Mount Laurel, New Jersey CD Rates Today - Compare Best APYs for July 2026
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Brian McKay
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Current Mount Laurel, New Jersey CD rates include Columbia BankColumbia Bank99 Ramblewood Pkwy, Mount Laurel, NJ 08054A+5.0 ★Texas Ratio: 1.65%Real return: +1.30%APY minus CPI (February 2026) offering 18-Month CD at 4.10% APY, Andrews Federal Credit UnionAndrews Federal Credit Union3113 Route 38, Mount Laurel, NJ 08054A5.0 ★Texas Ratio: 11.23%Real return: +0.95%APY minus CPI (February 2026) offering Jumbo Traditional, Educational, and Roth IRA Share Certificates 36-month at 3.75% APY, First Harvest Federal Credit UnionFirst Harvest Federal Credit Union1180A Nixon Dr, Mount Laurel, NJ 08054 1172A+5.0 ★Texas Ratio: 4.42%Real return: +0.80%APY minus CPI (February 2026) offering 18 Month Certificate at 3.60% APY, Fulton BankFulton Bank533 Fellowship Rd, Mount Laurel, NJ 08054A+5.0 ★Texas Ratio: 4.98%Real return: +0.40%APY minus CPI (February 2026) offering 36-Month Bump Up at 3.20% APY, and Cornerstone Bank Moorestown, NJCornerstone Bank Moorestown, NJ6000 Midlantic Dr Suite 120s, Mount Laurel, NJ 08054A+5.0 ★Texas Ratio: 1.58%Real return: -1.30%APY minus CPI (February 2026) offering 36 Month at 1.50% APY. CD rates as of July 25, 2026 according to verified data from MonitorBankRates.
Mount Laurel has 64 local institutions in our database, with CD rates as high as 4.10% APY from Columbia Bank at 99 Ramblewood Pkwy, Mount Laurel, NJ 08054. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader New Jersey area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 25, 2026
Compare Best CD Rates in Mount Laurel, New Jersey & the Surrounding Area
Mount Laurel 3 Month CD Rates
Renewal Accounts: Interest Rate 0.05 %, APY 0.05 %
Earn 3.55% APY on balances of $500 or more.
Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Mount Laurel 6 Month CD Rates
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/9/2026. 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 %, APY 0.05 %
Renewal Accounts: Interest Rate 0.05 %, APY 0.05 %
Online Only
Exclusively for Premier clients. Minimum deposit of $1,000 is required.
Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.
Online CDs Only available to existing Premier customers.
($10K min NEW money) Interest is Compounded/ Contracted: Monthly/Monthly
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.
Mount Laurel 12 Month CD Rates
Relationship APY: 1.00%
Amazing CD rates as High as 4.060% APY; Open a 9, or 12-month CD and receive this special rate!
2
Exclusively for Premier clients. Minimum deposit of $1,000 is required.
Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.
Online CDs Only available to existing Premier customers.
Renewal Accounts: Interest Rate 0.05 %, APY 0.05 %
Renewal Accounts: Interest Rate 0.05 %, APY 0.05 %
Over $50,000
As Low As
Early Withdrawal Penalty: 3 Months Interest
Early Withdrawal Penalty: 3 Months Interest
Early Withdrawal Penalty: 3 Months Interest
Mount Laurel 18 Month CD Rates
For a limited time, get a competitive rate with just $500 to open.
3 | New Deposits Only
Continuously/ Monthly
Continuously/ Monthly
Renewal Accounts: Interest Rate 0.05 %, APY 0.05 %
Renewal Accounts: Interest Rate 0.05 %, APY 0.05 %
Variable Rate
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/11/2026. 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.
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Payment of Interest: Monthly or Quarterly
Early withdrawal fees apply.
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.
Early Withdrawal Penalty: 6 Months Interest
Mount Laurel 24 Month CD Rates
Payment of Interest: Monthly or Quarterly
Exclusively for Premier clients. Minimum deposit of $1,000 is required.
Online CDs Only available to existing Premier customers.
Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.
Renewal Accounts: Interest Rate 0.05 %, APY 0.05 %
Renewal Accounts: Interest Rate 0.05 %, APY 0.05 %
Early Withdrawal Penalty: 6 Months Interest
Interest Credited Monthly
Over $50,000
Online Only
Mount Laurel 36 Month CD Rates
Renewal Accounts: Interest Rate 0.05 %, APY 0.05 %
Renewal Accounts: Interest Rate 0.05 %, APY 0.05 %
Early withdrawal fees apply.
new money only^
APY is fixed for a 36-month term. Early withdrawal penalties may be imposed.
Payment of Interest: Monthly or Quarterly
Mount Laurel 48 Month CD Rates
APY is fixed for a 48-month term.
Payment of Interest: Monthly or Quarterly
Early Withdrawal Penalty: 18 Months Interest
Mount Laurel 60 Month CD Rates
Renewal Accounts: Interest Rate 0.05 %, APY 0.05 %
Payment of Interest: Monthly or Quarterly
Early Withdrawal Penalty: 18 Months Interest
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Mount Laurel, NJ CD Rate Trends
Compare local Mount Laurel, 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 0.042 points over the past 7 days to 1.762% APY.
New Jersey 6-month CD rates rose 0.052 points over the past 7 days to 1.654% APY.
NJ CD Rate Forecast — Next 12 Months
Where are New Jersey CD rates headed through July 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 | 1.208% | $60.41 | $120.82 | $302.05 | $604.10 |
| 6-Month CD | 1.654% | $82.70 | $165.39 | $413.48 | $826.95 |
| 12-Month CD | 1.762% | $88.09 | $176.17 | $440.43 | $880.85 |
| 18-Month CD | 2.099% | $104.96 | $209.91 | $524.78 | $1,049.55 |
| 24-Month CD | 1.978% | $98.89 | $197.77 | $494.43 | $988.85 |
| 36-Month CD | 1.998% | $99.91 | $199.82 | $499.55 | $999.10 |
| 48-Month CD | 1.840% | $91.98 | $183.95 | $459.88 | $919.75 |
| 60-Month CD | 1.536% | $76.79 | $153.58 | $383.95 | $767.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 25, 2026. | |||||
Sample CD Ladder for Mount Laurel, 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 | 1.208% | $60.41 |
| 2 | 6-Month CD | $5,000 | 1.654% | $82.70 |
| 3 | 12-Month CD | $5,000 | 1.762% | $88.09 |
| 4 | 24-Month CD | $5,000 | 1.978% | $98.89 |
| 5 | 36-Month CD | $5,000 | 1.998% | $99.91 |
| Total ($25,000 invested) | $25,000 | 1.720% blended | $430.00/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 Mount Laurel, New Jersey
About Our Mount Laurel, New Jersey CD Rate Database
MonitorBankRates tracks 566 CD rates from 44 banks and 29 credit unions with locations in Mount Laurel, 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: Columbia Bank offers a CD at 4.10% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Mount Laurel, New Jersey.
How to Find the Best CD Rates in Mount Laurel, New Jersey
What to compare when shopping for a CD in Mount Laurel, New Jersey
To find the best APYs in Mount Laurel, New Jersey, start with credit unions and online-only banks — Mount Laurel, New Jersey has 29 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 Mount Laurel, 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 Mount Laurel, New Jersey — 73 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Mount Laurel, New Jersey savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Mount Laurel, New Jersey money market rates
New Jersey Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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 1.762%, saving 10% of the local median salary ($5,517/year) and putting it in a CD would earn an additional $97 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Mount Laurel, 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 Mount Laurel, 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 Mount Laurel, 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 Mount Laurel, New Jersey as everywhere in the U.S.
Choosing a CD Term in Mount Laurel, 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 Mount Laurel, New Jersey savers easier access to their funds. For example, Andrews Federal Credit Union is offering its 6-month at 2.60% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Andrews Federal Credit Union is offering its 60-month at 3.75% 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 Mount Laurel, 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 Mount Laurel, 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 Mount Laurel, 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 Mount Laurel, 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 Mount Laurel, New Jersey
Most CDs carry a fixed rate that is locked for the entire term, protecting a Mount Laurel, 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 Mount Laurel, New Jersey
Are CD rates in Mount Laurel, New Jersey FDIC insured?
Do I have to pay state taxes on CD interest in Mount Laurel, 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 Mount Laurel, New Jersey?
- Columbia Bank: 4.10% APY (18-Month CD)
- Andrews Federal Credit Union: 3.75% APY (48-month)
- First Harvest Federal Credit Union: 3.60% APY (18 Month Certificate)
- Fulton Bank: 3.20% APY (36-Month Bump Up)
- Cornerstone Bank Moorestown, NJ: 1.50% APY (18 Month)
- TD Bank: 1.00% APY (6 Month)
- New Jersey Law And Public Safety Credit Union: 5.00% APY (6 MONTH)
- Nova UA Federal Credit Union: 4.38% APY (3 Month IRA Share Certificate Special)
- SOUTHERN MIDDLESEX CO TCHRS: 4.25% APY (5 year CD)
- Ascendia Bank: 4.20% APY (60-Month)
CD Calculators for Mount Laurel, New Jersey
At today’s NJ top rate of 4.10% APY, a $10,000 deposit earns $410 in the first year. Enter your amount to see your exact return.
Mount Laurel, New Jersey CD LadderNJ CD rates currently range from 1.208% (3-month) to 1.998% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Mount Laurel, New Jersey CD at 4.10% 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 1.762% 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 Mount Laurel, 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 Mount Laurel, 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 Mount Laurel, 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.
Mount Laurel, New Jersey Rates & Resources
