102
24 Month Certificate
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ 08016
Jumbo Fixed Rate Share Certificates 24-month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
170 S Broadway, Pennsville, NJ 08070
24 Month CD
$2,500
3.04%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
2 Year CD / IRA
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
East Orange VAH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
385 Tremont Ave, East Orange, NJ 07018 1023
24 Month Share Certificate
$2,500
2.85%
▼
Rate2.85%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
225 E State St, Trenton, NJ 08608 1800
24 Month Certificates of Deposit
$25,000
2.81%
▼
Rate2.79%
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
5901 Route 42, Turnersville, NJ 08012 1497
2 year Certificates
$50,000
2.75%
▼
Rate2.72%
Min Deposit$50,000
Min Balance—
UpdatedMar 29, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
524 N Pearl St, Bridgeton, NJ 08302
2 Year Certificate
$0
2.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
24 month CD's
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
400 Somerset St, New Brunswick, NJ 08901
24-month CDs (Certificates of Deposit)
$2,500
2.50%
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1410 Saint Georges Ave, Avenel, NJ 07001
24 month IRA
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
24 Month Relationship IRA/Roth
$1,000
1.90%
▼
Rate1.89%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
819 Teaneck Rd, Teaneck, NJ 07666
24-Month Certificate of Deposit
$1,000
1.75%
▼
Rate1.73%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Interest Compounded Daily | Posted Monthly
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
24 Month CD
$100
1.65%
▼
Rate1.64%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
Community Financial Services Federal Credit Union
Institution Rating:
F3.0 ★Texas Ratio: 39.45%
149 Saint George Ave, Roselle, NJ 07203 2936
Share Certificate - 2 Year
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
A 90-day dividend penalty will be imposed for early withdrawal on Share Certificates. The penalty is calculated as a forfeiture of part of the dividends that have been earned on the account. If the account has not yet earned enough dividends, the penalty will be deducted from the principal. Fees may reduce earnings. Minimum balance required to open account is $2500.
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
24 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
FORT BILLINGS
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
962 BILLINGSPORT RD, GIBBSTOWN, NJ 08027
24 Month Jumbo Share Certificates
$50,000
1.16%
▼
Rate1.15%
Min Deposit$50,000
Min Balance—
UpdatedMar 29, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ 08098
Certificate of Deposit 24-Month
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
851 Allwood Rd, Clifton, NJ 07012
24 Month Share Certificate
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Union Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
205 Cherry Hill Rd, Parsippany, NJ 07054
24 Month Share Certificate
$0
0.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
24 Month Certificate of Deposit (CD)
$1,000
0.35%
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
FNB of Elmer
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
10 S Main St, Elmer, NJ 08318
24 Month Fixed Rate IRA Certificate
$100
0.30%
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
220 W Union Ave, Bound Brook, NJ 08805
Certificates of Deposit & IRAs 24 Month
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Hope, NJ 07844
24 Month Certificates of Deposit
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2201 Route 50, Woodbine, NJ 08270
24 month Certificate of Deposit
$500
0.04%
▼
Rate0.04%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
175 Homans Ave, Closter, NJ 07624
36 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2091 Springdale Rd, Cherry Hill, NJ 08003
3 Year Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ 07470 3112
36 Month Certificate Account
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Rate Special
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
36 Month Share Certificates / Share Certificate IRA
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
36 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ 07068
IRA Certificate Term 36-Month Variable
$100,000
3.67%
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ 08610
36 Month Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 3 months interest
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ 07801
36 month IRA share certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
AXIS 36 MONTH CD SPECIAL
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
with Blue Axis Checking? & Direct Deposit
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 36 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
3 Year CD / IRA (new money only^)
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
36-Month Certificates of Deposit
$500
3.40%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
PSE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
472 Weston Canal Rd, Somerset, NJ 08873
IRA 3 Year
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ 08098
Promotional Certificate of Deposit 36-Month Bump Up
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ 08016
Jumbo Fixed Rate Share Certificates 36-month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
36 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
227 Market St, Camden, NJ 08102
36 Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
524 N Pearl St, Bridgeton, NJ 08302
3 Year Certificate
$0
2.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
5901 Route 42, Turnersville, NJ 08012 1497
3 year Certificates
$50,000
2.75%
▼
Rate2.72%
Min Deposit$50,000
Min Balance—
UpdatedMar 29, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
253 W Main St, Moorestown, NJ 08057
36 Month Certificate of Deposit
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
36 month CD's
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
225 E State St, Trenton, NJ 08608 1800
36 Month Certificates of Deposit
$25,000
2.41%
▼
Rate2.39%
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
170 S Broadway, Pennsville, NJ 08070
36 Month CD
$2,500
2.27%
▼
Rate2.25%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ 08094
3-Year Certificates of Deposit (CDs)
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 18 Months Interest
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1410 Saint Georges Ave, Avenel, NJ 07001
36 month IRA
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Community Financial Services Federal Credit Union
Institution Rating:
F3.0 ★Texas Ratio: 39.45%
149 Saint George Ave, Roselle, NJ 07203 2936
Share Certificate - 3 Year
$0
1.77%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
A 90-day dividend penalty will be imposed for early withdrawal on Share Certificates. The penalty is calculated as a forfeiture of part of the dividends that have been earned on the account. If the account has not yet earned enough dividends, the penalty will be deducted from the principal. Fees may reduce earnings. Minimum balance required to open account is $2500.
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
36 Month CD
$100
1.65%
▼
Rate1.64%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
36 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
53 S Laurel St, Bridgeton, NJ 08302
3 Year Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Hope, NJ 07844
36 Month Risk-Free Certificates of Deposit
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
851 Allwood Rd, Clifton, NJ 07012
36 Month Share Certificate
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
819 Teaneck Rd, Teaneck, NJ 07666
36-Month Certificate of Deposit
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Interest Compounded Daily | Posted Monthly
FORT BILLINGS
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
962 BILLINGSPORT RD, GIBBSTOWN, NJ 08027
36 month Share Certificate
$500
0.60%
▼
Rate0.60%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Minimum $500.00 deposit
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1433 Van Houten Ave, Clifton, NJ 07013
3 Year CD
$500
0.55%
▼
Rate0.54%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
36 Month Certificate of Deposit (CD)
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
FNB of Elmer
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
10 S Main St, Elmer, NJ 08318
36 Month Fixed Rate IRA Certificate
$100
0.45%
▼
Rate0.45%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18 S West Blvd, Newfield, NJ 08344
Certificates of Deposit 3 Year
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
220 W Union Ave, Bound Brook, NJ 08805
Certificates of Deposit & IRAs 36 Month
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2201 Route 50, Woodbine, NJ 08270
36 month Certificate of Deposit
$500
0.06%
▼
Rate0.06%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
175 Homans Ave, Closter, NJ 07624
48 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2091 Springdale Rd, Cherry Hill, NJ 08003
4 Year Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ 07470 3112
48 Month Certificate Account
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
48 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
48 Month Certificate of Deposit - Branch
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ 07801
48 month IRA share certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 48 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
48-Month Certificates of Deposit
$500
3.50%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
48 Month Share Certificates / Share Certificate IRA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
PSE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
472 Weston Canal Rd, Somerset, NJ 08873
IRA 4 Year
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
400 Somerset St, New Brunswick, NJ 08901
48-month CDs (Certificates of Deposit)
$2,500
3.25%
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
439 Livingston Ave, New Brunswick, NJ 08901
4 Year Term Certificate
$500
3.20%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
237 Washington Ave, Belleville, NJ 07109
48-Month CD
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
524 N Pearl St, Bridgeton, NJ 08302
4 Year Certificate
$0
3.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ 08016
48-month Fixed Rate Share Certificates
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
227 Market St, Camden, NJ 08102
48 Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
5901 Route 42, Turnersville, NJ 08012 1497
4 year Certificates
$50,000
2.75%
▼
Rate2.72%
Min Deposit$50,000
Min Balance—
UpdatedMar 29, 2026
Details
FORT BILLINGS
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
962 BILLINGSPORT RD, GIBBSTOWN, NJ 08027
48 Month Jumbo Share Certificates
$50,000
2.68%
▼
Rate2.65%
Min Deposit$50,000
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
253 W Main St, Moorestown, NJ 08057
48 Month Certificate of Deposit
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
225 E State St, Trenton, NJ 08608 1800
48 Month Certificates of Deposit
$25,000
2.46%
▼
Rate2.44%
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
48 month CD's
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
4 Year CD
$500
2.35%
▼
Rate2.32%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ 08094
4-Year Certificates of Deposit (CDs)
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 18 Months Interest
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1410 Saint Georges Ave, Avenel, NJ 07001
48 month IRA
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
48 Month Relationship IRA/Roth
$1,000
1.80%
▼
Rate1.79%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
48 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ 08098
Certificate of Deposit 48-Month
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
819 Teaneck Rd, Teaneck, NJ 07666
48-Month Certificate of Deposit
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Interest Compounded Daily | Posted Monthly
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1433 Van Houten Ave, Clifton, NJ 07013
4 Year CD
$500
0.70%
▼
Rate0.69%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Hope, NJ 07844
48 Month Certificates of Deposit
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
48 Month Certificate of Deposit (CD)
$1,000
0.55%
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
FNB of Elmer
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
10 S Main St, Elmer, NJ 08318
48 Month Fixed Rate IRA Certificate
$100
0.50%
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18 S West Blvd, Newfield, NJ 08344
Certificates of Deposit 4 Year
$500
0.45%
▼
Rate0.45%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Pennsville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
170 S Broadway, Pennsville, NJ 08070
48 Month CD
$2,500
0.40%
▼
Rate0.40%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2201 Route 50, Woodbine, NJ 08270
48 month Certificate of Deposit
$500
0.08%
▼
Rate0.08%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
175 Homans Ave, Closter, NJ 07624
IRA Accounts 60 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2091 Springdale Rd, Cherry Hill, NJ 08003
5 Year Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ 07470 3112
60 Month Certificate Account
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
477 Jeremiah Ave, Trenton, NJ 08610
60 Month Certificate
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 6 months interest
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
60 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
5 Year IRA Certificate of Deposit
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
60-Month Certificates of Deposit
$500
3.60%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ 07801
60 month IRA share certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 60 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
439 Livingston Ave, New Brunswick, NJ 08901
1.5 Year Term Certificate
$500
3.50%
▼
Rate3.47%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
60 Month Share Certificates / Share Certificate IRA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
PSE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
472 Weston Canal Rd, Somerset, NJ 08873
IRA 5 Year
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
60 Month Term CDs
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
524 N Pearl St, Bridgeton, NJ 08302
5 Year Certificate
$0
3.22%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
FORT BILLINGS
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
962 BILLINGSPORT RD, GIBBSTOWN, NJ 08027
60 Month IRA Jumbo Certificate
$50,000
3.20%
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ 08016
Jumbo Fixed Rate Share Certificates 60-month
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1410 Saint Georges Ave, Avenel, NJ 07001
60 month IRA
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
227 Market St, Camden, NJ 08102
60 Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
5901 Route 42, Turnersville, NJ 08012 1497
5 year Certificates
$50,000
2.75%
▼
Rate2.72%
Min Deposit$50,000
Min Balance—
UpdatedMar 29, 2026
Details
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
225 E State St, Trenton, NJ 08608 1800
60 Month Certificates of Deposit
$25,000
2.57%
▼
Rate2.54%
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
114 S Main St, Williamstown, NJ 08094
5-Year Certificates of Deposit (CDs)
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 18 Months Interest
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
60 month CD's
$0
2.28%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
56 Haddonfield Rd, Cherry Hill, NJ 08002 2057
60 Month Business Certificate Account
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1400 S Park Ave, Linden, NJ 07036
IRA Share Certificates 60 MONTH SHARE CERTIFICATE
$0
1.87%
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
60 Month Relationship IRA/Roth
$1,000
1.75%
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St, Elizabeth, NJ 07208
5 Year CD
$500
1.36%
▼
Rate1.35%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ 08098
Certificate of Deposit 60-Month
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
53 S Laurel St, Bridgeton, NJ 08302
5 Year Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
851 Allwood Rd, Clifton, NJ 07012
60 Month Share Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
819 Teaneck Rd, Teaneck, NJ 07666
60-Month Certificate of Deposit
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Interest Compounded Daily | Posted Monthly
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
60 Month Certificate of Deposit (CD)
$1,000
0.65%
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Hope, NJ 07844
60 Month Certificates of Deposit
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
FNB of Elmer
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
10 S Main St, Elmer, NJ 08318
60 Month Fixed Rate IRA Certificate
$100
0.55%
▼
Rate0.55%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
64 Old Highway 22, Clinton, NJ 08809
60 Month CD & Up
$1,000
0.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2201 Route 50, Woodbine, NJ 08270
60 month Certificate of Deposit
$500
0.13%
▼
Rate0.13%
Min Deposit$500
Min Balance—
UpdatedMar 29, 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.
Closter, NJ CD Rate Trends
Compare local Closter, NJ CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — NJ Avg
1.860%
▲ 0.117 from last week
New Jersey 12-month CD rates rose 0.117 points this week to 1.860% APY, up from 1.743% last week.
6-Month CD — NJ Avg
1.351%
▲ 1.154 from last week
New Jersey 6-month CD rates rose 1.154 points this week to 1.351% APY, up from 0.198% last week.
As of Mar 29, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Closter, New Jersey
Are CD rates in Closter, New Jersey FDIC insured?
Yes, most established banks in Closter, 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 Closter, 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 Closter, 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 Closter, 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 Closter, New Jersey?
Here are recent top rates found for this area:
- Woori America Bank: 4.00% APY (WooriWON 3-month CD)
- First Commerce Bank (NJ): 3.25% APY (24 Month CD)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- NVE Bank: 1.00% APY (IRA Accounts 6 Month Certificate)
- Ion Bank: 1.00% APY (24 Month Certificate)
- Nova UA Federal Credit Union: 4.12% APY (3 Month Share Certificate Special)
- USALLIANCE: 4.10% APY (18 Month Certificate)
- Ukrainian Selfreliance Federal Credit Union: 4.08% APY (6 Month Certificate)
- Healthcare Employees Federal Credit Union: 4.06% APY (12 Month Share Certificates / Share Certificate IRA)
- Copper State Credit Union: 4.00% APY (1 Year Business Certificate)
Rates reflect recent verified offers available in Closter, New Jersey. Last Updated: March 29, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Closter, 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 Closter, 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: March 29, 2026
