New Jersey Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 New Jersey CD rates include Habib American HAB BankHabib American HAB Bank1585 Oak Tree Rd, Iselin, NJ 08830A+5.0 ★Texas Ratio: 5.54%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Certificate at 4.50% APY, Marcus BankMarcus Bank30 Hudson St, Jersey City, NJ 07302A+5.0 ★Texas Ratio: 4.32%Real return: +1.55%APY minus CPI (February 2026) offering 18 mo at 4.35% APY, URSB United Roosevelt Savings BankURSB United Roosevelt Savings Bank11 15 Cooke Ave, Carteret, NJ 07008A+5.0 ★Texas Ratio: 0.27%Real return: +1.45%APY minus CPI (February 2026) offering 48 Month CD at 4.25% APY, New Millennium BankNew Millennium Bank222 Bridge Plz S, Fort Lee, NJ 07024A+5.0 ★Texas Ratio: 3.49%Real return: +1.35%APY minus CPI (February 2026) offering Certificates of Deposit - 12 Month Certificate at 4.15% APY, and Columbia BankColumbia Bank1500 Irving St, Rahway, NJ 07065A+5.0 ★Texas Ratio: 4.35%Real return: +1.20%APY minus CPI (February 2026) offering 18 Month Advantage CD at 4.00% APY. CD rates as of September 9, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in New Jersey side-by-side. New Jersey CD rates currently reach as high as 4.50% APY from Habib American HAB Bank at 1585 Oak Tree Rd, Iselin, NJ 08830. Rates are continually updated, so 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: September 9, 2026
Compare Best CD Rates in New Jersey
New Jersey 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD1.99% APY▲ 0.01% from last week
The national average 3-month CD rate is 1.99% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1585 Oak Tree Rd, Iselin, NJ 08830
3 Month Certificate
$0
4.50%
▲ 2.51% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 2.51% above avg
Details
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
2115 Linwood Ave, Fort Lee, NJ 07024
3 Month
$0
3.75%
▲ 1.76% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.76% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 3 Month Certificate
$500
3.75%
▲ 1.76% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.76% above avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
2053 Lemoine Ave, Fort Lee, NJ 07024
3-Months CD
$1,000
3.70%
▲ 1.71% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.71% above avg
Details
The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
3 Month Certificate
$1,000
3.50%
▲ 1.51% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.51% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
3 Month Request Appointment
$1,000
3.50%
▲ 1.51% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.51% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.29%
4400 Us Highway 9, Freehold, NJ 07728
3 Month CD
$500
3.40%
▲ 1.41% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.41% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
78 Washington Ave, Westwood, NJ 07675
3 month to 5 month
$500
3.15%
▲ 1.16% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.16% above avg
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Sunset Road And Route 541, Burlington, NJ 08016
3 Month
$2,500
3.00%
▲ 1.01% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.01% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
3-Month CD
$1,000
2.75%
▲ 0.76% above national avg
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.76% above avg
Details
Rates and Terms shown are for CDs opened or renewed online only.
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
615 Burlington Ave, Delanco, NJ 08075
3 Month CD
$500
2.75%
▲ 0.76% above national avg
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.76% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
3 Month Certificate
$0
1.50%
▼ 0.49% below national avg
▼
Rate1.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.49% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
53 S Laurel St, Bridgeton, NJ 08302
3 Month
$0
1.00%
▼ 0.99% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.99% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
53 S Laurel St, Bridgeton, NJ 08302
3 Month TD Choice CD
$250
1.00%
▼ 0.99% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.99% below avg
Details
Relationship APY
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
667 Chestnut St, Union, NJ 07083
Term Share Account: and over - 3 months
$0
0.50%
▼ 1.49% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.49% below avg
Details
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
18 S West Blvd, Newfield, NJ 08344
3 Month Certificate
$500
0.15%
▼ 1.84% below national avg
▼
Rate0.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.84% below avg
Details
Penalties for early redemption: 3 months, 6 months, 1 year - 30 days interest penalty.
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
2201 Route 50, Woodbine, NJ 08270
3 Month Certificate
$1,000
0.02%
▼ 1.97% below national avg
▼
Rate0.02%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.97% below avg
Details
New Jersey 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.67% APY▼ 0.01% from last week
The national average 6-month CD rate is 2.67% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1585 Oak Tree Rd, Iselin, NJ 08830
6 Month Certificate
$0
4.50%
▲ 1.83% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.83% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
6 months High-Yield CD
$500
3.95%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.28% above avg
Details
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
975 Hooper Ave, Toms River, NJ 08753
6 Month CD
$5,000
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.18% above avg
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/9/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
6 Month - Online Only
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
Online Only
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
6 Month Certificate
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 6 Month Certificate
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
2053 Lemoine Ave, Fort Lee, NJ 07024
6-Months CD
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
36 Pacific St, Newark, NJ 07105
6-MONTH CD
$500
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.03% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited time offer.
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
619 Union Ave, Middlesex, NJ 08846
6 months
$1,000
3.67%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.00% above avg
Details
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
2115 Linwood Ave, Fort Lee, NJ 07024
6 Month
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.98% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.29%
4400 Us Highway 9, Freehold, NJ 07728
6 Month CD
$500
3.65%
▲ 0.98% above national avg
▼
Rate3.58%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.98% above avg
Details
FNB of Elmer
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
10 S Main St, Elmer, NJ 08318
6 Month PROMO
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.93% above avg
Details
($10K min NEW money); Interest is Compounded/ Contracted: Monthly/Monthly
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
6 Month Certificate
$1,000
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.83% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
6 Month Request Appointment
$1,000
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.83% above avg
Details
1st Bank of Sea Isle City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4301 Landis Ave, Sea Isle City, NJ 08243
182 days (6 months)
$1,000
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.83% above avg
Details
CTBC Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
1753 Route 27, Edison, NJ 08817
6 Month CD
$5,000
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.63% above avg
Details
Century Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1376 W Sherman Ave, Vineland, NJ 08360
6 Month Certificate
$500
3.29%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.62% above avg
Details
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
11 15 Cooke Ave, Carteret, NJ 07008
6 Month URSB PERKS CD
$500
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.58% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
78 Washington Ave, Westwood, NJ 07675
6 month to 11 month
$500
3.15%
▲ 0.48% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.48% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
6-Month CD
$1,000
3.00%
▲ 0.33% above national avg
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.33% above avg
Details
Rates and Terms shown are for CDs opened or renewed online only.
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Sunset Road And Route 541, Burlington, NJ 08016
6 Month
$2,500
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.33% above avg
Details
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
11 15 Cooke Ave, Carteret, NJ 07008
6 Month CD
$500
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.33% above avg
Details
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
615 Burlington Ave, Delanco, NJ 08075
6 Month CD
$500
2.75%
▲ 0.08% above national avg
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.08% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
120 Windsor Center Dr, East Windsor, NJ 08520
6 Month Certificate
$0
2.70%
▲ 0.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.03% above avg
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
2201 Route 50, Woodbine, NJ 08270
6 Month Certificate
$1,000
2.50%
▼ 0.17% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.17% below avg
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1434 New Rd, Northfield, NJ 08225
6 months
$0
1.55%
▼ 1.12% below national avg
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.12% below avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
6 Month Certificate
$0
1.50%
▼ 1.17% below national avg
▼
Rate1.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.17% below avg
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1434 New Rd, Northfield, NJ 08225
6 months
$0
1.50%
▼ 1.17% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.17% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
53 S Laurel St, Bridgeton, NJ 08302
6 Month TD Choice CD
$250
1.00%
▼ 1.67% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.67% below avg
Details
Relationship APY
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
667 Chestnut St, Union, NJ 07083
Term Share Account: and over - 6 months
$0
0.55%
▼ 2.12% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.12% below avg
Details
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
18 S West Blvd, Newfield, NJ 08344
6 Month Certificate
$500
0.15%
▼ 2.52% below national avg
▼
Rate0.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.52% below avg
Details
Penalties for early redemption: 3 months, 6 months, 1 year - 30 days interest penalty.
Essex County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
125 Franklin St, Bloomfield, NJ 07003 5730
6 Month Share Certificate
$0
0.10%
▼ 2.57% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.57% below avg
Details
Penalty: 90 days
New Jersey 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.84% APY▼ 0.01% from last week
The national average 12-month CD rate is 2.84% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1585 Oak Tree Rd, Iselin, NJ 08830
12 Month Certificate
$0
4.50%
▲ 1.66% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.66% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 12 Month Certificate
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.31% above avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
222 Bridge Plz S, Fort Lee, NJ 07024
Millennium Club Account - 1 Year Term
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.16% above avg
Details
Fixed Rate. Minimum to open and obtain APY is $1,000 contract amount
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
11 15 Cooke Ave, Carteret, NJ 07008
12 Month URSB PERKS CD
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.16% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
12 months High-Yield CD
$500
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.06% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
36 Pacific St, Newark, NJ 07105
12-MONTH CD
$500
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.96% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited time offer.
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
11 15 Cooke Ave, Carteret, NJ 07008
12 Month CD
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.91% above avg
Details
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
619 Union Ave, Middlesex, NJ 08846
1 year
$1,000
3.57%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.73% above avg
Details
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
2053 Lemoine Ave, Fort Lee, NJ 07024
12-Months CD
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.71% above avg
Details
The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
2115 Linwood Ave, Fort Lee, NJ 07024
12 Month
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.66% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
12 Month - Online Only
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.66% above avg
Details
Online Only
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
12 Month Certificate
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.66% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
12 Month IRA CD
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.66% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
12 Month IRA Request Appointment
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.66% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
12 Month Request Appointment
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.66% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
78 Washington Ave, Westwood, NJ 07675
12 month Lucky Savers (Non-IRA/HSA Only)
$25
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.66% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
78 Washington Ave, Westwood, NJ 07675
12 month to 17 month
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.66% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
78 Washington Ave, Westwood, NJ 07675
12 Month Youth
$25
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.66% above avg
Details
FNB of Absecon
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
106 New Jersey Ave, Absecon, NJ 08201
12 MONTH CD SPECIAL
$10,000
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.45% above avg
Details
NEW MONEY
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1748 S Lincoln Ave, Vineland, NJ 08361
12-month CD
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.41% above avg
Details
Century Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1376 W Sherman Ave, Vineland, NJ 08360
12 Month Certificate
$500
3.03%
▲ 0.19% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.19% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
1 Year Term CD
$1,000
3.00%
▲ 0.16% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.16% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
1-Year CD
$1,000
3.00%
▲ 0.16% above national avg
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.16% above avg
Details
Rates and Terms shown are for CDs opened or renewed online only.
FNB of Elmer
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
10 S Main St, Elmer, NJ 08318
12 Month Certificate
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.16% above avg
Details
Interest is Compounded/ Contracted: Monthly/Monthly
FNB of Elmer
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
10 S Main St, Elmer, NJ 08318
12 Month Fixed Rate IRA
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.16% above avg
Details
Interest is Compounded/ Contracted: Quarterly/Quarterly
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.29%
4400 Us Highway 9, Freehold, NJ 07728
12 Month CD
$500
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.16% above avg
Details
CTBC Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
1753 Route 27, Edison, NJ 08817
12 Month Promo CD
$5,000
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.16% above avg
Details
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
615 Burlington Ave, Delanco, NJ 08075
12 Month CD
$500
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.16% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
120 Windsor Center Dr, East Windsor, NJ 08520
1 Year Certificate
$0
2.90%
▲ 0.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.06% above avg
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Sunset Road And Route 541, Burlington, NJ 08016
12 Month
$2,500
2.75%
▼ 0.09% below national avg
▼
Rate2.71%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 0.09% below avg
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
2201 Route 50, Woodbine, NJ 08270
12 Month Certificate
$500
2.25%
▼ 0.59% below national avg
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 0.59% below avg
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1434 New Rd, Northfield, NJ 08225
12 months
$0
2.05%
▼ 0.79% below national avg
▼
Rate2.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 0.79% below avg
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1434 New Rd, Northfield, NJ 08225
12 months
$0
2.00%
▼ 0.84% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 0.84% below avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
1 Year Certificate
$0
1.50%
▼ 1.34% below national avg
▼
Rate1.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 1.34% below avg
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
667 Chestnut St, Union, NJ 07083
Term Share Account: and over - 1 year
$0
1.50%
▼ 1.34% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 1.34% below avg
Details
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
53 S Laurel St, Bridgeton, NJ 08302
12 Month - Relationship
$0
1.00%
▼ 1.84% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 1.84% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
53 S Laurel St, Bridgeton, NJ 08302
12 Month TD Choice CD
$250
1.00%
▼ 1.84% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 1.84% below avg
Details
Relationship APY
CTBC Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
1753 Route 27, Edison, NJ 08817
12 Month CD
$5,000
0.40%
▼ 2.44% below national avg
▼
Rate0.40%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 2.44% below avg
Details
1st Bank of Sea Isle City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4301 Landis Ave, Sea Isle City, NJ 08243
12 Month Certificate
$500
0.33%
▼ 2.51% below national avg
▼
Rate0.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 2.51% below avg
Details
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
18 S West Blvd, Newfield, NJ 08344
1 Year Certificate
$500
0.30%
▼ 2.54% below national avg
▼
Rate0.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 2.54% below avg
Details
Penalties for early redemption: 1.5 years and over - 90 days interest penalty.
Essex County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
125 Franklin St, Bloomfield, NJ 07003 5730
12 Month Share Certificate
$0
0.15%
▼ 2.69% below national avg
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 2.69% below avg
Details
Penalty: 90 days
New Jersey 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.67% APY▼ 0.03% from last week
The national average 18-month CD rate is 2.67% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
18 mo
$500
4.35%
▲ 1.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.68% above avg
Details
Rate guarantee for 10 days.
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
18 months High-Yield CD
$500
4.35%
▲ 1.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.68% above avg
Details
Columbia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1500 Irving St, Rahway, NJ 07065
18 Month Advantage CD
$500
4.00%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.33% above avg
Details
Enjoy this rate when you have an Advantage Plus Checking Account.
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
18 Month Certificate
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
18 Month IRA CD
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
18 Month IRA Request Appointment
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
18 Month Request Appointment
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
975 Hooper Ave, Toms River, NJ 08753
18 Month CD
$5,000
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.93% above avg
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/11/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for an 18-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
2115 Linwood Ave, Fort Lee, NJ 07024
18 Month
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.83% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 18 Month Certificate
$500
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.83% above avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
78 Washington Ave, Westwood, NJ 07675
18 month to 23 month
$500
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.83% above avg
Details
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
11 15 Cooke Ave, Carteret, NJ 07008
18 Month URSB PERKS CD
$500
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.83% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.29%
4400 Us Highway 9, Freehold, NJ 07728
18 Month CD
$500
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.33% above avg
Details
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
11 15 Cooke Ave, Carteret, NJ 07008
18 Month CD
$500
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.33% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
120 Windsor Center Dr, East Windsor, NJ 08520
18 Month Certificate
$0
2.90%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.23% above avg
Details
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1585 Oak Tree Rd, Iselin, NJ 08830
18 Month Certificate
$0
2.75%
▲ 0.08% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.08% above avg
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
667 Chestnut St, Union, NJ 07083
Term Share Account: and over - 18 months
$0
2.75%
▲ 0.08% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.08% above avg
Details
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Century Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1376 W Sherman Ave, Vineland, NJ 08360
18 Month Certificate
$500
2.68%
▲ 0.01% above national avg
▼
Rate2.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.01% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
18-Month CD
$1,000
2.50%
▼ 0.17% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.17% below avg
Details
Rates and Terms shown are for CDs opened or renewed online only.
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Sunset Road And Route 541, Burlington, NJ 08016
18 Month
$2,500
2.50%
▼ 0.17% below national avg
▼
Rate2.47%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.17% below avg
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1434 New Rd, Northfield, NJ 08225
18 months
$0
2.30%
▼ 0.37% below national avg
▼
Rate2.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.37% below avg
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1434 New Rd, Northfield, NJ 08225
18 months
$0
2.25%
▼ 0.42% below national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.42% below avg
Details
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
615 Burlington Ave, Delanco, NJ 08075
18 Month CD
$500
2.10%
▼ 0.57% below national avg
▼
Rate2.08%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.57% below avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
18 Month Certificate
$0
1.25%
▼ 1.42% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.42% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
53 S Laurel St, Bridgeton, NJ 08302
18 Month
$0
1.00%
▼ 1.67% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.67% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
53 S Laurel St, Bridgeton, NJ 08302
18 Month TD Choice CD
$250
1.00%
▼ 1.67% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.67% below avg
Details
Relationship APY
1st Bank of Sea Isle City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4301 Landis Ave, Sea Isle City, NJ 08243
18 Month Certificate
$500
0.36%
▼ 2.31% below national avg
▼
Rate0.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.31% below avg
Details
1st Bank of Sea Isle City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4301 Landis Ave, Sea Isle City, NJ 08243
18 months Traditional IRA
$500
0.36%
▼ 2.31% below national avg
▼
Rate0.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.31% below avg
Details
1st Bank of Sea Isle City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4301 Landis Ave, Sea Isle City, NJ 08243
18 months Variable IRA
$500
0.36%
▼ 2.31% below national avg
▼
Rate0.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.31% below avg
Details
FNB of Elmer
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
10 S Main St, Elmer, NJ 08318
18 Month Certificate
$0
0.30%
▼ 2.37% below national avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.37% below avg
Details
Interest is Compounded/ Contracted: Monthly/Monthly
FNB of Elmer
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
10 S Main St, Elmer, NJ 08318
18 Month Fixed Rate IRA
$0
0.30%
▼ 2.37% below national avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.37% below avg
Details
Interest is Compounded/ Contracted: Quarterly/Quarterly
FNB of Absecon
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
106 New Jersey Ave, Absecon, NJ 08201
18 MONTH
$0
0.02%
▼ 2.65% below national avg
▼
Rate0.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.65% below avg
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
2201 Route 50, Woodbine, NJ 08270
18 Month Certificate
$500
0.02%
▼ 2.65% below national avg
▼
Rate0.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.65% below avg
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
2201 Route 50, Woodbine, NJ 08270
18 month (variable)
$100
0.01%
▼ 2.66% below national avg
▼
Rate0.01%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.66% below avg
Details
New Jersey 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.71% APY▼ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
2 years High-Yield CD
$500
4.35%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.64% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
78 Washington Ave, Westwood, NJ 07675
24 month to 29 month
$500
3.75%
▲ 1.04% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.04% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
36 Pacific St, Newark, NJ 07105
24-MONTH CD
$2,500
3.70%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.99% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited time offer.
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
2115 Linwood Ave, Fort Lee, NJ 07024
24 Month
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.79% above avg
Details
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
11 15 Cooke Ave, Carteret, NJ 07008
24 Month URSB PERKS CD
$500
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.79% above avg
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
667 Chestnut St, Union, NJ 07083
Term Share Account: and over - 2 years
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.79% above avg
Details
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
619 Union Ave, Middlesex, NJ 08846
2 years
$1,000
3.47%
▲ 0.76% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.76% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
24 Month - Online Only
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.54% above avg
Details
Online Only
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
24 Month Certificate
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.54% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
24 Month IRA CD
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.54% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
24 Month IRA Request Appointment
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.54% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
24 Month Request Appointment
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.54% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 2 Year Certificate
$500
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.54% above avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.29%
4400 Us Highway 9, Freehold, NJ 07728
24 Month CD
$500
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.29% above avg
Details
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
11 15 Cooke Ave, Carteret, NJ 07008
24 Month CD
$500
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.29% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
120 Windsor Center Dr, East Windsor, NJ 08520
2 Year Certificate
$0
2.90%
▲ 0.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.19% above avg
Details
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1585 Oak Tree Rd, Iselin, NJ 08830
24 Month Certificate
$0
2.75%
▲ 0.04% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.04% above avg
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1434 New Rd, Northfield, NJ 08225
24 months
$0
2.55%
▼ 0.16% below national avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.16% below avg
Details
Century Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1376 W Sherman Ave, Vineland, NJ 08360
24 Month Certificate
$500
2.52%
▼ 0.19% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.19% below avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
2-Year CD
$1,000
2.50%
▼ 0.21% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.21% below avg
Details
Rates and Terms shown are for CDs opened or renewed online only.
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1434 New Rd, Northfield, NJ 08225
24 months
$0
2.50%
▼ 0.21% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.21% below avg
Details
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
615 Burlington Ave, Delanco, NJ 08075
24 Month CD
$500
2.10%
▼ 0.61% below national avg
▼
Rate2.08%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.61% below avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
222 Bridge Plz S, Fort Lee, NJ 07024
Millennium Club Account - 2 Years Term
$0
2.00%
▼ 0.71% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.71% below avg
Details
Fixed Rate. Minimum to open and obtain APY is $1,000 contract amount
FNB of Absecon
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
106 New Jersey Ave, Absecon, NJ 08201
24 MONTH CD SPECIAL
$10,000
1.50%
▼ 1.21% below national avg
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 1.21% below avg
Details
NEW MONEY
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Sunset Road And Route 541, Burlington, NJ 08016
24 Month
$2,500
1.50%
▼ 1.21% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 1.21% below avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
2 Year Certificate
$0
1.25%
▼ 1.46% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 1.46% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
53 S Laurel St, Bridgeton, NJ 08302
24 Month
$0
1.00%
▼ 1.71% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 1.71% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
53 S Laurel St, Bridgeton, NJ 08302
24 Month TD Choice CD
$250
1.00%
▼ 1.71% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 1.71% below avg
Details
Relationship APY
CTBC Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
1753 Route 27, Edison, NJ 08817
24 Month CD
$5,000
0.50%
▼ 2.21% below national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 2.21% below avg
Details
1st Bank of Sea Isle City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4301 Landis Ave, Sea Isle City, NJ 08243
24 Month Certificate
$500
0.36%
▼ 2.35% below national avg
▼
Rate0.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 2.35% below avg
Details
Essex County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
125 Franklin St, Bloomfield, NJ 07003 5730
24 Month Share Certificate
$0
0.30%
▼ 2.41% below national avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 2.41% below avg
Details
Penalty: 90 days
FNB of Elmer
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
10 S Main St, Elmer, NJ 08318
24 Month Certificate
$0
0.30%
▼ 2.41% below national avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 2.41% below avg
Details
Interest is Compounded/ Contracted: Monthly/Monthly
FNB of Elmer
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
10 S Main St, Elmer, NJ 08318
24 Month Fixed Rate IRA
$0
0.30%
▼ 2.41% below national avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 2.41% below avg
Details
Interest is Compounded/ Contracted: Quarterly/Quarterly
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
18 S West Blvd, Newfield, NJ 08344
1 1/2 Year Certificate
$500
0.30%
▼ 2.41% below national avg
▼
Rate0.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 2.41% below avg
Details
Penalties for early redemption: 1.5 years and over - 90 days interest penalty.
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
18 S West Blvd, Newfield, NJ 08344
2 1/2 Year Certificate
$500
0.30%
▼ 2.41% below national avg
▼
Rate0.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 2.41% below avg
Details
Penalties for early redemption: 1.5 years and over - 90 days interest penalty.
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
18 S West Blvd, Newfield, NJ 08344
2 Year Certificate
$500
0.30%
▼ 2.41% below national avg
▼
Rate0.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 2.41% below avg
Details
Penalties for early redemption: 1.5 years and over - 90 days interest penalty.
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
2201 Route 50, Woodbine, NJ 08270
24 Month Certificate
$500
0.04%
▼ 2.67% below national avg
▼
Rate0.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 2.67% below avg
Details
New Jersey 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.64% APY▼ 0.03% from last week
The national average 36-month CD rate is 2.64% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
3 years High-Yield CD
$500
4.35%
▲ 1.71% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.71% above avg
Details
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
2115 Linwood Ave, Fort Lee, NJ 07024
36 Month
$0
3.50%
▲ 0.86% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.86% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
78 Washington Ave, Westwood, NJ 07675
36 month to 47 month
$500
3.50%
▲ 0.86% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.86% above avg
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
667 Chestnut St, Union, NJ 07083
Term Share Account: and over - 3 years
$0
3.50%
▲ 0.86% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.86% above avg
Details
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1434 New Rd, Northfield, NJ 08225
36 months
$0
3.05%
▲ 0.41% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.41% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
36 Month Certificate
$1,000
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.36% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
36 Month IRA CD
$1,000
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.36% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
36 Month IRA Request Appointment
$1,000
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.36% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
36 Month Request Appointment
$1,000
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.36% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.29%
4400 Us Highway 9, Freehold, NJ 07728
36 Month CD
$500
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.36% above avg
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1434 New Rd, Northfield, NJ 08225
36 months
$0
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.36% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
120 Windsor Center Dr, East Windsor, NJ 08520
3 Year Certificate
$0
2.90%
▲ 0.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.26% above avg
Details
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
619 Union Ave, Middlesex, NJ 08846
3 years
$1,000
2.72%
▲ 0.08% above national avg
▼
Rate2.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.08% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
3-Year CD
$1,000
2.50%
▼ 0.14% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 0.14% below avg
Details
Rates and Terms shown are for CDs opened or renewed online only.
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1585 Oak Tree Rd, Iselin, NJ 08830
36 Month Certificate
$0
2.50%
▼ 0.14% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 0.14% below avg
Details
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
615 Burlington Ave, Delanco, NJ 08075
36 Month CD
$500
2.10%
▼ 0.54% below national avg
▼
Rate2.08%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 0.54% below avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 3 Year Certificate
$500
2.00%
▼ 0.64% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 0.64% below avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
222 Bridge Plz S, Fort Lee, NJ 07024
Millennium Club Account - 3 Years Term
$0
2.00%
▼ 0.64% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 0.64% below avg
Details
Fixed Rate. Minimum to open and obtain APY is $1,000 contract amount
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
3 Year Certificate
$0
1.25%
▼ 1.39% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.39% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
53 S Laurel St, Bridgeton, NJ 08302
3 Year
$0
1.00%
▼ 1.64% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.64% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
53 S Laurel St, Bridgeton, NJ 08302
3 Year TD Choice CD
$250
1.00%
▼ 1.64% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.64% below avg
Details
Relationship APY
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Sunset Road And Route 541, Burlington, NJ 08016
36 Month
$2,500
1.00%
▼ 1.64% below national avg
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.64% below avg
Details
Essex County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
125 Franklin St, Bloomfield, NJ 07003 5730
36 Month Share Certificate
$0
0.50%
▼ 2.14% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 2.14% below avg
Details
Penalty: 180 days
FNB of Elmer
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
10 S Main St, Elmer, NJ 08318
36 Month Certificate
$0
0.45%
▼ 2.19% below national avg
▼
Rate0.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 2.19% below avg
Details
Interest is Compounded/ Contracted: Monthly/Monthly
FNB of Elmer
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
10 S Main St, Elmer, NJ 08318
36 Month Fixed Rate IRA
$0
0.45%
▼ 2.19% below national avg
▼
Rate0.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 2.19% below avg
Details
Interest is Compounded/ Contracted: Quarterly/Quarterly
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
18 S West Blvd, Newfield, NJ 08344
3 Year Certificate
$500
0.40%
▼ 2.24% below national avg
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 2.24% below avg
Details
Penalties for early redemption: 1.5 years and over - 90 days interest penalty.
1st Bank of Sea Isle City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4301 Landis Ave, Sea Isle City, NJ 08243
36 Month Certificate
$500
0.39%
▼ 2.25% below national avg
▼
Rate0.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 2.25% below avg
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
2201 Route 50, Woodbine, NJ 08270
36 Month Certificate
$500
0.06%
▼ 2.58% below national avg
▼
Rate0.06%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 2.58% below avg
Details
New Jersey 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.65% APY▼ 0.02% from last week
The national average 48-month CD rate is 2.65% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
4 years High-Yield CD
$500
4.35%
▲ 1.70% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.70% above avg
Details
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
11 15 Cooke Ave, Carteret, NJ 07008
48 Month CD
$500
4.25%
▲ 1.60% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.60% above avg
Details
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
2115 Linwood Ave, Fort Lee, NJ 07024
48 Month
$0
3.60%
▲ 0.95% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.95% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
78 Washington Ave, Westwood, NJ 07675
48 month to 59 month
$500
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.85% above avg
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
667 Chestnut St, Union, NJ 07083
Term Share Account: and over - 4 years
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.85% above avg
Details
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1434 New Rd, Northfield, NJ 08225
48 months
$0
3.15%
▲ 0.50% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.50% above avg
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1434 New Rd, Northfield, NJ 08225
48 months
$0
3.10%
▲ 0.45% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.45% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
48 Month Certificate
$1,000
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.35% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
48 Month IRA CD
$1,000
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.35% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
48 Month IRA Request Appointment
$1,000
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.35% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
48 Month Request Appointment
$1,000
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.35% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
120 Windsor Center Dr, East Windsor, NJ 08520
4 Year Certificate
$0
2.90%
▲ 0.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.25% above avg
Details
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
619 Union Ave, Middlesex, NJ 08846
4 years
$1,000
2.62%
▼ 0.03% below national avg
▼
Rate2.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 0.03% below avg
Details
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1585 Oak Tree Rd, Iselin, NJ 08830
48 Month Certificate
$0
2.50%
▼ 0.15% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 0.15% below avg
Details
Century Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1376 W Sherman Ave, Vineland, NJ 08360
48 Month Certificate
$500
2.02%
▼ 0.63% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 0.63% below avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 4 Year Certificate
$500
2.00%
▼ 0.65% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 0.65% below avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
615 Burlington Ave, Delanco, NJ 08075
48 Month CD
$500
1.60%
▼ 1.05% below national avg
▼
Rate1.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 1.05% below avg
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Sunset Road And Route 541, Burlington, NJ 08016
48 Month
$2,500
0.75%
▼ 1.90% below national avg
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 1.90% below avg
Details
FNB of Elmer
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
10 S Main St, Elmer, NJ 08318
48 Month Certificate
$0
0.50%
▼ 2.15% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 2.15% below avg
Details
Interest is Compounded/ Contracted: Monthly/Monthly
FNB of Elmer
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
10 S Main St, Elmer, NJ 08318
48 Month Fixed Rate IRA
$0
0.50%
▼ 2.15% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 2.15% below avg
Details
Interest is Compounded/ Contracted: Quarterly/Quarterly
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
18 S West Blvd, Newfield, NJ 08344
4 Year Certificate
$500
0.45%
▼ 2.20% below national avg
▼
Rate0.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 2.20% below avg
Details
Penalties for early redemption: 1.5 years and over - 90 days interest penalty.
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
2201 Route 50, Woodbine, NJ 08270
48 Month Certificate
$500
0.08%
▼ 2.57% below national avg
▼
Rate0.08%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 2.57% below avg
Details
New Jersey 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.75% APY▼ 0.03% from last week
The national average 60-month CD rate is 2.75% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
30 Hudson St, Jersey City, NJ 07302
5 years High-Yield CD
$500
4.35%
▲ 1.60% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.60% above avg
Details
URSB United Roosevelt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
11 15 Cooke Ave, Carteret, NJ 07008
60 Month CD
$500
4.25%
▲ 1.50% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.50% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
78 Washington Ave, Westwood, NJ 07675
60 Month Certificate
$500
3.50%
▲ 0.75% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.75% above avg
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
667 Chestnut St, Union, NJ 07083
Term Share Account: and over - 5 years
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.75% above avg
Details
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1434 New Rd, Northfield, NJ 08225
60 months
$0
3.15%
▲ 0.40% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.40% above avg
Details
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1434 New Rd, Northfield, NJ 08225
60 months
$0
3.10%
▲ 0.35% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.35% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
60 Month Certificate
$1,000
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.25% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
60 Month IRA CD
$1,000
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.25% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
60 Month IRA Request Appointment
$1,000
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.25% above avg
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
105 River Ave, Lakewood, NJ 08701
60 Month Request Appointment
$1,000
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.25% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.29%
4400 Us Highway 9, Freehold, NJ 07728
60 Month CD
$500
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.25% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
120 Windsor Center Dr, East Windsor, NJ 08520
5 Year Certificate
$0
2.90%
▲ 0.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.15% above avg
Details
Public Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
619 Union Ave, Middlesex, NJ 08846
5 years
$1,000
2.52%
▼ 0.23% below national avg
▼
Rate2.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.23% below avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
5-Year CD
$1,000
2.50%
▼ 0.25% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.25% below avg
Details
Rates and Terms shown are for CDs opened or renewed online only.
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1585 Oak Tree Rd, Iselin, NJ 08830
60 Month Certificate
$0
2.50%
▼ 0.25% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.25% below avg
Details
Century Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1376 W Sherman Ave, Vineland, NJ 08360
60 Month Certificate
$500
2.02%
▼ 0.73% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.73% below avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
222 Bridge Plz S, Fort Lee, NJ 07024
Certificates of Deposit - 5 Year Certificate
$500
2.00%
▼ 0.75% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.75% below avg
Details
Fixed Rate. $500.00 Minimum to open and obtain APY
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
615 Burlington Ave, Delanco, NJ 08075
60 Month CD
$500
1.60%
▼ 1.15% below national avg
▼
Rate1.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.15% below avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
99 Wood Ave S, Iselin, NJ 08830
5 Year Certificate
$0
1.25%
▼ 1.50% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.50% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
53 S Laurel St, Bridgeton, NJ 08302
5 Year
$0
1.00%
▼ 1.75% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.75% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
53 S Laurel St, Bridgeton, NJ 08302
5 Year TD Choice CD
$250
1.00%
▼ 1.75% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.75% below avg
Details
Relationship APY
Essex County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
125 Franklin St, Bloomfield, NJ 07003 5730
60 Month Share Certificate
$0
0.75%
▼ 2.00% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 2.00% below avg
Details
Penalty: 180 days
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Sunset Road And Route 541, Burlington, NJ 08016
60 Month
$2,500
0.75%
▼ 2.00% below national avg
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 2.00% below avg
Details
FNB of Elmer
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
10 S Main St, Elmer, NJ 08318
60 Month Certificate
$0
0.55%
▼ 2.20% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 2.20% below avg
Details
Interest is Compounded/ Contracted: Monthly/Monthly
FNB of Elmer
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
10 S Main St, Elmer, NJ 08318
60 Month Fixed Rate IRA
$0
0.55%
▼ 2.20% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 2.20% below avg
Details
Interest is Compounded/ Contracted: Quarterly/Quarterly
Newfield National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
18 S West Blvd, Newfield, NJ 08344
5 Year Certificate
$500
0.55%
▼ 2.20% below national avg
▼
Rate0.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 2.20% below avg
Details
Penalties for early redemption: 1.5 years and over - 90 days interest penalty.
1st Bank of Sea Isle City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4301 Landis Ave, Sea Isle City, NJ 08243
60 Month Certificate
$500
0.42%
▼ 2.33% below national avg
▼
Rate0.42%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 2.33% below avg
Details
1st Bank of Sea Isle City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4301 Landis Ave, Sea Isle City, NJ 08243
60 months Traditional or ROTH IRA
$500
0.42%
▼ 2.33% below national avg
▼
Rate0.42%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 2.33% below avg
Details
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
2201 Route 50, Woodbine, NJ 08270
60 Month Certificate
$500
0.13%
▼ 2.62% below national avg
▼
Rate0.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 2.62% below avg
Details
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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.
New Jersey CD Rate Trends
Compare local New Jersey 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
2.840%
▲ 1.103 vs 7 days ago
New Jersey 12-month CD rates rose 1.103 points over the past 7 days to 2.840% APY.
6-Month CD NJ Avg
2.669%
▲ 1.267 vs 7 days ago
New Jersey 6-month CD rates rose 1.267 points over the past 7 days to 2.669% APY.
As of Sep 10, 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 September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NJ 12-Month Avg APY
2.840%
6-Month Forecast
2.840%
Range: 2.64% – 2.99%
12-Month Forecast
3.090%
Range: 2.89% – 3.24%
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What Your Savings Earn at NJ CD Rates Today
Annual interest earnings at today’s New Jersey average APYs. State average used where available; national average as fallback.
| CD Term | NJ Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.993% | $99.65 | $199.29 | $498.22 | $996.45 |
| 6-Month CD | 2.669% | $133.45 | $266.90 | $667.25 | $1,334.50 |
| 12-Month CD | 2.840% | $142.01 | $284.02 | $710.05 | $1,420.10 |
| 18-Month CD | 2.673% | $133.67 | $267.34 | $668.35 | $1,336.70 |
| 24-Month CD | 2.712% | $135.61 | $271.23 | $678.07 | $1,356.15 |
| 36-Month CD | 2.640% | $132.02 | $264.03 | $660.07 | $1,320.15 |
| 48-Month CD | 2.652% | $132.61 | $265.23 | $663.07 | $1,326.15 |
| 60-Month CD | 2.747% | $137.35 | $274.69 | $686.73 | $1,373.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 9, 2026. | |||||
Sample CD Ladder for 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 | 1.993% | $99.65 |
| 2 | 6-Month CD | $5,000 | 2.669% | $133.45 |
| 3 | 12-Month CD | $5,000 | 2.840% | $142.01 |
| 4 | 24-Month CD | $5,000 | 2.712% | $135.61 |
| 5 | 36-Month CD | $5,000 | 2.640% | $132.02 |
| Total ($25,000 invested) | $25,000 | 2.571% blended | $642.74/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.
206
CD Rates
Tracked in New Jersey
Tracked in New Jersey
23 Banks
6 Credit Unions
About Our New Jersey CD Rate Database
MonitorBankRates tracks 206 CD rates from 23 banks and 6 credit unions with locations in 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: Habib American HAB Bank offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in New Jersey.
How to Find the Best CD Rates in New Jersey
What to compare when shopping for a CD in New Jersey
To find the best APYs in New Jersey, start with credit unions and online-only banks: New Jersey has 6 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 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 New Jersey: 29 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare New Jersey savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare New Jersey money market rates
New Jersey Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
17.2%
National avg: 17.3%
Median Individual Earnings
$55,173
National avg: $47,340
Poverty Rate
9.7%
National avg: 11.1%
Unemployment Rate
6.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$157/yr
At NJ 12-mo avg 2.840% APY
17.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s NJ 12-month CD average of 2.840%, saving 10% of the local median salary ($5,517/year) and putting it in a CD would earn an additional $157 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 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 |
How Certificates of Deposit Work in New Jersey
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in New Jersey typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in New Jersey as everywhere in the U.S.
Choosing a CD Term in New Jersey
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give New Jersey savers easier access to their funds. For example, Habib American HAB Bank is offering its 6 Month Certificate at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Marcus Bank is offering its 5 years High-Yield CD at 4.35% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for New Jersey Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a New Jersey saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in New Jersey
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the New Jersey CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in New Jersey
Most CDs carry a fixed rate that is locked for the entire term, protecting a New Jersey depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in New Jersey
Are CD rates in New Jersey FDIC insured?
Yes, most established banks in 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 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 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 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 New Jersey?
Here are recent top rates found for this area:
- Habib American HAB Bank : 4.50% APY (12 Month Certificate)
- Marcus Bank: 4.35% APY (18 mo)
- URSB United Roosevelt Savings Bank: 4.25% APY (48 Month CD)
- New Millennium Bank: 4.15% APY (Certificates of Deposit - 12 Month Certificate)
- Columbia Bank: 4.00% APY (18 Month Advantage CD)
- OceanFirst Bank: 3.85% APY (6 Month CD)
- Flagstar Bank, National Association: 3.80% APY (12-MONTH CD)
- Cross River Bank: 3.75% APY (3 Month)
- First Commerce Bank (NJ): 3.75% APY (18 Month Certificate)
- Visions Federal Credit Union: 3.75% APY (24 month to 29 month)
Rates reflect recent verified offers available in New Jersey. Last Updated: September 9, 2026
New Jersey CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current New Jersey rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for New Jersey
New Jersey CD Calculator
At today’s NJ top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
New Jersey CD LadderNJ CD rates currently range from 1.993% (3-month) to 2.640% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a New Jersey CD at 4.50% 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 2.840% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Jersey CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for New Jersey directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in 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: September 9, 2026
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