CD Rates Hackensack, New Jersey (NJ) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Hackensack, New Jersey CD rates include ValleyDirectValleyDirect450 Broadway, New York, NY 10013A+5.0 ★Texas Ratio: 3.76% offering 12-month CD promotion at 3.65% APY, Blue Foundry BankBlue Foundry Bank19 Park Ave, Rutherford, NJ 07070A+5.0 ★Texas Ratio: 2.56% offering 60 Month Term CDs at 3.25% APY, Wells FargoWells Fargo200 W Base St, Madison, FL 32340A5.0 ★Texas Ratio: 7.44% offering 1 year Standard Fixed Rate CD at 1.51% APY, TD BankTD Bank324 Main St, Greenfield, MA 01301A5.0 ★Texas Ratio: 6.30% offering 12 Month Choice CD at 1.00% APY, and Spencer Savings BankSpencer Savings Bank611 River Dr, Elmwood Park, NJ 07407A+5.0 ★Texas Ratio: 2.42% offering 60 Month IRA at 0.65% APY.
To help you find the best CD rates in Hackensack, New Jersey, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: March 20, 2026
Hackensack, NJ CD Rate Trends
Compare local Hackensack, NJ CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — NJ Avg
1.705%
▼ 0.795 from last week
New Jersey 12-month CD rates fell 0.795 points this week to 1.705% APY, down from 2.500% last week.
6-Month CD — NJ Avg
1.484%
▼ 0.516 from last week
New Jersey 6-month CD rates fell 0.516 points this week to 1.484% APY, down from 2.000% last week.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Best CD Rates in Hackensack, New Jersey & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
3-Month Fixed Rate CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
3 Month Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 15, 2026
Details
Relationship APY
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
851 Allwood Rd, Clifton, NJ 07012
3 Month Share Certificate Special
$0
4.12%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
330 5th Ave, New York, NY 10001
WooriWON 3-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
Online Only
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
3 Month Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
29 Main Street, Tremont, PA 17981
Certificate of Deposit 3 Month Term
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1410 Saint Georges Ave, Avenel, NJ 07001
3 month IRA
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
3 Month Certificate of Deposit - Branch
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
29 Main Street, Tremont, PA 17981
3 Month Term Certificate
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
Customers Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
40 General Warren Blvd, Malvern, PA 19355
3-month CD
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
$500 minimum to open and earn APY
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
3 month CD's
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
6-Month Certificate of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
6-Month Fixed Rate CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
6 Month Choice CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Relationship APY
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
6 Month Term CDs
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
6 Month Terms CD
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
Terms CD 6 MONTH
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
6 Month IRA
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
700 N Cedar Rd, Jenkintown, PA 19046 4109
6 Month Certificate
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Early Withdrawal Penalty: 1 month interest
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
6 Month Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
6 Month Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
Business 6 Month Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
6 Month Share Certificates / Share Certificate IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
655 3rd Ave Fl 9, New York, NY 10017
6 Month CD
$5,000
3.85%
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
UpdatedMar 20, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
12-month CD promotion
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
New money deposit only
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
12-Month CD
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
12 Month Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 15, 2026
Details
Relationship APY
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
12 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 15, 2026
Details
Relationship APY
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
12 Month Term CDs
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
12 Month Terms CD
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
Terms CD 12 MONTH
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
12 Month IRA
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
12 Month Share Certificates / Share Certificate IRA
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
12 Month Certificate
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Rate Special
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
1 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
1 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
Business 1 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
18-Month Fixed Rate CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
18 Month Choice CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Relationship APY
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
18 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 15, 2026
Details
Relationship APY
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
18 Month IRA
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
18 Month Certificate
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Rate Special
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
18 Month (Legacy Club) Certificates/IRA Certificates
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
18 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Pinnacle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
2909 Washington Rd Ste 10, Parlin, NJ 08859
18 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ 07801
18 month IRA share certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ 07801
18 month share certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
700 N Cedar Rd, Jenkintown, PA 19046 4109
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Early Withdrawal Penalty: 3 months interest
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
24-Month Certificate of Deposit
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
24-Month Fixed Rate CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
24 Month IRA
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
24 Month Term CDs
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
24 Month Terms CD
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
Terms CD 24 MONTH
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
2 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
2 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
Business 2 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
24 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Rate Special
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
24 Month Share Certificates / Share Certificate IRA
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
24 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
24 Month Step-Up Certificate
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Member can request a one-time rate increase prior to maturity. On the date of the request, we will adjust the rate to match the USALLIANCE rate posted for the current Step-Up certificate with the same original maturity (12 or 24 months).
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
700 N Cedar Rd, Jenkintown, PA 19046 4109
24 Month Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Early Withdrawal Penalty: 3 months interest
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 24 Mo.
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMar 16, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
36-Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
36-Month Fixed Rate CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
3 Year Certificate
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 15, 2026
Details
Relationship APY
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
3 Year Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 15, 2026
Details
Relationship APY
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
36 Month IRA
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
36 Month Term CDs
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
36 Month Terms CD
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
Terms CD 36 MONTH
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
3 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
3 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
Business 3 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
36 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Rate Special
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
36 Month Share Certificates / Share Certificate IRA
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
36 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 36-Month Variable
$100,000
3.67%
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
48-Month Fixed Rate CD
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
48 Month Term CDs
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
48 Month Terms CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
Terms CD 48 MONTH
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
48 Month IRA
$500
0.55%
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
4 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
4 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
Business 4 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
48 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
48 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
48 Month Certificate of Deposit - Branch
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ 07801
48 month IRA share certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ 07801
48 month share certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 48 Mo.
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMar 16, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
60 Month Term CDs
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
60 Month Terms CD
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
Terms CD 60 MONTH
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
5 Year Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 15, 2026
Details
Relationship APY
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
60 Month IRA
$500
0.65%
▼
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
5 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
5 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
Business 5 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
60 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
700 N Cedar Rd, Jenkintown, PA 19046 4109
60 Month Certificate
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Early Withdrawal Penalty: 6 months interest
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
60 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
United Poles Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
5 Year IRA Certificate of Deposit
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
60-Month Certificates of Deposit
$500
3.60%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ 07801
60 month IRA share certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ 07801
60 month share certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Frequently Asked Questions about CD Rates in Hackensack, New Jersey
Are CD rates in Hackensack, New Jersey FDIC insured?
Yes, most established banks in Hackensack, 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 Hackensack, 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 Hackensack, 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 Hackensack, 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 Hackensack, New Jersey?
Here are recent top rates found for this area:
- Nova UA Federal Credit Union: 4.12% APY (3 Month Share Certificate Special)
- USALLIANCE: 4.10% APY (18 Month Certificate)
- Ukrainian Selfreliance Federal Credit Union: 4.08% APY (6 Month Certificate)
- Healthcare Employees Federal Credit Union: 4.06% APY (12 Month Share Certificates / Share Certificate IRA)
- Copper State Credit Union: 4.00% APY (5 Year Certificate)
- Woori America Bank: 4.00% APY (WooriWON 3-month CD)
- American Heritage Federal Credit Union: 3.91% APY (18 Month (Legacy Club) Certificates/IRA Certificates)
- OceanFirst Bank: 3.85% APY (6 Month CD)
- Mid Penn Bank: 3.80% APY (Certificate of Deposit 3 Month Term)
- Northfield Bank: 3.75% APY (3 month IRA)
Rates reflect recent verified offers available in Hackensack, New Jersey. Last Updated: March 20, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Hackensack, New Jersey directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Hackensack, New Jersey. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NJ.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: March 20, 2026
