Highland Lakes, New Jersey CD Rates Today - Compare Best APYs for June 2026
Brian McKay
Brian McKay
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Current Highland Lakes, New Jersey CD rates include Jersey Central Federal Credit UnionJersey Central Federal Credit UnionA5.0 ★Texas Ratio: 6.05%Real return: +1.40%APY minus CPI (February 2026) offering 5 year CD at 4.20% APY, Nova UA Federal Credit UnionNova UA Federal Credit UnionA+5.0 ★Texas Ratio: 0.88%Real return: +1.32%APY minus CPI (February 2026) offering 3 Month Share Certificate Special at 4.12% APY, Columbia BankColumbia BankA+5.0 ★Texas Ratio: 1.65%Real return: +1.30%APY minus CPI (February 2026) offering 18-Month CD at 4.10% APY, Freehold BankFreehold BankA+5.0 ★Texas Ratio: 0.32%Real return: +1.30%APY minus CPI (February 2026) offering 18-Month CD at 4.10% APY, and Community Financial Services Federal Credit UnionCommunity Financial Services Federal Credit UnionF3.0 ★Texas Ratio: 34.18%Real return: +1.27%APY minus CPI (February 2026) offering Share Certificate - 6 Month at 4.07% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Highland Lakes is a smaller community with no bank or credit union branches currently in our database. 718 institutions serving the New Jersey area are available to Highland Lakes residents, with CD rates as high as 4.20% APY from Jersey Central Federal Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 16, 2026
Compare Best CD Rates in Highland Lakes, New Jersey & the Surrounding Area
Highland Lakes 3 Month CD Rates
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
Earn 3.55% APY on balances of $500 or more. Account matures in 3 months. $500 minimum opening balance. It's easy to get started with a minimum opening balance of $500. Lock in a competitive rate for a 3-month term - regardless of changing interest rates. After 3 months, you can decide your next steps on your savings. Fund your CD with as much as $500,000 online and up to $1,000,000 in a branch.
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 1 month loss of dividends on a 3-month certificate. Rates are subject to change without notice. RFCU membership and proper ID are required to open a certificate.
Traditional/Roth IRA
Jumbo Certificate
Regular
Traditional/Roth IRA
Regular Certificate
Dividends on 3 and 6 month certificates are paid at maturity. Early Withdrawal Penalty: 30 Days Dividends
Relationship APY
Interest credited monthly.
Highland Lakes 6 Month CD Rates
Dividends on 3 and 6 month certificates are paid at maturity. Early Withdrawal Penalty: 30 Days Dividends
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.
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
Online Only
($10K min NEW money); Interest is Compounded/ Contracted: Monthly/Monthly
Balance: $25,000 & Over
Balance: $10,000 - $24,999.99
Only available to existing Premier customers.
Opened over the telephone or in a Wealth Center.
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months. It's easy to get started with a minimum opening balance of $500. Lock in a competitive rate for a 6-month term - regardless of changing interest rates. After 6 months, you can decide your next steps on your savings. Fund your CD with as much as $500,000 online and up to $1,000,000 in a branch.
Balance: $1,000 - $9,999.99
Online Only; APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the then current published FCB APY for that term. A penalty will be assessed for early withdrawal and could reduce earnings on this account. Interest and APY rates are subject to change without prior notice.
Traditional/Roth IRA
No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 3 month loss of dividends on a 6-month certificate. Rates are subject to change without notice. RFCU membership and proper ID are required to open a certificate.
Traditional/Roth IRA
Highland Lakes 12 Month CD Rates
Special rate.
2
IRA Only
IRA Certificate
Jumbo
Promotional rate. Minimum balance to open regular share certificate and obtain APY is $100. At maturity, promotional certificates will not renew.
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
Only available to existing Premier customers.
Over $50,000
Opened over the telephone or in a Wealth Center.
As low as; APR*
Early Withdrawal Penalty: 90 Days Dividends
Early Withdrawal Penalty: 3 Months Interest
Regular
Highland Lakes 18 Month CD Rates
For a limited time, get a competitive rate with just $500 to open.
For a limited time, get a competitive rate with just $500 to open.
existing funds
3 | New Deposits Only
Legacy Club
Minimum balance to earn APY: $100,000
Variable Rate **
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.
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
Balance: $25,000 & Over
Balance: $10,000 - $24,999.99
Balance: $1,000 - $9,999.99
Highland Lakes 24 Month CD Rates
Opened over the telephone or in a Wealth Center.
Only available to existing Premier customers.
Add on
Add on
Early Withdrawal Penalty: 90 Days Dividends
Add on
Add on
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
Minimum balance to earn APY: $100,000
Special
Frequency of Crediting Interest: Monthly
Special
Over $50,000
Online Only
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 6 months loss of dividends on a 1 year+ month certificate. Rates are subject to change without notice. RFCU membership and proper ID are required to open a certificate.
Highland Lakes 36 Month CD Rates
Minimum balance to earn APY: $100,000
Early Withdrawal Penalty: 90 Days Dividends
Minimum balance to earn APY: $100,000
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
new money only^
Earn 3.20% APY on balances of $500 or more.
Traditional/Roth IRA
Jumbo
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 6 months loss of dividends on a 1 year+ month certificate. Rates are subject to change without notice. RFCU membership and proper ID are required to open a certificate.
Traditional/Roth IRA
Highland Lakes 48 Month CD Rates
Minimum balance to earn APY: $100,000
Traditional/Roth IRA
Jumbo
Earn 3.05% APY on balances of $500 or more.
Traditional/Roth IRA
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 6 months loss of dividends on a 1 year+ month certificate. Rates are subject to change without notice. RFCU membership and proper ID are required to open a certificate.
Regular
Jumbo Certificate
Regular Certificate
Balance: $25,000 & Over
Highland Lakes 60 Month CD Rates
Early Withdrawal Penalty: 180 Days Dividends
Renewal Accounts Interest Rate: 0.05 %; Renewal Accounts APY: 0.05 %
Minimum balance to earn APY: $100,000
$100,000
Jumbo
Traditional/Roth IRA
Regular
Traditional/Roth IRA
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 6 months loss of dividends on a 1 year+ month certificate. Rates are subject to change without notice. RFCU membership and proper ID are required to open a certificate.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Highland Lakes, NJ CD Rate Trends
Compare local Highland Lakes, NJ CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Jersey 12-month CD rates rose 0.021 points over the past 7 days to 1.918% APY.
New Jersey 6-month CD rates rose 0.015 points over the past 7 days to 1.650% APY.
NJ CD Rate Forecast — Next 12 Months
Where are New Jersey CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.403% | $70.13 | $140.25 | $350.63 | $701.25 |
| 6-Month CD | 1.650% | $82.52 | $165.03 | $412.58 | $825.15 |
| 12-Month CD | 1.918% | $95.90 | $191.79 | $479.48 | $958.95 |
| 18-Month CD | 1.927% | $96.36 | $192.72 | $481.80 | $963.60 |
| 24-Month CD | 1.965% | $98.25 | $196.50 | $491.25 | $982.50 |
| 36-Month CD | 1.973% | $98.67 | $197.33 | $493.33 | $986.65 |
| 48-Month CD | 2.029% | $101.43 | $202.86 | $507.15 | $1,014.30 |
| 60-Month CD | 1.712% | $85.59 | $171.17 | $427.93 | $855.85 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
Sample CD Ladder for Highland Lakes, 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 | 1.403% | $70.13 |
| 2 | 6-Month CD | $5,000 | 1.650% | $82.52 |
| 3 | 12-Month CD | $5,000 | 1.918% | $95.90 |
| 4 | 24-Month CD | $5,000 | 1.965% | $98.25 |
| 5 | 36-Month CD | $5,000 | 1.973% | $98.67 |
| Total ($25,000 invested) | $25,000 | 1.782% blended | $445.47/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.
Tracked in Highland Lakes, New Jersey
About Our Highland Lakes, New Jersey CD Rate Database
MonitorBankRates tracks 656 CD rates from 46 banks and 43 credit unions with locations in Highland Lakes, 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: Jersey Central Federal Credit Union offers a CD at 4.20% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Highland Lakes, New Jersey.
How to Find the Best CD Rates in Highland Lakes, New Jersey
What to compare when shopping for a CD in Highland Lakes, New Jersey
To find the best APYs in Highland Lakes, New Jersey, start with credit unions and online-only banks — Highland Lakes, New Jersey has 43 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 Highland Lakes, 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 Highland Lakes, New Jersey — 89 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Highland Lakes, New Jersey savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Highland Lakes, New Jersey money market rates
Highland Lakes, New Jersey Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
26.6% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s NJ 12-month CD average of 1.918%, saving 10% of the local median salary ($6,806/year) and putting it in a CD would earn an additional $131 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 Highland Lakes, 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 Highland Lakes, 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 Highland Lakes, 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 Highland Lakes, New Jersey as everywhere in the U.S.
Choosing a CD Term in Highland Lakes, 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 Highland Lakes, New Jersey savers easier access to their funds. For example, Community Financial Services Federal Credit Union is offering its Share Certificate - 6 Month at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Jersey Central Federal Credit Union is offering its 5 year CD at 4.20% 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 Highland Lakes, 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 Highland Lakes, 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 Highland Lakes, 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 Highland Lakes, 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 Highland Lakes, New Jersey
Most CDs carry a fixed rate that is locked for the entire term, protecting a Highland Lakes, 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 Highland Lakes, New Jersey
Are CD rates in Highland Lakes, New Jersey FDIC insured?
Do I have to pay state taxes on CD interest in Highland Lakes, New Jersey?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Highland Lakes, New Jersey?
- Jersey Central Federal Credit Union: 4.20% APY (5 year CD)
- Nova UA Federal Credit Union: 4.12% APY (3 Month Share Certificate Special)
- Columbia Bank: 4.10% APY (18-Month CD)
- Freehold Bank: 4.10% APY (18-Month CD)
- Community Financial Services Federal Credit Union: 4.07% APY (Share Certificate - 6 Month)
- Healthcare Employees Federal Credit Union: 4.06% APY (9, or 12-month CD)
- XCEL Federal Credit Union: 4.05% APY (12 Months)
- Self Reliance NY Federal Credit Union: 4.02% APY (6 Months)
- Unity Bank: 4.00% APY (18 Month CD)
- Blue Foundry Bank: 4.00% APY (12 MONTH CELEBRATION CD)
CD Calculators for Highland Lakes, New Jersey
At today’s NJ top rate of 4.20% APY, a $10,000 deposit earns $420 in the first year. Enter your amount to see your exact return.
Highland Lakes, New Jersey CD LadderNJ CD rates currently range from 1.403% (3-month) to 1.973% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Highland Lakes, New Jersey CD at 4.20% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew Jersey’s average 12-month CD is 1.918% 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 Highland Lakes, 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 Highland Lakes, 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 Highland Lakes, 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.
Highland Lakes, New Jersey Rates & Resources
