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CD Rate Trends

Ramsey, New Jersey Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Ramsey, New Jersey CD rates range from 0.05% to 5.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Ramsey, New Jersey CD rates include TrustCo BankTrustCo Bank385 N Franklin Tpke, Ramsey, NJ 07446A+5.0 ★Texas Ratio: 4.14%Real return: +0.70%APY minus CPIRate verified Oct 21, 2026 offering 6 Month CD at 4.40% APY, TD BankTD Bank1100 Lake St, Ramsey, NJ 07446A+5.0 ★Texas Ratio: 3.71%Real return: +0.60%APY minus CPIRate verified Oct 22, 2026 offering 24 Month TD Choice CD at 4.30% APY, M&T BankM&T Bank185 Arch St, Ramsey, NJ 07446A+5.0 ★Texas Ratio: 4.11%Real return: +0.15%APY minus CPIRate verified Oct 22, 2026 offering 18 MONTH SELECT Certificate of Deposit at 3.85% APY, ValleyDirectValleyDirect161 N Franklin Tpke, Ramsey, NJ 07446A+5.0 ★Texas Ratio: 5.76%Real return: -0.15%APY minus CPIRate verified Oct 20, 2026 offering 3-Month Certificate of Deposit at 3.55% APY, and Popular DirectPopular DirectA+5.0 ★Texas Ratio: 2.12%Real return: +1.30%APY minus CPIRate verified Oct 19, 2026 offering 60 Month CD at 5.00% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Ramsey has 33 local institutions in our database, with CD rates as high as 4.40% APY from TrustCo Bank at 385 N Franklin Tpke, Ramsey, NJ 07446. 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, 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: October 23, 2026

Compare Best CD Rates in Ramsey, New Jersey & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Ramsey 3 Month CD Rates

New Jersey 3 Month CD Average2.11% APYNational 2.13%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
161 N Franklin Tpke, Ramsey, NJ 07446
3-Month Certificate of Deposit
$500
3.55% ▲ 1.44% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.11%▲ 1.44% above avgNationally 2.13%
Details

Earn 3.55% APY on balances of $500 or more; $500 minimum daily balance required to obtain advertised APY; Fund with as much as $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
3 Month TD Choice CD
$250
2.00% ▼ 0.11% below New Jersey avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.11%▼ 0.11% below avgNationally 2.13%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
3 Month TD Choice CD
$250
1.99% ▼ 0.12% below New Jersey avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.11%▼ 0.12% below avgNationally 2.13%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
CD - 3 Month
$0
4.32% ▲ 2.21% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.11%▲ 2.21% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 4.32% APY
3.82%4.32%4.82%Oct 22, 2026: 4.32% APYOct 22, 2026Oct 25, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month CD
$0
4.30% ▲ 2.19% above New Jersey avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.11%▲ 2.19% above avgNationally 2.13%
Details

Rate History
2 changes since Sep 24, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 24, 2026: 3.95% APYOct 1, 2026: 4.15% APYOct 14, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20264.30%▲ from 4.15%
  • Oct 1, 20264.15%▲ from 3.95%
  • Sep 24, 20263.95%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Consumer Certificate of Deposit - 3 Months
$0
4.10% ▲ 1.99% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.11%▲ 1.99% above avgNationally 2.13%
Details

Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Jersey Shore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
3 Month Share Certificate Special
$500
4.00% ▲ 1.89% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 1.89% above avgNationally 2.13%
Details

One week only; APY offered as of September 28, 2026; special ends end of business October 5, 2026; $500 minimum for Regular, IRA, and Business share certificates; certificate will not automatically renew; penalty for early withdrawal; dividend rate fixed for term

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 25, 2026
Customers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
3-month CD
$0
3.85% ▲ 1.74% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.11%▲ 1.74% above avgNationally 2.13%
Details

No minimum to open. Minimum balance to earn stated APY is $500.00. APY is accurate as of 9/25/2026.

Rate History
No change since Oct 22, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 25, 2026
Community Financial Services FCU
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Share Certificate - 3 Month
$2,500
3.82% ▲ 1.71% above New Jersey avg
View
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 1.71% above avgNationally 2.13%
Details

90-day dividend penalty for early withdrawal; Effective as of 06/09/26

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 3 Month
$500
3.75% ▲ 1.64% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.11%▲ 1.64% above avgNationally 2.13%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month Certificates Of Deposit
$0
3.75% ▲ 1.64% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Jersey Average2.11%▲ 1.64% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Month Certificate
$500
3.75% ▲ 1.64% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.11%▲ 1.64% above avgNationally 2.13%
Details

Fixed rate

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3 Months
$1,000
3.70% ▲ 1.59% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.11%▲ 1.59% above avgNationally 2.13%
Details

APYs accurate as of 03/27/2026; simple interest, not compounded; interest credited at maturity; auto-renews at maturity rate; early withdrawal penalty may apply; no monthly maintenance fees

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 25, 2026
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
3 Month Certificate
$500
3.70% ▲ 1.59% above New Jersey avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.11%▲ 1.59% above avgNationally 2.13%
Details

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 25, 2026
Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
IRA Accounts - 3 Month Certificate
$500
3.70% ▲ 1.59% above New Jersey avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.11%▲ 1.59% above avgNationally 2.13%
Details

Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Oct 8, 2026: 3.70% APYOct 8, 2026Oct 25, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month CD
$0
3.65% ▲ 1.54% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.11%▲ 1.54% above avgNationally 2.13%
Details

Compounded Daily; Minimum balance of $1,500 is required to earn the posted APY

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.65% ▼ 0.85 pts · high 4.50% / low 3.65%
2.80%4.07%5.35%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20263.65%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
3 Month Certificate
$0
3.65% ▲ 1.54% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 1.54% above avgNationally 2.13%
Details

APY paid on $1,000 minimum balance; Rate effective as of October 5, 2026

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 25, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Month Certificate of Deposit
$0
3.60% ▲ 1.49% above New Jersey avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.11%▲ 1.49% above avgNationally 2.13%
Details

Effective 10/20/2026; APY based on semi-annual compounding; substantial penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Pennsville National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Month CD
$2,500
3.56% ▲ 1.45% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.11%▲ 1.45% above avgNationally 2.13%
Details

Rate History
No change since Sep 24, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 24, 2026: 3.56% APYSep 24, 2026Oct 25, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
3 Month CD
$1,000
3.50% ▲ 1.39% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.11%▲ 1.39% above avgNationally 2.13%
Details

Personal Banking Rates; CD

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 25, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
Business CD - 3 Month
$1,000
3.50% ▲ 1.39% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.11%▲ 1.39% above avgNationally 2.13%
Details

APY available as of September 21, 2026

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
3 Month CD
$500
3.50% ▲ 1.39% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.11%▲ 1.39% above avgNationally 2.13%
Details

Compounding: Continuous

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 25, 2026
The Atlantic Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
Share Certificates - 3 Month ULTRA
$100,000
3.50% ▲ 1.39% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 1.39% above avgNationally 2.13%
Details

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 25, 2026
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Month Share Certificate
$500
3.50% ▲ 1.39% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 1.39% above avgNationally 2.13%
Details

Effective Date: 03/05/2026; Dividends paid monthly

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 25, 2026
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
3 Month Share Certificate Special
$0
3.50% ▲ 1.39% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 1.39% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
3 Month CD
$500
3.40% ▲ 1.29% above New Jersey avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.11%▲ 1.29% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 9 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 3-Month
$500
3.25% ▲ 1.14% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 1.14% above avgNationally 2.13%
Details

Fixed; Regular or IRA/HSA Share Certificate

Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 25, 2026
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month Certificate
$0
3.25% ▲ 1.14% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 1.14% above avgNationally 2.13%
Details

Balance: $25,000 and over

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month Certificate
$0
3.20% ▲ 1.09% above New Jersey avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 1.09% above avgNationally 2.13%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Oct 22, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 22, 2026: 3.20% APYOct 22, 2026Oct 25, 2026
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month Certificate
$0
3.15% ▲ 1.04% above New Jersey avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 1.04% above avgNationally 2.13%
Details

Balance: $500 - $9,999.99

Rate History
No change since Oct 22, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 22, 2026: 3.15% APYOct 22, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
3 Month CD
$0
3.05% ▲ 0.94% above New Jersey avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.11%▲ 0.94% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
IRA 3 Month CD
$0
3.05% ▲ 0.94% above New Jersey avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.11%▲ 0.94% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 25, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
3 Month Jumbo Certificates
$0
3.05% ▲ 0.94% above New Jersey avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 0.94% above avgNationally 2.13%
Details

Jumbo Certificates $50,000 Minimum; Dividend Rate 3.008%

Rate History
No change since Oct 8, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Oct 8, 2026: 3.05% APYOct 8, 2026Oct 25, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
IRA Certificates - 3 month
$0
3.05% ▲ 0.94% above New Jersey avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 0.94% above avgNationally 2.13%
Details

$1,000 Minimum

Rate History
1 change since Sep 16, 2026 · 2.80% → 3.05% ▲ 0.25 pts · high 3.05% / low 2.80%
2.30%2.93%3.55%Sep 16, 2026: 2.80% APYOct 23, 2026: 3.05% APYSep 16, 2026Oct 25, 2026
  • Oct 23, 20263.05%▲ from 2.80%
  • Sep 16, 20262.80%first recorded
1st Bergen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
3 Month Certificate
$0
3.03% ▲ 0.92% above New Jersey avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.11%▲ 0.92% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 9 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 25, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 3 Month
$2,500
3.00% ▲ 0.89% above New Jersey avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.11%▲ 0.89% above avgNationally 2.13%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
The Atlantic Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
Share Certificates - 3 Month
$500
3.00% ▲ 0.89% above New Jersey avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 0.89% above avgNationally 2.13%
Details

Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 15, 2026: 3.00% APYOct 15, 2026Oct 25, 2026
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Certificate - 3 Month
$500
3.00% ▲ 0.89% above New Jersey avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 0.89% above avgNationally 2.13%
Details

Crediting Frequency: Monthly; *Annual Percentage Yield (APY) effective 10/01/2026 is subject to change without notice. $500 minimum balance to open a CD. Penalties may be imposed for early withdrawal. APY assumes dividends remain in the CD. Minimum balance required within the accounts is $100 to earn interest.

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 25, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
Share Certificates - 3 Month SC
$1,000
2.88% ▲ 0.77% above New Jersey avg
View
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 0.77% above avgNationally 2.13%
Details

Rate History
No change since Oct 13, 2026 · 2.88% APY · checked 3 times
2.38%2.88%3.38%Oct 13, 2026: 2.88% APYOct 13, 2026Oct 25, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Certificate - 3 Month
$0
2.80% ▲ 0.69% above New Jersey avg
View
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 0.69% above avgNationally 2.13%
Details

Balance: $1,000 - $49,999

Rate History
1 change since Sep 16, 2026 · 2.55% → 2.80% ▲ 0.25 pts · high 2.80% / low 2.55%
2.05%2.68%3.30%Sep 16, 2026: 2.55% APYOct 4, 2026: 2.80% APYSep 16, 2026Oct 25, 2026
  • Oct 4, 20262.80%▲ from 2.55%
  • Sep 16, 20262.55%first recorded
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
Certificate of Deposit - 3 Month
$500
2.75% ▲ 0.64% above New Jersey avg
View
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.11%▲ 0.64% above avgNationally 2.13%
Details

Regular & IRA CD; Monthly Service Fees: N/A

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Certificate of Deposit - 3-Month
$0
2.75% ▲ 0.64% above New Jersey avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.11%▲ 0.64% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 22, 2026: 2.75% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
In Branch Certificates of Deposit - 3-Month
$1,000
2.75% ▲ 0.64% above New Jersey avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.11%▲ 0.64% above avgNationally 2.13%
Details

In-Branch Only; Minimum to open is $1,000

Rate History
No change since Oct 22, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 22, 2026: 2.75% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Online Certificates of Deposit - 3-Month
$1,000
2.75% ▲ 0.64% above New Jersey avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.11%▲ 0.64% above avgNationally 2.13%
Details

Online Only; Minimum to open $1,000

Rate History
No change since Oct 22, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 22, 2026: 2.75% APYOct 22, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Jumbo Certificate
$100,000
2.75% ▲ 0.64% above New Jersey avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 0.64% above avgNationally 2.13%
Details

APY range: 2.75% - 3.70%, based on length and balance; Certificate Loan Eligible: Yes; Additional deposits not permitted

Rate History
1 change since Sep 25, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60%
2.10%2.68%3.25%Sep 25, 2026: 2.60% APYOct 23, 2026: 2.75% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20262.75%▲ from 2.60%
  • Sep 25, 20262.60%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Regular & Jumbo Certificates (Personal) - Jumbo
$0
2.75% ▲ 0.64% above New Jersey avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 0.64% above avgNationally 2.13%
Details

Balance: $100,000 and above; Jumbo

Rate History
1 change since Oct 15, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60%
2.10%2.68%3.25%Oct 15, 2026: 2.60% APYOct 23, 2026: 2.75% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20262.75%▲ from 2.60%
  • Oct 15, 20262.60%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Regular & Jumbo Certificates (Personal) - Regular
$0
2.65% ▲ 0.54% above New Jersey avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 0.54% above avgNationally 2.13%
Details

Balance: Under $100,000; Regular

Rate History
1 change since Oct 15, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50%
2.00%2.58%3.15%Oct 15, 2026: 2.50% APYOct 23, 2026: 2.65% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20262.65%▲ from 2.50%
  • Oct 15, 20262.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Regular Certificate
$100
2.65% ▲ 0.54% above New Jersey avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 0.54% above avgNationally 2.13%
Details

APY range: 2.65% - 3.55%, based on length and balance; Certificate Loan Eligible: Yes; Additional deposits not permitted; Deposits under $100,000

Rate History
1 change since Sep 25, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50%
2.00%2.58%3.15%Sep 25, 2026: 2.50% APYOct 23, 2026: 2.65% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20262.65%▲ from 2.50%
  • Sep 25, 20262.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Regular Certificate (Personal)
$0
2.65% ▲ 0.54% above New Jersey avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 0.54% above avgNationally 2.13%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
1 change since Oct 15, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50%
2.00%2.58%3.15%Oct 15, 2026: 2.50% APYOct 23, 2026: 2.65% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20262.65%▲ from 2.50%
  • Oct 15, 20262.50%first recorded
Princeton Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Youth, Teen, Young Adult Share Certificate - 3 Months
$100
2.63% ▲ 0.52% above New Jersey avg
View
▼
Rate2.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.11%▲ 0.52% above avgNationally 2.13%
Details

Rate History
No change since Oct 15, 2026 · 2.63% APY · checked 2 times
2.13%2.63%3.13%Oct 15, 2026: 2.63% APYOct 15, 2026Oct 25, 2026

Ramsey 6 Month CD Rates

New Jersey 6 Month CD Average2.72% APYNational 2.78%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
385 N Franklin Tpke, Ramsey, NJ 07446
6 Month CD
$0
4.40% ▲ 1.68% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Jersey Average2.72%▲ 1.68% above avgNationally 2.78%
Details

CD Rates; APY (Annual Percentage Yield)

Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 25, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
385 N Franklin Tpke, Ramsey, NJ 07446
6 Months CD
$0
4.40% ▲ 1.68% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Jersey Average2.72%▲ 1.68% above avgNationally 2.78%
Details

Certificates of Deposit Specials

Rate History
2 changes since Sep 24, 2026 · 3.40% → 4.40% ▲ 1.00 pts · high 4.40% / low 3.40%
2.40%3.90%5.40%Sep 24, 2026: 3.40% APYOct 14, 2026: 4.15% APYOct 20, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.40%▲ from 4.15%
  • Oct 14, 20264.15%▲ from 3.40%
  • Sep 24, 20263.40%first recorded
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
161 N Franklin Tpke, Ramsey, NJ 07446
6-Month Certificate of Deposit
$500
3.50% ▲ 0.78% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 0.78% above avgNationally 2.78%
Details

Earn 3.50% APY on balances of $500 or more; Account matures in 6 months; Fund up to $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
161 N Franklin Tpke, Ramsey, NJ 07446
6-Month Fixed Rate CD
$0
3.50% ▲ 0.78% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 0.78% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
6 Month TD Choice CD
$250
2.00% ▼ 0.72% below New Jersey avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.72%▼ 0.72% below avgNationally 2.78%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
6 Month TD Choice CD
$250
1.99% ▼ 0.73% below New Jersey avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.72%▼ 0.73% below avgNationally 2.78%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
6 Month TD No Catch CD
$0
0.05% ▼ 2.67% below New Jersey avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.72%▼ 2.67% below avgNationally 2.78%
Details

6 Month TD No Catch CD

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 2026
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - Grand Opening 6-Month Promo
$500
4.50% ▲ 1.78% above New Jersey avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.78% above avgNationally 2.78%
Details

New money only; funds must be new to First Atlantic Federal Credit Union, transfers from existing First Atlantic accounts do not qualify

Rate History
No change since Oct 23, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 25, 2026
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
6 Month CD
$0
4.46% ▲ 1.74% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.72%▲ 1.74% above avgNationally 2.78%
Details

Minimum balance of $100,000 required for ACBB CDs; rates subject to change based on market conditions and availability

Rate History
No change since Oct 22, 2026 · 4.46% APY
3.96%4.46%4.96%Oct 22, 2026: 4.46% APYOct 22, 2026Oct 25, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month CD
$0
4.35% ▲ 1.63% above New Jersey avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.72%▲ 1.63% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 24, 2026: 4.15% APYOct 1, 2026: 4.25% APYOct 6, 2026: 4.35% APYSep 24, 2026Oct 25, 2026
  • Oct 6, 20264.35%▲ from 4.25%
  • Oct 1, 20264.25%▲ from 4.15%
  • Sep 24, 20264.15%first recorded
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Share Certificate - 6 Month
$1,000
4.33% ▲ 1.61% above New Jersey avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.61% above avgNationally 2.78%
Details

Minimum balance of $1,000 to open; rates accurate as of 9/18/2026

Rate History
No change since Oct 13, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 13, 2026: 4.33% APYOct 13, 2026Oct 25, 2026
County Educators Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.17%
6 Month Share Certificate
$50,000
4.21% ▲ 1.49% above New Jersey avg
View
▼
Rate4.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.49% above avgNationally 2.78%
Details

Balance: $50,000.00 and Higher

Rate History
No change since Oct 8, 2026 · 4.21% APY · checked 2 times
3.71%4.21%4.71%Oct 8, 2026: 4.21% APYOct 8, 2026Oct 25, 2026
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
6 Month CD Promo
$1,000
4.20% ▲ 1.48% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.48% above avgNationally 2.78%
Details

Promotion offer valid beginning September 28, 2026; Available for consumer, business, and IRA/Retirement CDs (Business and IRA/Retirement CDs must be opened in branch); Minimum deposit of $1000; Rates effective as of 9/28/2026

Rate History
No change since Oct 20, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 25, 2026
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
Promotion Certificate of Deposit - 6 Month CD
$1,000
4.20% ▲ 1.48% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.48% above avgNationally 2.78%
Details

Promo offer valid beginning September 28, 2026; Rates effective as of 9/28/2026; Penalty for early withdrawal applies; Minimum deposit of $1000

Rate History
No change since Oct 20, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 25, 2026
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
Share Certificate - 6 Month
$1,000
4.16% ▲ 1.44% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.44% above avgNationally 2.78%
Details

Effective Date - Sept. 2026; ** One thousand dollar minimum**; FENFCU early withdrawal penalty: 25 basis points (1/4%) per quarter or portion of a quarter on certificate balance

Rate History
1 change since Sep 17, 2026 · 3.44% → 4.16% ▲ 0.72 pts · high 4.16% / low 3.44%
2.72%3.80%4.88%Sep 17, 2026: 3.44% APYOct 8, 2026: 4.16% APYSep 17, 2026Oct 25, 2026
  • Oct 8, 20264.16%▲ from 3.44%
  • Sep 17, 20263.44%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Consumer Certificate of Deposit - 6 Months
$0
4.15% ▲ 1.43% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.43% above avgNationally 2.78%
Details

Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 6 Month
$1,000
4.10% ▲ 1.38% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.38% above avgNationally 2.78%
Details

New Money CD; Minimum balance to open account online: $1,000

Rate History
1 change since Sep 27, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 27, 2026: 4.05% APYOct 14, 2026: 4.10% APYSep 27, 2026Oct 25, 2026
  • Oct 14, 20264.10%▲ from 4.05%
  • Sep 27, 20264.05%first recorded
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
6 Month Certificate
$0
4.10% ▲ 1.38% above New Jersey avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.38% above avgNationally 2.78%
Details

Balance: $25,000 and over

Rate History
1 change since Oct 22, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Oct 22, 2026: 4.00% APYOct 23, 2026: 4.10% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20264.10%▲ from 4.00%
  • Oct 22, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10% ▲ 1.38% above New Jersey avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.72%▲ 1.38% above avgNationally 2.78%
Details

APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10% ▲ 1.38% above New Jersey avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.72%▲ 1.38% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Community Financial Services FCU
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
Share Certificate - 6 Month
$2,500
4.07% ▲ 1.35% above New Jersey avg
View
▼
Rate3.99%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.35% above avgNationally 2.78%
Details

90-day dividend penalty for early withdrawal; Effective as of 06/09/26

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
6 Month Share Certificate
$0
4.07% ▲ 1.35% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.35% above avgNationally 2.78%
Details

Share Certificate Type; Annual Percentage Rate 4.00%

Rate History
No change since Sep 30, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 30, 2026: 4.07% APYSep 30, 2026Oct 25, 2026
County Educators Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.17%
6 Month Share Certificate
$500
4.06% ▲ 1.34% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.34% above avgNationally 2.78%
Details

Balance: $500.00-$49,999.99

Rate History
No change since Oct 8, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 8, 2026: 4.06% APYOct 8, 2026Oct 25, 2026
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
6 Month Certificate
$0
4.05% ▲ 1.33% above New Jersey avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.33% above avgNationally 2.78%
Details

Balance: $10,000 - $24,999.99

Rate History
1 change since Oct 22, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
3.50%4.03%4.55%Oct 22, 2026: 4.00% APYOct 23, 2026: 4.05% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20264.05%▲ from 4.00%
  • Oct 22, 20264.00%first recorded
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Share Certificate - 6 Months
$0
4.01% ▲ 1.29% above New Jersey avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.29% above avgNationally 2.78%
Details

APR/APY as printed: 3.95%-4.01%; Amount: $1,000

Rate History
No change since Oct 23, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 23, 2026: 4.01% APYOct 23, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
HSBC Wealth Center/Telephone CD - 6 Month
$1,000
4.00% ▲ 1.28% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.28% above avgNationally 2.78%
Details

Wealth Center/Telephone; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CD - 6 Month
$1,000
4.00% ▲ 1.28% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.28% above avgNationally 2.78%
Details

Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online Certificate of Deposit - 6 months
$1,000
4.00% ▲ 1.28% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.28% above avgNationally 2.78%
Details

HSBC Premier relationship required; minimum balance to open and obtain APY is $1000; early withdrawal penalty may apply; not available to business customers

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA 6 Month Time Deposit
$0
4.00% ▲ 1.28% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.28% above avgNationally 2.78%
Details

Fees:

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Time Deposit - 6 Months
$500
4.00% ▲ 1.28% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.28% above avgNationally 2.78%
Details

Fees:; Minimum $500 required to open a CD

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
6 Month Certificate
$0
4.00% ▲ 1.28% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.28% above avgNationally 2.78%
Details

Balance: $500 - $9,999.99

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
6 Month Certificate
$0
4.00% ▲ 1.28% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.72%▲ 1.28% above avgNationally 2.78%
Details

Certificates of Deposit effective May 28, 2025

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 25, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Share Certificate - 6 month
$5,000
3.96% ▲ 1.24% above New Jersey avg
View
▼
Rate3.90%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.24% above avgNationally 2.78%
Details

Minimum of $5,000.00. A penalty may be charged for early withdrawal.

Rate History
1 change since Sep 16, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80%
3.30%3.88%4.46%Sep 16, 2026: 3.80% APYSep 25, 2026: 3.96% APYSep 16, 2026Oct 25, 2026
  • Sep 25, 20263.96%▲ from 3.80%
  • Sep 16, 20263.80%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 Month High-Yield CD
$500
3.95% ▲ 1.23% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.23% above avgNationally 2.78%
Details

Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY

Rate History
No change since Sep 22, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 22, 2026: 3.95% APYSep 22, 2026Oct 25, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 6 Month
$0
3.95% ▲ 1.23% above New Jersey avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.23% above avgNationally 2.78%
Details

Maximum Balance: $1,000,000 per member; Rates effective as of 10/22/2026; Less than 1 Year certificate dividends post at maturity

Rate History
No change since Oct 12, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 12, 2026: 3.95% APYOct 12, 2026Oct 25, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificates 6 Months
$0
3.95% ▲ 1.23% above New Jersey avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.23% above avgNationally 2.78%
Details

Rates effective as of 10/23/2026; NCUA-insured; Certificate rate fixed upon opening; Dividend 3.910%

Rate History
No change since Oct 15, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 15, 2026: 3.95% APYOct 15, 2026Oct 25, 2026
The Atlantic Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
Share Certificates - 6 Month ULTRA
$100,000
3.92% ▲ 1.20% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.20% above avgNationally 2.78%
Details

Rate History
No change since Oct 15, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 15, 2026: 3.92% APYOct 15, 2026Oct 25, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
6 Month Certificate
$500
3.92% ▲ 1.20% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.20% above avgNationally 2.78%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Oct 15, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 15, 2026: 3.92% APYOct 15, 2026Oct 25, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Certificate of Deposit
$0
3.85% ▲ 1.13% above New Jersey avg
View
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.13% above avgNationally 2.78%
Details

Effective 10/20/2026; APY based on semi-annual compounding; substantial penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Certificates of Deposit - 6 Month Pick Your Term
$5,000
3.85% ▲ 1.13% above New Jersey avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.13% above avgNationally 2.78%
Details

Balance Required to Obtain APY: $5,000 or more

Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 25, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6 month Certificate
$0
3.85% ▲ 1.13% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.13% above avgNationally 2.78%
Details

Minimum balance to earn dividends on certificates and IRA certificates is $10,000.00

Rate History
No change since Oct 15, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 15, 2026: 3.85% APYOct 15, 2026Oct 25, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6 month IRA Certificate
$0
3.85% ▲ 1.13% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.13% above avgNationally 2.78%
Details

Minimum balance to earn dividends on certificates and IRA certificates is $10,000.00

Rate History
No change since Oct 15, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 15, 2026: 3.85% APYOct 15, 2026Oct 25, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
6 Month Certificate
$0
3.85% ▲ 1.13% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.13% above avgNationally 2.78%
Details

APY paid on $1,000 minimum balance; Rate effective as of October 5, 2026

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
6 Month Share Certificate
$1,000
3.85% ▲ 1.13% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.72%▲ 1.13% above avgNationally 2.78%
Details

Share Certificate Accounts as of September 15, 2026

Rate History
No change since Oct 19, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 19, 2026: 3.85% APYOct 19, 2026Oct 25, 2026
Customers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6-month CD
$0
3.80% ▲ 1.08% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.72%▲ 1.08% above avgNationally 2.78%
Details

No minimum to open. Minimum balance to earn stated APY is $500.00. APY is accurate as of 9/25/2026.

Rate History
No change since Oct 22, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 22, 2026: 3.80% APYOct 22, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
6 Month Certificate of Deposit
$0
3.80% ▲ 1.08% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.08% above avgNationally 2.78%
Details

Longer terms earn higher interest; No service fee

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
Certificate - 6 Months
$0
3.76% ▲ 1.04% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.72%▲ 1.04% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 9 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 25, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 6 Months
$1,000
3.75% ▲ 1.03% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.03% above avgNationally 2.78%
Details

APYs accurate as of 03/27/2026; simple interest, not compounded; interest credited at maturity; auto-renews at maturity rate; early withdrawal penalty may apply; no monthly maintenance fees

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 25, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 Month CD
$0
3.75% ▲ 1.03% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.03% above avgNationally 2.78%
Details

Compounded Daily; Minimum balance of $1,500 is required to earn the posted APY

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.75% ▼ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20263.75%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Certificate of Deposit - 6 Months
$0
3.75% ▲ 1.03% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.72%▲ 1.03% above avgNationally 2.78%
Details

Minimum balance of $1,500 is required to earn the posted APY; Compounded Daily; Substantial early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026

Ramsey 12 Month CD Rates

New Jersey 12 Month CD Average2.94% APYNational 2.99%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
12 Month TD Choice CD
$250
4.15% ▲ 1.21% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.94%▲ 1.21% above avgNationally 2.99%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
12 Month TD Choice CD
$250
4.14% ▲ 1.20% above New Jersey avg
View
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.94%▲ 1.20% above avgNationally 2.99%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 2 times
3.64%4.14%4.64%Oct 20, 2026: 4.14% APYOct 20, 2026Oct 25, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
385 N Franklin Tpke, Ramsey, NJ 07446
12 Months CD
$0
4.00% ▲ 1.06% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Jersey Average2.94%▲ 1.06% above avgNationally 2.99%
Details

Certificates of Deposit Specials

Rate History
3 changes since Sep 19, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 19, 2026: 3.45% APYSep 24, 2026: 3.95% APYOct 14, 2026: 3.50% APYOct 20, 2026: 4.00% APYSep 19, 2026Oct 25, 2026
  • Oct 20, 20264.00%▲ from 3.50%
  • Oct 14, 20263.50%▼ from 3.95%
  • Sep 24, 20263.95%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
161 N Franklin Tpke, Ramsey, NJ 07446
12-Month Fixed Rate CD
$0
3.50% ▲ 0.56% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 0.56% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
12 Month TD IRA Add-Vantage CD
$0
0.05% ▼ 2.89% below New Jersey avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.94%▼ 2.89% below avgNationally 2.99%
Details

12 Month TD IRA Add-Vantage CD; IRA certificate

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
12 Month TD No Catch CD
$0
0.05% ▼ 2.89% below New Jersey avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.94%▼ 2.89% below avgNationally 2.99%
Details

12 Month TD No Catch CD

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 2026
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
1 Year CD
$0
4.67% ▲ 1.73% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.94%▲ 1.73% above avgNationally 2.99%
Details

Minimum balance of $100,000 required for ACBB CDs; rates subject to change based on market conditions and availability

Rate History
No change since Oct 22, 2026 · 4.67% APY
4.17%4.67%5.17%Oct 22, 2026: 4.67% APYOct 22, 2026Oct 25, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month CD
$0
4.60% ▲ 1.66% above New Jersey avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.94%▲ 1.66% above avgNationally 2.99%
Details

Rate History
3 changes since Sep 24, 2026 · 4.25% → 4.60% ▲ 0.35 pts · high 4.60% / low 4.25%
3.75%4.43%5.10%Sep 24, 2026: 4.25% APYOct 1, 2026: 4.40% APYOct 6, 2026: 4.50% APYOct 19, 2026: 4.60% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.60%▲ from 4.50%
  • Oct 6, 20264.50%▲ from 4.40%
  • Oct 1, 20264.40%▲ from 4.25%
  • Sep 24, 20264.25%first recorded
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month Certificate
$0
4.50% ▲ 1.56% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.94%▲ 1.56% above avgNationally 2.99%
Details

Special Rate; Featured rate - see all rate specials

Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
3.86%4.43%5.00%Sep 14, 2026: 4.36% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 1, 20264.50%▲ from 4.36%
  • Sep 14, 20264.36%first recorded
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Share Certificate - 12 Month
$1,000
4.47% ▲ 1.53% above New Jersey avg
View
▼
Rate4.38%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.53% above avgNationally 2.99%
Details

Minimum balance of $1,000 to open; rates accurate as of 9/18/2026

Rate History
No change since Oct 13, 2026 · 4.47% APY · checked 2 times
3.97%4.47%4.97%Oct 13, 2026: 4.47% APYOct 13, 2026Oct 25, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 Month High-Yield CD
$500
4.40% ▲ 1.46% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.46% above avgNationally 2.99%
Details

Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY

Rate History
1 change since Sep 22, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
3.40%4.15%4.90%Sep 22, 2026: 3.90% APYOct 1, 2026: 4.40% APYSep 22, 2026Oct 25, 2026
  • Oct 1, 20264.40%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 12 Month
$1,000
4.40% ▲ 1.46% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.46% above avgNationally 2.99%
Details

New Money CD; Minimum balance to open account online: $1,000

Rate History
1 change since Sep 27, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 27, 2026: 4.35% APYOct 14, 2026: 4.40% APYSep 27, 2026Oct 25, 2026
  • Oct 14, 20264.40%▲ from 4.35%
  • Sep 27, 20264.35%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.41% above New Jersey avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.41% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 25, 2026
MyBankingDirect.com
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
12-Month CD
$500
4.30% ▲ 1.36% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.36% above avgNationally 2.99%
Details

Limited-time CD rate; APY accurate as of 10/19/2026; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs; must present offer at account opening; online at flagstar.com

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
HSBC Wealth Center/Telephone CD - 12 Month
$1,000
4.30% ▲ 1.36% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.36% above avgNationally 2.99%
Details

Wealth Center/Telephone; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CD - 12 Month
$1,000
4.30% ▲ 1.36% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.36% above avgNationally 2.99%
Details

Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 7 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online Certificate of Deposit - 12 months
$1,000
4.30% ▲ 1.36% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.36% above avgNationally 2.99%
Details

HSBC Premier relationship required; minimum balance to open and obtain APY is $1000; early withdrawal penalty may apply; not available to business customers

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 7 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month Business CD
$500
4.30% ▲ 1.36% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.94%▲ 1.36% above avgNationally 2.99%
Details

APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month CD
$500
4.30% ▲ 1.36% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.94%▲ 1.36% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Consumer Certificate of Deposit - 12 Months
$0
4.25% ▲ 1.31% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.31% above avgNationally 2.99%
Details

Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026

Rate History
No change since Oct 20, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
12 Month Certificate
$500
4.25% ▲ 1.31% above New Jersey avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.94%▲ 1.31% above avgNationally 2.99%
Details

Fixed rate

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
12 month Certificate
$0
4.25% ▲ 1.31% above New Jersey avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.31% above avgNationally 2.99%
Details

Minimum balance to earn dividends on certificates and IRA certificates is $10,000.00

Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 15, 2026: 4.25% APYOct 15, 2026Oct 25, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
12 month IRA Certificate
$0
4.25% ▲ 1.31% above New Jersey avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.31% above avgNationally 2.99%
Details

Minimum balance to earn dividends on certificates and IRA certificates is $10,000.00

Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 15, 2026: 4.25% APYOct 15, 2026Oct 25, 2026
ENERGY PEOPLE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Jumbo CD Specials
$0
4.25% ▲ 1.31% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.94%▲ 1.31% above avgNationally 2.99%
Details

Balance: $200,000.00 over

Rate History
1 change since Sep 27, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 27, 2026: 3.75% APYOct 14, 2026: 4.25% APYSep 27, 2026Oct 25, 2026
  • Oct 14, 20264.25%▲ from 3.75%
  • Sep 27, 20263.75%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
12 Month Certificate
$500
4.24% ▲ 1.30% above New Jersey avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.30% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
1 change since Oct 15, 2026 · 3.87% → 4.24% ▲ 0.37 pts · high 4.24% / low 3.87%
3.37%4.06%4.74%Oct 15, 2026: 3.87% APYOct 23, 2026: 4.24% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20264.24%▲ from 3.87%
  • Oct 15, 20263.87%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
12 Month IRA Certificate
$0
4.20% ▲ 1.26% above New Jersey avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.26% above avgNationally 2.99%
Details

IRA Certificate; $500 minimum balance; Rate effective as of October 5, 2026

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.20% ▲ 0.29 pts · high 4.20% / low 3.91%
3.41%4.06%4.70%Sep 14, 2026: 3.91% APYSep 18, 2026: 4.10% APYOct 23, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.20%▲ from 4.10%
  • Sep 18, 20264.10%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12 Month Certificate
$0
4.20% ▲ 1.26% above New Jersey avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.26% above avgNationally 2.99%
Details

Balance: $25,000 and over

Rate History
1 change since Oct 22, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Oct 22, 2026: 4.10% APYOct 23, 2026: 4.20% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20264.20%▲ from 4.10%
  • Oct 22, 20264.10%first recorded
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA 12 Month Time Deposit
$0
4.15% ▲ 1.21% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.21% above avgNationally 2.99%
Details

Fees:

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.15% ▲ 0.65 pts · high 4.15% / low 3.50%
2.85%3.83%4.80%Sep 24, 2026: 3.50% APYOct 20, 2026: 4.15% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.15%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Time Deposit - 12 Months
$500
4.15% ▲ 1.21% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.21% above avgNationally 2.99%
Details

Fees:; Minimum $500 required to open a CD

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 25, 2026
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12 Month Certificate
$0
4.15% ▲ 1.21% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.21% above avgNationally 2.99%
Details

Balance: $10,000 - $24,999.99

Rate History
1 change since Oct 22, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
3.60%4.13%4.65%Oct 22, 2026: 4.10% APYOct 23, 2026: 4.15% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20264.15%▲ from 4.10%
  • Oct 22, 20264.10%first recorded
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
1 Year Share Certificate
$1,000
4.15% ▲ 1.21% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.94%▲ 1.21% above avgNationally 2.99%
Details

Share Certificate Accounts as of September 15, 2026

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 25, 2026
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
12 Month Share Certificate
$0
4.13% ▲ 1.19% above New Jersey avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.19% above avgNationally 2.99%
Details

Share Certificate Type; Annual Percentage Rate 4.05%

Rate History
No change since Sep 30, 2026 · 4.13% APY · checked 6 times
3.63%4.13%4.63%Sep 30, 2026: 4.13% APYSep 30, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10% ▲ 1.16% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.16% above avgNationally 2.99%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
12 Month Certificates Of Deposit
$0
4.10% ▲ 1.16% above New Jersey avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Jersey Average2.94%▲ 1.16% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 3, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
12 Month Certificate
$0
4.10% ▲ 1.16% above New Jersey avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.16% above avgNationally 2.99%
Details

APY paid on $1,000 minimum balance; Rate effective as of October 5, 2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYOct 23, 2026: 4.10% APYSep 18, 2026Oct 25, 2026
  • Oct 23, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12 Month Certificate
$0
4.10% ▲ 1.16% above New Jersey avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.16% above avgNationally 2.99%
Details

Balance: $500 - $9,999.99

Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 22, 2026: 4.10% APYOct 22, 2026Oct 25, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Share Certificate - 12 month
$5,000
4.06% ▲ 1.12% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.12% above avgNationally 2.99%
Details

Minimum of $5,000.00. A penalty may be charged for early withdrawal.

Rate History
1 change since Sep 16, 2026 · 3.65% → 4.06% ▲ 0.41 pts · high 4.06% / low 3.65%
3.15%3.85%4.56%Sep 16, 2026: 3.65% APYSep 25, 2026: 4.06% APYSep 16, 2026Oct 25, 2026
  • Sep 25, 20264.06%▲ from 3.65%
  • Sep 16, 20263.65%first recorded
HARRISON POLICE and FIREMENS
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Educational IRA (12 Months)
$0
4.06% ▲ 1.12% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.94%▲ 1.12% above avgNationally 2.99%
Details

Rate History
No change since Oct 22, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 22, 2026: 4.06% APYOct 22, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05% ▲ 1.11% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.11% above avgNationally 2.99%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificate - 12 Months
$500
4.05% ▲ 1.11% above New Jersey avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.11% above avgNationally 2.99%
Details

Membership eligibility required; matures into a 12-month Share Certificate at prevailing rate unless alternate instructions are provided

Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 25, 2026
Garden Savings FCU
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
Share Certificates - 12 Months
$500
4.05% ▲ 1.11% above New Jersey avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.94%▲ 1.11% above avgNationally 2.99%
Details

Share Certificates; $500 Minimum; Penalty for early withdrawal for terms of 1 year or greater: 180 days of dividends earned

Rate History
No change since Oct 19, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 25, 2026
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Share Certificate - 1 Year
$0
4.01% ▲ 1.07% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.07% above avgNationally 2.99%
Details

APR/APY as printed: 4.00% - 4.01%; Amount: $1,000

Rate History
No change since Oct 23, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 23, 2026: 4.01% APYOct 23, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1-year online CDs
$0
4.00% ▲ 1.06% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.06% above avgNationally 2.99%
Details

Online CD

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Month 360 CD
$0
4.00% ▲ 1.06% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month EasyStart Certificate
$50
4.00% ▲ 1.06% above New Jersey avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.06% above avgNationally 2.99%
Details

Share, IRA, ESA; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1 Year Certificate of Deposit
$0
4.00% ▲ 1.06% above New Jersey avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.94%▲ 1.06% above avgNationally 2.99%
Details

Effective 10/20/2026; APY based on semi-annual compounding; substantial penalty for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 18, 2026: 3.95% APYOct 20, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20264.00%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
12-Month CD
$0
4.00% ▲ 1.06% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.94%▲ 1.06% above avgNationally 2.99%
Details

APY effective as of October 10, 2026

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Deepwater Industries Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
12 Month Share Certificate
$0
4.00% ▲ 1.06% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.06% above avgNationally 2.99%
Details

$1,000 minimum balance to obtain APY; early withdrawal penalty is 90 days' dividends

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 25, 2026
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
Certificate - 12 Months
$5,000
4.00% ▲ 1.06% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.06% above avgNationally 2.99%
Details

Minimum Deposit $5,000 Combined; Term: 1 Year; Penalty for early withdrawal

Rate History
1 change since Sep 20, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 20, 2026: 3.50% APYOct 15, 2026: 4.00% APYSep 20, 2026Oct 25, 2026
  • Oct 15, 20264.00%▲ from 3.50%
  • Sep 20, 20263.50%first recorded
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 1 Year
$0
4.00% ▲ 1.06% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.94%▲ 1.06% above avgNationally 2.99%
Details

Maximum Balance: $1,000,000 per member; Rates effective as of 10/22/2026; 1 year or longer certificate dividends compound quarterly

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 25, 2026

Ramsey 18 Month CD Rates

New Jersey 18 Month CD Average2.71% APYNational 2.88%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
18 Month TD Choice CD
$250
4.25% ▲ 1.54% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.71%▲ 1.54% above avgNationally 2.88%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
18 Month TD Choice CD
$250
4.24% ▲ 1.53% above New Jersey avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.71%▲ 1.53% above avgNationally 2.88%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 20, 2026: 4.24% APYOct 20, 2026Oct 25, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
385 N Franklin Tpke, Ramsey, NJ 07446
18 Months CD
$0
4.00% ▲ 1.29% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Jersey Average2.71%▲ 1.29% above avgNationally 2.88%
Details

Certificates of Deposit Specials

Rate History
3 changes since Sep 19, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 19, 2026: 3.60% APYSep 24, 2026: 4.00% APYOct 14, 2026: 3.50% APYOct 20, 2026: 4.00% APYSep 19, 2026Oct 25, 2026
  • Oct 20, 20264.00%▲ from 3.50%
  • Oct 14, 20263.50%▼ from 4.00%
  • Sep 24, 20264.00%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
185 Arch St, Ramsey, NJ 07446
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 1.14% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.71%▲ 1.14% above avgNationally 2.88%
Details

Featured CD rate; Requires a qualifying M&T Bank checking account; Schedule an appointment to open

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 25, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
185 Arch St, Ramsey, NJ 07446
18-Month M&T Select CD
$1,000
3.85% ▲ 1.14% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.71%▲ 1.14% above avgNationally 2.88%
Details

Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
18 Month CD
$0
4.78% ▲ 2.07% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.71%▲ 2.07% above avgNationally 2.88%
Details

Rate History
No change since Oct 22, 2026 · 4.78% APY
4.28%4.78%5.28%Oct 22, 2026: 4.78% APYOct 22, 2026Oct 25, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month CD
$0
4.75% ▲ 2.04% above New Jersey avg
View
▼
Rate4.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.71%▲ 2.04% above avgNationally 2.88%
Details

Rate History
3 changes since Sep 24, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 24, 2026: 4.35% APYOct 1, 2026: 4.55% APYOct 6, 2026: 4.65% APYOct 19, 2026: 4.75% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.75%▲ from 4.65%
  • Oct 6, 20264.65%▲ from 4.55%
  • Oct 1, 20264.55%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Variable IRA
$100
4.60% ▲ 1.89% above New Jersey avg
View
▼
Rate4.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.71%▲ 1.89% above avgNationally 2.88%
Details

Effective 10/22/2026; rate and yield may change during the term; additional deposits in increments of $50 or more without extending the term

Rate History
1 change since Sep 20, 2026 · 4.11% → 4.60% ▲ 0.49 pts · high 4.60% / low 4.11%
3.61%4.36%5.10%Sep 20, 2026: 4.11% APYOct 3, 2026: 4.60% APYSep 20, 2026Oct 25, 2026
  • Oct 3, 20264.60%▲ from 4.11%
  • Sep 20, 20264.11%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month High-Yield CD
$500
4.40% ▲ 1.69% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.71%▲ 1.69% above avgNationally 2.88%
Details

Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
18 Month CD Promo
$1,000
4.40% ▲ 1.69% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.71%▲ 1.69% above avgNationally 2.88%
Details

Promotion offer valid beginning September 28, 2026; Available for consumer, business, and IRA/Retirement CDs (Business and IRA/Retirement CDs must be opened in branch); Minimum deposit of $1000; Rates effective as of 9/28/2026

Rate History
No change since Oct 20, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 25, 2026
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
Promotion Certificate of Deposit - 18 Month CD
$1,000
4.40% ▲ 1.69% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.71%▲ 1.69% above avgNationally 2.88%
Details

Promo offer valid beginning September 28, 2026; Rates effective as of 9/28/2026; Penalty for early withdrawal applies; Minimum deposit of $1000

Rate History
No change since Oct 20, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 25, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 month Certificate
$0
4.35% ▲ 1.64% above New Jersey avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 1.64% above avgNationally 2.88%
Details

Minimum balance to earn dividends on certificates and IRA certificates is $10,000.00

Rate History
No change since Oct 15, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 15, 2026: 4.35% APYOct 15, 2026Oct 25, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 month IRA Certificate
$0
4.35% ▲ 1.64% above New Jersey avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 1.64% above avgNationally 2.88%
Details

Minimum balance to earn dividends on certificates and IRA certificates is $10,000.00

Rate History
No change since Oct 15, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 15, 2026: 4.35% APYOct 15, 2026Oct 25, 2026
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Consumer Certificate of Deposit - 18 Months
$0
4.30% ▲ 1.59% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.71%▲ 1.59% above avgNationally 2.88%
Details

Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026

Rate History
No change since Oct 20, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Certificate - 18 Month
$500
4.25% ▲ 1.54% above New Jersey avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 1.54% above avgNationally 2.88%
Details

Crediting Frequency: Monthly; *Annual Percentage Yield (APY) effective 10/01/2026 is subject to change without notice. $500 minimum balance to open a CD. Penalties may be imposed for early withdrawal. APY assumes dividends remain in the CD. Minimum balance required within the accounts is $100 to earn interest.

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25% ▲ 1.54% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.71%▲ 1.54% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 25, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
18 Month Share Certificate
$1,000
4.25% ▲ 1.54% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.71%▲ 1.54% above avgNationally 2.88%
Details

Share Certificate Accounts as of September 15, 2026

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
18 Month Legacy Club Certificate
$0
4.20% ▲ 1.49% above New Jersey avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 1.49% above avgNationally 2.88%
Details

Legacy Club certificate; APY paid on $1,000 minimum balance; Rate effective as of October 5, 2026

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.20% ▲ 0.19 pts · high 4.20% / low 4.01%
3.51%4.11%4.70%Sep 18, 2026: 4.01% APYOct 23, 2026: 4.20% APYSep 18, 2026Oct 25, 2026
  • Oct 23, 20264.20%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15% ▲ 1.44% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.71%▲ 1.44% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
18 Month Certificate
$500
4.13% ▲ 1.42% above New Jersey avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 1.42% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
1 change since Oct 15, 2026 · 4.08% → 4.13% ▲ 0.05 pts · high 4.13% / low 4.08%
3.58%4.11%4.63%Oct 15, 2026: 4.08% APYOct 23, 2026: 4.13% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20264.13%▲ from 4.08%
  • Oct 15, 20264.08%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10% ▲ 1.39% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.71%▲ 1.39% above avgNationally 2.88%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
18 Month Certificate
$0
4.10% ▲ 1.39% above New Jersey avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 1.39% above avgNationally 2.88%
Details

APY paid on $1,000 minimum balance; Rate effective as of October 5, 2026

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.10% ▲ 0.19 pts · high 4.10% / low 3.91%
3.41%4.01%4.60%Sep 18, 2026: 3.91% APYOct 23, 2026: 4.10% APYSep 18, 2026Oct 25, 2026
  • Oct 23, 20264.10%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18-Month CD
$500
4.00% ▲ 1.29% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.71%▲ 1.29% above avgNationally 2.88%
Details

Available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL (Miami-Dade, Monroe, Broward counties, Collier county ZIP Code 34141); In-Branch Only; Minimum deposit of $500 to open and receive this APY; early withdrawal penalty applies

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 25, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Certificates of Deposit - 18 Month Pick Your Term
$5,000
4.00% ▲ 1.29% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.71%▲ 1.29% above avgNationally 2.88%
Details

Balance Required to Obtain APY: $5,000 or more

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Freedom Bank Maywood, NJ
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Certificate of Deposit - 18 Month Special
$500
4.00% ▲ 1.29% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 1.29% above avgNationally 2.88%
Details

New Money Only; Minimum daily balance to open and obtain APY: $500.00

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
Certificate - 18 Months
$5,000
4.00% ▲ 1.29% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 1.29% above avgNationally 2.88%
Details

Minimum Deposit $5,000 Combined; Term: 1.5 Years; Penalty for early withdrawal

Rate History
1 change since Sep 20, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 20, 2026: 3.50% APYOct 15, 2026: 4.00% APYSep 20, 2026Oct 25, 2026
  • Oct 15, 20264.00%▲ from 3.50%
  • Sep 20, 20263.50%first recorded
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificate - 18 Months
$500
4.00% ▲ 1.29% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 1.29% above avgNationally 2.88%
Details

New Deposits Only; minimum deposit of $500 required to open and earn the stated APY

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 25, 2026
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA 18 Month Time Deposit
$0
3.90% ▲ 1.19% above New Jersey avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.71%▲ 1.19% above avgNationally 2.88%
Details

Fees:

Rate History
1 change since Sep 24, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
2.60%3.58%4.55%Sep 24, 2026: 3.25% APYOct 20, 2026: 3.90% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.90%▲ from 3.25%
  • Sep 24, 20263.25%first recorded
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Time Deposit - 18 Months
$500
3.90% ▲ 1.19% above New Jersey avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.71%▲ 1.19% above avgNationally 2.88%
Details

Fees:; Minimum $500 required to open a CD

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 25, 2026
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
Certificate - 18 Months
$500
3.90% ▲ 1.19% above New Jersey avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 1.19% above avgNationally 2.88%
Details

Minimum Deposit $500; Term: 1.5 Years; Penalty for early withdrawal

Rate History
1 change since Sep 20, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
3.00%3.70%4.40%Sep 20, 2026: 3.50% APYOct 15, 2026: 3.90% APYSep 20, 2026Oct 25, 2026
  • Oct 15, 20263.90%▲ from 3.50%
  • Sep 20, 20263.50%first recorded
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 18 Month
$0
3.90% ▲ 1.19% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.71%▲ 1.19% above avgNationally 2.88%
Details

Balance: $25,000 & Over; $1000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 25, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 18 Month
$0
3.85% ▲ 1.14% above New Jersey avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.71%▲ 1.14% above avgNationally 2.88%
Details

Balance: $10,000 - $24,999.99; $1000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 25, 2026
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
18 Month Certificate
$500
3.80% ▲ 1.09% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 1.09% above avgNationally 2.88%
Details

Interest compounded/credited: Continuously/ Monthly

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 25, 2026
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
18 Month IRA Certificate
$500
3.80% ▲ 1.09% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 1.09% above avgNationally 2.88%
Details

Interest compounded/credited: Continuously/ Monthly

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 25, 2026
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
IRA 18 MONTHS MARKET PACER
$25
3.80% ▲ 1.09% above New Jersey avg
View
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 1.09% above avgNationally 2.88%
Details

Interest compounded/credited: Continuously/ Monthly

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 25, 2026
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
IRA 18 Months Steady Earner
$500
3.80% ▲ 1.09% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 1.09% above avgNationally 2.88%
Details

Interest compounded/credited: Continuously/ Monthly

Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 25, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 18 Month
$0
3.80% ▲ 1.09% above New Jersey avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.71%▲ 1.09% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999.99; $1000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80% ▲ 1.09% above New Jersey avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.71%▲ 1.09% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Rewards
$0
3.80% ▲ 1.09% above New Jersey avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.71%▲ 1.09% above avgNationally 2.88%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular
$0
3.80% ▲ 1.09% above New Jersey avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.71%▲ 1.09% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards
$0
3.80% ▲ 1.09% above New Jersey avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.71%▲ 1.09% above avgNationally 2.88%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials - 18-month term
$0
3.80% ▲ 1.09% above New Jersey avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.71%▲ 1.09% above avgNationally 2.88%
Details

Rewards APY

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 19, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
18 Month CD
$1,000
3.75% ▲ 1.04% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.71%▲ 1.04% above avgNationally 2.88%
Details

Personal Banking Rates; CD

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
18 Month IRA CD
$1,000
3.75% ▲ 1.04% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.71%▲ 1.04% above avgNationally 2.88%
Details

Personal Banking Rates; IRA CD

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
Business CD - 18 Month
$1,000
3.75% ▲ 1.04% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.71%▲ 1.04% above avgNationally 2.88%
Details

APY available as of September 21, 2026

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70% ▲ 0.99% above New Jersey avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.71%▲ 0.99% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18 Month Share Certificate
$0
3.66% ▲ 0.95% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 0.95% above avgNationally 2.88%
Details

APYs effective as of 7/1/26

Rate History
No change since Sep 25, 2026 · 3.66% APY · checked 5 times
3.16%3.66%4.16%Sep 25, 2026: 3.66% APYSep 25, 2026Oct 25, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
IRA Certificate - 18 month IRA share certificate
$0
3.66% ▲ 0.95% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 0.95% above avgNationally 2.88%
Details

Rate History
No change since Oct 23, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 23, 2026: 3.66% APYOct 23, 2026Oct 25, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 18-Month
$500
3.65% ▲ 0.94% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 0.94% above avgNationally 2.88%
Details

Fixed; Regular or IRA/HSA Share Certificate

Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 25, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
Certificate - 18 Months
$0
3.61% ▲ 0.90% above New Jersey avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.71%▲ 0.90% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 9 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 25, 2026

Ramsey 24 Month CD Rates

New Jersey 24 Month CD Average2.73% APYNational 2.90%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
24 Month TD Choice CD
$250
4.30% ▲ 1.57% above New Jersey avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.73%▲ 1.57% above avgNationally 2.90%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
24 Month TD Choice CD
$250
4.29% ▲ 1.56% above New Jersey avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.73%▲ 1.56% above avgNationally 2.90%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 20, 2026: 4.29% APYOct 20, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
161 N Franklin Tpke, Ramsey, NJ 07446
24-Month Fixed Rate CD
$0
3.25% ▲ 0.52% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
2 Year CD
$0
4.90% ▲ 2.17% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.73%▲ 2.17% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 4.90% APY
4.40%4.90%5.40%Oct 22, 2026: 4.90% APYOct 22, 2026Oct 25, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month CD
$0
4.80% ▲ 2.07% above New Jersey avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.73%▲ 2.07% above avgNationally 2.90%
Details

Rate History
3 changes since Sep 24, 2026 · 4.45% → 4.80% ▲ 0.35 pts · high 4.80% / low 4.45%
3.95%4.63%5.30%Sep 24, 2026: 4.45% APYOct 1, 2026: 4.65% APYOct 14, 2026: 4.70% APYOct 19, 2026: 4.80% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.80%▲ from 4.70%
  • Oct 14, 20264.70%▲ from 4.65%
  • Oct 1, 20264.65%▲ from 4.45%
  • Sep 24, 20264.45%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 24 Month
$1,000
4.60% ▲ 1.87% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.87% above avgNationally 2.90%
Details

New Money CD; Minimum balance to open account online: $1,000

Rate History
1 change since Sep 27, 2026 · 4.45% → 4.60% ▲ 0.15 pts · high 4.60% / low 4.45%
3.95%4.53%5.10%Sep 27, 2026: 4.45% APYOct 14, 2026: 4.60% APYSep 27, 2026Oct 25, 2026
  • Oct 14, 20264.60%▲ from 4.45%
  • Sep 27, 20264.45%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 Year High-Yield CD
$500
4.40% ▲ 1.67% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.67% above avgNationally 2.90%
Details

Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
HSBC Wealth Center/Telephone CD - 24 Month
$1,000
4.40% ▲ 1.67% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.67% above avgNationally 2.90%
Details

Wealth Center/Telephone; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CD - 24 Month
$1,000
4.40% ▲ 1.67% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.67% above avgNationally 2.90%
Details

Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 7 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online Certificate of Deposit - 24 months
$1,000
4.40% ▲ 1.67% above New Jersey avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.67% above avgNationally 2.90%
Details

HSBC Premier relationship required; minimum balance to open and obtain APY is $1000; early withdrawal penalty may apply; not available to business customers

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 7 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
24 Month Certificate
$0
4.40% ▲ 1.67% above New Jersey avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.73%▲ 1.67% above avgNationally 2.90%
Details

Balance: $25,000 and over

Rate History
1 change since Oct 22, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Oct 22, 2026: 4.30% APYOct 23, 2026: 4.40% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20264.40%▲ from 4.30%
  • Oct 22, 20264.30%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Consumer Certificate of Deposit - 24 Months
$0
4.35% ▲ 1.62% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.62% above avgNationally 2.90%
Details

Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026

Rate History
No change since Oct 20, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 20, 2026: 4.35% APYOct 20, 2026Oct 25, 2026
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
24 Month Certificate
$0
4.35% ▲ 1.62% above New Jersey avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.73%▲ 1.62% above avgNationally 2.90%
Details

Balance: $10,000 - $24,999.99

Rate History
1 change since Oct 22, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
3.80%4.32%4.85%Oct 22, 2026: 4.30% APYOct 23, 2026: 4.35% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20264.35%▲ from 4.30%
  • Oct 22, 20264.30%first recorded
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
24 Month Certificate
$0
4.30% ▲ 1.57% above New Jersey avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.73%▲ 1.57% above avgNationally 2.90%
Details

Balance: $500 - $9,999.99

Rate History
No change since Oct 22, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 22, 2026: 4.30% APYOct 22, 2026Oct 25, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month IRA Share Certificate
$0
4.25% ▲ 1.52% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.52% above avgNationally 2.90%
Details

APY paid on $500 minimum balance; Offer valid for funds not currently on deposit; must open with $500 minimum in new money

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
Business Share Certificate - 24 Month
$0
4.25% ▲ 1.52% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.52% above avgNationally 2.90%
Details

APY paid on $500 minimum balance

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
IRA Share Certificate - 24 Month IRA
$0
4.25% ▲ 1.52% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.52% above avgNationally 2.90%
Details

APY listed paid on $500 minimum balance; Must open with $500 minimum in new money or have a First Harvest Checking Account

Rate History
No change since Oct 20, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
Share Certificate - 24 Month
$0
4.25% ▲ 1.52% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.52% above avgNationally 2.90%
Details

Must open with $500 minimum in new money or have a First Harvest Checking Account

Rate History
No change since Oct 2, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 2, 2026: 4.25% APYOct 2, 2026Oct 25, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
Share Certificate 24 Month
$500
4.25% ▲ 1.52% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.52% above avgNationally 2.90%
Details

Must open with $500 minimum in new money or have a First Harvest Checking Account

Rate History
No change since Oct 2, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 2, 2026: 4.25% APYOct 2, 2026Oct 25, 2026
Bogota Savings Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.77%
Certificates of Deposit IRA - 24-Month
$500
4.25% ▲ 1.52% above New Jersey avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Jersey Average2.73%▲ 1.52% above avgNationally 2.90%
Details

Interest Compounded Daily | Posted Monthly

Rate History
No change since Oct 21, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 25, 2026
Bogota Savings Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.77%
Online Certificate of Deposit - 24-Month
$1,000
4.25% ▲ 1.52% above New Jersey avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Jersey Average2.73%▲ 1.52% above avgNationally 2.90%
Details

Interest Compounded Daily | Posted Monthly

Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 19, 2026: 4.25% APYSep 19, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-Month CD
$500
4.25% ▲ 1.52% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.73%▲ 1.52% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
2 Year Share Certificate
$1,000
4.25% ▲ 1.52% above New Jersey avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.73%▲ 1.52% above avgNationally 2.90%
Details

Share Certificate Accounts as of September 15, 2026

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
24 Month Share Certificate
$0
4.18% ▲ 1.45% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.73%▲ 1.45% above avgNationally 2.90%
Details

Share Certificate Type; Annual Percentage Rate 4.10%

Rate History
No change since Sep 30, 2026 · 4.18% APY · checked 6 times
3.68%4.18%4.68%Sep 30, 2026: 4.18% APYSep 30, 2026Oct 25, 2026
Freedom Bank Maywood, NJ
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Certificate of Deposit - 24 Month Special
$500
4.15% ▲ 1.42% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.73%▲ 1.42% above avgNationally 2.90%
Details

New Money Only; Minimum daily balance to open and obtain APY: $500.00

Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 25, 2026
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Share Certificate - 2 Years
$0
4.12% ▲ 1.39% above New Jersey avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.73%▲ 1.39% above avgNationally 2.90%
Details

APR/APY as printed: 4.05% - 4.12%; Amount: $1,000

Rate History
No change since Oct 23, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 25, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Share Certificate - 24 month
$5,000
4.11% ▲ 1.38% above New Jersey avg
View
▼
Rate4.05%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.73%▲ 1.38% above avgNationally 2.90%
Details

Minimum of $5,000.00. A penalty may be charged for early withdrawal.

Rate History
1 change since Sep 16, 2026 · 3.50% → 4.11% ▲ 0.61 pts · high 4.11% / low 3.50%
2.89%3.81%4.72%Sep 16, 2026: 3.50% APYSep 25, 2026: 4.11% APYSep 16, 2026Oct 25, 2026
  • Sep 25, 20264.11%▲ from 3.50%
  • Sep 16, 20263.50%first recorded
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 24 Month
$0
4.11% ▲ 1.38% above New Jersey avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.73%▲ 1.38% above avgNationally 2.90%
Details

Balance: $25,000 & Over; $1000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 13, 2026: 4.11% APYOct 13, 2026Oct 25, 2026
Haddon Savings Bank
Institution Rating:
B3.7 ★Texas Ratio: 2.65%
Certificate of Deposit - 2 Years
$0
4.10% ▲ 1.37% above New Jersey avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.73%▲ 1.37% above avgNationally 2.90%
Details

Payment of Interest: Monthly or Quarterly

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
24 Month Certificate
$0
4.10% ▲ 1.37% above New Jersey avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.73%▲ 1.37% above avgNationally 2.90%
Details

APY paid on $1,000 minimum balance; Rate effective as of October 5, 2026

Rate History
1 change since Sep 17, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 17, 2026: 4.00% APYSep 18, 2026: 4.10% APYSep 17, 2026Oct 25, 2026
  • Sep 18, 20264.10%▲ from 4.00%
  • Sep 17, 20264.00%first recorded
Amboy Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
24 Month Treasury Index CD
$100
4.10% ▲ 1.37% above New Jersey avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.73%▲ 1.37% above avgNationally 2.90%
Details

Balance: $25,000 - $500,000; Earns no interest under $25,000; Rate changes quarterly, matched to Wall Street Journal 3-Month Treasury rate; $500,000 maximum per household; Offer available for new money not currently on deposit at Amboy Direct; Not available at Amboy branches; Online Only

Rate History
1 change since Sep 25, 2026 · 3.82% → 4.10% ▲ 0.28 pts · high 4.10% / low 3.82%
3.32%3.96%4.60%Sep 25, 2026: 3.82% APYOct 19, 2026: 4.10% APYSep 25, 2026Oct 25, 2026
  • Oct 19, 20264.10%▲ from 3.82%
  • Sep 25, 20263.82%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
24 Month Certificate
$500
4.08% ▲ 1.35% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.73%▲ 1.35% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 15, 2026: 4.08% APYOct 15, 2026Oct 25, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 24 Month
$0
4.06% ▲ 1.33% above New Jersey avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.73%▲ 1.33% above avgNationally 2.90%
Details

Balance: $10,000 - $24,999.99; $1000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 25, 2026
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
Certificate of Deposit - 24-Month
$500
4.05% ▲ 1.32% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.73%▲ 1.32% above avgNationally 2.90%
Details

APY = Annual Percentage Yield. Penalty may be applied for early withdrawal. Certificate terms for 6 months and above are available for IRA accounts.

Rate History
No change since Sep 20, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 20, 2026: 4.05% APYSep 20, 2026Oct 25, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Certificates of Deposit - 24 Month Pick Your Term
$5,000
4.00% ▲ 1.27% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.27% above avgNationally 2.90%
Details

Balance Required to Obtain APY: $5,000 or more

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Certificate of Deposit - 2-Year
$0
4.00% ▲ 1.27% above New Jersey avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.73%▲ 1.27% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 6 Months Interest

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
24-Month CD
$0
4.00% ▲ 1.27% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.73%▲ 1.27% above avgNationally 2.90%
Details

APY effective as of October 10, 2026

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
2 Year Certificate
$500
4.00% ▲ 1.27% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.73%▲ 1.27% above avgNationally 2.90%
Details

Interest compounded/credited: Continuously/ Monthly; Section: CD / IRA / Education Rates

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 25, 2026
Manasquan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
2 Year IRA Certificate
$500
4.00% ▲ 1.27% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.73%▲ 1.27% above avgNationally 2.90%
Details

Interest compounded/credited: Continuously/ Monthly

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 25, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 24-Month
$500
4.00% ▲ 1.27% above New Jersey avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.73%▲ 1.27% above avgNationally 2.90%
Details

Fixed; Regular or IRA/HSA Share Certificate

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 25, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 24 Month
$0
4.00% ▲ 1.27% above New Jersey avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.73%▲ 1.27% above avgNationally 2.90%
Details

Balance: $1,000 - $9,999.99; $1000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 25, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Individual Retirement Account (IRA) - 2 years Fixed Rate Add
$0
3.95% ▲ 1.22% above New Jersey avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.22% above avgNationally 2.90%
Details

Fixed rate add on; add-on feature: deposits of $25 or more can be added at any time; minimum balance of $100; IRA rates effective 09/18/2026; APY based on annual compounding; substantial penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 20, 2026: 3.95% APYOct 20, 2026Oct 25, 2026
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Share Certificate - 24 Month
$1,000
3.95% ▲ 1.22% above New Jersey avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.73%▲ 1.22% above avgNationally 2.90%
Details

Minimum balance of $1,000 to open; rates accurate as of 9/18/2026

Rate History
1 change since Oct 13, 2026 · 3.82% → 3.95% ▲ 0.14 pts · high 3.95% / low 3.82%
3.32%3.88%4.45%Oct 13, 2026: 3.82% APYOct 23, 2026: 3.95% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20263.95%▲ from 3.82%
  • Oct 13, 20263.82%first recorded
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Traditional, Educational, and Roth IRA Share Certificate - 24-month
$10,000
3.80% ▲ 1.07% above New Jersey avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.07% above avgNationally 2.90%
Details

Jumbo certificate; APY in effect for the term but may change on renewal; compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Fixed Rate Share Certificate - 24-month
$10,000
3.75% ▲ 1.02% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.02% above avgNationally 2.90%
Details

Jumbo certificate; must maintain minimum $10,000.00 balance to earn advertised APY

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Traditional, Educational, and Roth IRA Share Certificates - 24-month
$1,000
3.75% ▲ 1.02% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 1.02% above avgNationally 2.90%
Details

Term taken from the page's Traditional, Educational, and Roth IRA Share Certificates section; the source table's term cells are blank

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.70% ▲ 0.97% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 0.97% above avgNationally 2.90%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
Customers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
24-month CD
$0
3.70% ▲ 0.97% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.73%▲ 0.97% above avgNationally 2.90%
Details

No minimum to open. Minimum balance to earn stated APY is $500.00. APY is accurate as of 9/25/2026.

Rate History
No change since Oct 22, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 22, 2026: 3.70% APYOct 22, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Fixed Rate Share Certificate - 24-month
$1,000
3.70% ▲ 0.97% above New Jersey avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 0.97% above avgNationally 2.90%
Details

Dividends compounded and credited quarterly; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Raise Your Rate Share Certificate - 24 Month
$1,000
3.70% ▲ 0.97% above New Jersey avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.73%▲ 0.97% above avgNationally 2.90%
Details

Raise Your Rate; up to three rate raises allowed; first raise available after six months; must maintain $1,000 balance to earn APY

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 25, 2026

Ramsey 36 Month CD Rates

New Jersey 36 Month CD Average2.42% APYNational 2.81%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
161 N Franklin Tpke, Ramsey, NJ 07446
36-Month Certificate of Deposit
$500
3.20% ▲ 0.78% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.42%▲ 0.78% above avgNationally 2.81%
Details

Earn 3.20% APY on balances of $500 or more; account matures in 36 months; fund with up to $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
161 N Franklin Tpke, Ramsey, NJ 07446
36-Month Fixed Rate CD
$0
3.20% ▲ 0.78% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.42%▲ 0.78% above avgNationally 2.81%
Details

Featured on page under Grow your savings your way

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
3 Year TD Choice CD
$250
2.00% ▼ 0.42% below New Jersey avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.42%▼ 0.42% below avgNationally 2.81%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
3 Year TD Choice CD
$250
1.99% ▼ 0.43% below New Jersey avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.42%▼ 0.43% below avgNationally 2.81%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month CD
$0
4.85% ▲ 2.43% above New Jersey avg
View
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.42%▲ 2.43% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.85% ▲ 0.35 pts · high 4.85% / low 4.50%
4.00%4.68%5.35%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.80% APYOct 14, 2026: 4.85% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20264.85%▲ from 4.80%
  • Oct 1, 20264.80%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 Year High-Yield CD
$500
4.40% ▲ 1.98% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.42%▲ 1.98% above avgNationally 2.81%
Details

Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
36 Month Share Certificate
$0
4.23% ▲ 1.81% above New Jersey avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.81% above avgNationally 2.81%
Details

Share Certificate Type; Annual Percentage Rate 4.15%

Rate History
No change since Sep 30, 2026 · 4.23% APY · checked 6 times
3.73%4.23%4.73%Sep 30, 2026: 4.23% APYSep 30, 2026Oct 25, 2026
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Share Certificate - 3 Years
$0
4.17% ▲ 1.75% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.75% above avgNationally 2.81%
Details

APR/APY as printed: 4.10% - 4.17%; Amount: $1,000

Rate History
No change since Oct 23, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 23, 2026: 4.17% APYOct 23, 2026Oct 25, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Share Certificate - 36 month
$5,000
4.16% ▲ 1.74% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.74% above avgNationally 2.81%
Details

Minimum of $5,000.00. A penalty may be charged for early withdrawal.

Rate History
1 change since Sep 16, 2026 · 3.34% → 4.16% ▲ 0.82 pts · high 4.16% / low 3.34%
2.52%3.75%4.98%Sep 16, 2026: 3.34% APYSep 25, 2026: 4.16% APYSep 16, 2026Oct 25, 2026
  • Sep 25, 20264.16%▲ from 3.34%
  • Sep 16, 20263.34%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15% ▲ 1.73% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.42%▲ 1.73% above avgNationally 2.81%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
3 Year Share Certificate
$1,000
4.15% ▲ 1.73% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.42%▲ 1.73% above avgNationally 2.81%
Details

Share Certificate Accounts as of September 15, 2026

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10% ▲ 1.68% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.42%▲ 1.68% above avgNationally 2.81%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
Certificate of Deposit - 36-Month
$500
4.10% ▲ 1.68% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.42%▲ 1.68% above avgNationally 2.81%
Details

APY = Annual Percentage Yield. Penalty may be applied for early withdrawal. Certificate terms for 6 months and above are available for IRA accounts.

Rate History
No change since Sep 20, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 20, 2026: 4.10% APYSep 20, 2026Oct 25, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
36 Month Certificate
$0
4.01% ▲ 1.59% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.59% above avgNationally 2.81%
Details

APY paid on $1,000 minimum balance; Rate effective as of October 5, 2026

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 18, 2026: 3.91% APYOct 23, 2026: 4.01% APYSep 18, 2026Oct 25, 2026
  • Oct 23, 20264.01%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Share Certificate - 36 Month
$1,000
3.95% ▲ 1.53% above New Jersey avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.53% above avgNationally 2.81%
Details

Minimum balance of $1,000 to open; rates accurate as of 9/18/2026

Rate History
1 change since Oct 13, 2026 · 3.82% → 3.95% ▲ 0.14 pts · high 3.95% / low 3.82%
3.32%3.88%4.45%Oct 13, 2026: 3.82% APYOct 23, 2026: 3.95% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20263.95%▲ from 3.82%
  • Oct 13, 20263.82%first recorded
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Traditional, Educational, and Roth IRA Share Certificate - 36-month
$10,000
3.80% ▲ 1.38% above New Jersey avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.42%▲ 1.38% above avgNationally 2.81%
Details

Jumbo certificate; APY in effect for the term but may change on renewal; compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Fixed Rate Share Certificate - 36-month
$10,000
3.75% ▲ 1.33% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.42%▲ 1.33% above avgNationally 2.81%
Details

Jumbo certificate; must maintain minimum $10,000.00 balance to earn advertised APY

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Traditional, Educational, and Roth IRA Share Certificates - 36-month
$1,000
3.75% ▲ 1.33% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.42%▲ 1.33% above avgNationally 2.81%
Details

Term taken from the page's Traditional, Educational, and Roth IRA Share Certificates section; the source table's term cells are blank

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 3 Years
$0
3.75% ▲ 1.33% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.33% above avgNationally 2.81%
Details

Maximum Balance: $1,000,000 per member; Rates effective as of 10/22/2026; 1 year or longer certificate dividends compound quarterly

Rate History
1 change since Oct 12, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Oct 12, 2026: 3.25% APYOct 23, 2026: 3.75% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20263.75%▲ from 3.25%
  • Oct 12, 20263.25%first recorded
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificates 36 months
$0
3.75% ▲ 1.33% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.33% above avgNationally 2.81%
Details

IRA Certificate; NCUA-insured

Rate History
1 change since Oct 12, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Oct 12, 2026: 3.25% APYOct 23, 2026: 3.75% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20263.75%▲ from 3.25%
  • Oct 12, 20263.25%first recorded
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 36-Month
$500
3.75% ▲ 1.33% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.33% above avgNationally 2.81%
Details

Fixed; Regular or IRA/HSA Share Certificate

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Fixed Rate Share Certificate - 36-month
$1,000
3.70% ▲ 1.28% above New Jersey avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.42%▲ 1.28% above avgNationally 2.81%
Details

Dividends compounded and credited quarterly; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Raise Your Rate Share Certificate - 36 Month
$1,000
3.70% ▲ 1.28% above New Jersey avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.42%▲ 1.28% above avgNationally 2.81%
Details

Raise Your Rate; up to three rate raises allowed; first raise available after six months; must maintain $1,000 balance to earn APY

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 36 Month
$0
3.70% ▲ 1.28% above New Jersey avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.42%▲ 1.28% above avgNationally 2.81%
Details

Balance: $25,000 & Over; $1000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 25, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
36 Month Certificate
$500
3.66% ▲ 1.24% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.24% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 15, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 15, 2026: 3.66% APYOct 15, 2026Oct 25, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
3 Year Certificate
$0
3.65% ▲ 1.23% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.42%▲ 1.23% above avgNationally 2.81%
Details

Effective October 19, 2026

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Business 3 Year Certificate
$0
3.65% ▲ 1.23% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.42%▲ 1.23% above avgNationally 2.81%
Details

Effective October 19, 2026; Business Checking Account required

Rate History
No change since Oct 19, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 19, 2026: 3.65% APYOct 19, 2026Oct 25, 2026
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Certificate - 36 Month
$500
3.60% ▲ 1.18% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.18% above avgNationally 2.81%
Details

Crediting Frequency: Monthly; *Annual Percentage Yield (APY) effective 10/01/2026 is subject to change without notice. $500 minimum balance to open a CD. Penalties may be imposed for early withdrawal. APY assumes dividends remain in the CD. Minimum balance required within the accounts is $100 to earn interest.

Rate History
No change since Oct 22, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 22, 2026: 3.60% APYOct 22, 2026Oct 25, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 36 Month
$0
3.60% ▲ 1.18% above New Jersey avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.42%▲ 1.18% above avgNationally 2.81%
Details

Balance: $10,000 - $24,999.99; $1000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 25, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
36 Month Share Certificate
$0
3.56% ▲ 1.14% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.14% above avgNationally 2.81%
Details

APYs effective as of 7/1/26

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 25, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
IRA Certificate - 36 month IRA share certificate
$0
3.56% ▲ 1.14% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.14% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 23, 2026: 3.56% APYOct 23, 2026Oct 25, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 36 Month
$0
3.55% ▲ 1.13% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.42%▲ 1.13% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999.99; $1000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
36 Month 360 CD
$0
3.50% ▲ 1.08% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.42%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.50%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 36 Month
$500
3.50% ▲ 1.08% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.42%▲ 1.08% above avgNationally 2.81%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
36 Month CD
$2,500
3.50% ▲ 1.08% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Jersey Average2.42%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 27, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 27, 2026: 3.00% APYOct 7, 2026: 3.50% APYSep 27, 2026Oct 25, 2026
  • Oct 7, 20263.50%▲ from 3.00%
  • Sep 27, 20263.00%first recorded
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA 36-month Certificate
$500
3.50% ▲ 1.08% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Jersey Average2.42%▲ 1.08% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 25, 2026
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 3-Year
$500
3.50% ▲ 1.08% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.08% above avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 25, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
3 Year Jumbo Certificates
$0
3.45% ▲ 1.03% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.03% above avgNationally 2.81%
Details

Jumbo Certificates $50,000 Minimum; Dividend Rate 3.397%

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 25, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
IRA Certificates - 3 year
$0
3.45% ▲ 1.03% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.03% above avgNationally 2.81%
Details

$1,000 Minimum

Rate History
1 change since Sep 16, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
2.85%3.40%3.95%Sep 16, 2026: 3.35% APYOct 23, 2026: 3.45% APYSep 16, 2026Oct 25, 2026
  • Oct 23, 20263.45%▲ from 3.35%
  • Sep 16, 20263.35%first recorded
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
Certificate - 3 Years
$0
3.45% ▲ 1.03% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 9 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
Certificate PLU$ - 3 Years
$0
3.45% ▲ 1.03% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
Share Certificate - 36 Month
$1,000
3.44% ▲ 1.02% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 1.02% above avgNationally 2.81%
Details

Effective Date - Sept. 2026; ** One thousand dollar minimum**; FENFCU early withdrawal penalty: 25 basis points (1/4%) per quarter or portion of a quarter on certificate balance

Rate History
1 change since Sep 17, 2026 · 2.02% → 3.44% ▲ 1.42 pts · high 3.44% / low 2.02%
0.60%2.73%4.86%Sep 17, 2026: 2.02% APYOct 8, 2026: 3.44% APYSep 17, 2026Oct 25, 2026
  • Oct 8, 20263.44%▲ from 2.02%
  • Sep 17, 20262.02%first recorded
New Jersey Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
36 Month CD (Certificate of Deposit) - Share Certificates/IRA Certificates Rollover / New Balances
$0
3.41% ▲ 0.99% above New Jersey avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 0.99% above avgNationally 2.81%
Details

Balance: $50,000+; Effective date as of September 21, 2026

Rate History
No change since Oct 23, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 23, 2026: 3.41% APYOct 23, 2026Oct 25, 2026
Garden State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
36 Month Certificates of Deposit - Rollover / New Balances
$0
3.41% ▲ 0.99% above New Jersey avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 0.99% above avgNationally 2.81%
Details

Balance: $50,000 & Above; Preferred rate with automatic payroll deduction; coupon book 1/2 point higher

Rate History
No change since Oct 13, 2026 · 3.41% APY · checked 2 times
2.91%3.41%3.91%Oct 13, 2026: 3.41% APYOct 13, 2026Oct 25, 2026
Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month CD
$100
3.40% ▲ 0.98% above New Jersey avg
View
▼
Rate3.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.42%▲ 0.98% above avgNationally 2.81%
Details

Compounding: Continuous

Rate History
No change since Sep 20, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 20, 2026: 3.40% APYSep 20, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Year Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.35% ▲ 0.93% above New Jersey avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 0.93% above avgNationally 2.81%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 15, 2026: 3.35% APYOct 15, 2026Oct 25, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Year IRA Certificate
$1,000
3.30% ▲ 0.88% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.42%▲ 0.88% above avgNationally 2.81%
Details

3 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 25, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificate - 36 Months
$500
3.30% ▲ 0.88% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 0.88% above avgNationally 2.81%
Details

Minimum balance to open account and obtain the APY is $500

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
36 Month Share Certificate
$500
3.30% ▲ 0.88% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 0.88% above avgNationally 2.81%
Details

SC 36 Mo.; Early withdrawal penalty: 90 days' dividends; Rates As Of 9/17/2026

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
IRA Roth or Traditional SC 36 Mo.
$500
3.30% ▲ 0.88% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.42%▲ 0.88% above avgNationally 2.81%
Details

IRA Certificate; Early withdrawal penalty: 90 days' dividends; Rates As Of 9/17/2026

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 9 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 25, 2026

Ramsey 48 Month CD Rates

New Jersey 48 Month CD Average2.43% APYNational 2.81%▼ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
161 N Franklin Tpke, Ramsey, NJ 07446
48-Month Certificate of Deposit
$500
3.05% ▲ 0.62% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.43%▲ 0.62% above avgNationally 2.81%
Details

Earn 3.05% APY on balances of $500 or more; account matures in 48 months; fund with up to $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 8 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
4 Year TD Choice CD
$0
1.99% ▼ 0.44% below New Jersey avg
View
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.43%▼ 0.44% below avgNationally 2.81%
Details

No Longer for Sale

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month CD
$0
4.95% ▲ 2.52% above New Jersey avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.43%▲ 2.52% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.95% ▲ 0.45 pts · high 4.95% / low 4.50%
4.00%4.73%5.45%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.85% APYOct 14, 2026: 4.95% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20264.95%▲ from 4.85%
  • Oct 1, 20264.85%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 Year High-Yield CD
$500
4.40% ▲ 1.97% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.43%▲ 1.97% above avgNationally 2.81%
Details

Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
48 Month Share Certificate
$0
4.23% ▲ 1.80% above New Jersey avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 1.80% above avgNationally 2.81%
Details

Share Certificate Type; Annual Percentage Rate 4.15%

Rate History
No change since Sep 30, 2026 · 4.23% APY · checked 6 times
3.73%4.23%4.73%Sep 30, 2026: 4.23% APYSep 30, 2026Oct 25, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Share Certificate - 48 month
$5,000
4.16% ▲ 1.73% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 1.73% above avgNationally 2.81%
Details

Minimum of $5,000.00. A penalty may be charged for early withdrawal.

Rate History
1 change since Sep 16, 2026 · 3.34% → 4.16% ▲ 0.82 pts · high 4.16% / low 3.34%
2.52%3.75%4.98%Sep 16, 2026: 3.34% APYSep 25, 2026: 4.16% APYSep 16, 2026Oct 25, 2026
  • Sep 25, 20264.16%▲ from 3.34%
  • Sep 16, 20263.34%first recorded
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
Certificate of Deposit - 48-Month
$500
4.15% ▲ 1.72% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.43%▲ 1.72% above avgNationally 2.81%
Details

APY = Annual Percentage Yield. Penalty may be applied for early withdrawal. Certificate terms for 6 months and above are available for IRA accounts.

Rate History
No change since Sep 20, 2026 · 4.15% APY · checked 8 times
3.65%4.15%4.65%Sep 20, 2026: 4.15% APYSep 20, 2026Oct 25, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
4 Year Share Certificate
$1,000
4.15% ▲ 1.72% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.43%▲ 1.72% above avgNationally 2.81%
Details

Share Certificate Accounts as of September 15, 2026

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 25, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
48 Month Certificate
$0
4.01% ▲ 1.58% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 1.58% above avgNationally 2.81%
Details

APY paid on $1,000 minimum balance; Rate effective as of October 5, 2026

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 18, 2026: 3.91% APYOct 23, 2026: 4.01% APYSep 18, 2026Oct 25, 2026
  • Oct 23, 20264.01%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Share Certificate - 48 Month
$1,000
3.81% ▲ 1.38% above New Jersey avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 1.38% above avgNationally 2.81%
Details

Minimum balance of $1,000 to open; rates accurate as of 9/18/2026

Rate History
1 change since Oct 13, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.31%Oct 13, 2026: 3.56% APYOct 23, 2026: 3.82% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20263.82%▲ from 3.56%
  • Oct 13, 20263.56%first recorded
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Traditional, Educational, and Roth IRA Share Certificate - 48-month
$10,000
3.80% ▲ 1.37% above New Jersey avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.43%▲ 1.37% above avgNationally 2.81%
Details

Jumbo certificate; APY in effect for the term but may change on renewal; compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Fixed Rate Share Certificate - 48-month
$10,000
3.75% ▲ 1.32% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.43%▲ 1.32% above avgNationally 2.81%
Details

Jumbo certificate; must maintain minimum $10,000.00 balance to earn advertised APY

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Traditional, Educational, and Roth IRA Share Certificates - 48-month
$1,000
3.75% ▲ 1.32% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.43%▲ 1.32% above avgNationally 2.81%
Details

Term taken from the page's Traditional, Educational, and Roth IRA Share Certificates section; the source table's term cells are blank

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA 48-month Certificate
$500
3.75% ▲ 1.32% above New Jersey avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Jersey Average2.43%▲ 1.32% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 25, 2026
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Certificate - 48 Month
$500
3.75% ▲ 1.32% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 1.32% above avgNationally 2.81%
Details

Crediting Frequency: Monthly; *Annual Percentage Yield (APY) effective 10/01/2026 is subject to change without notice. $500 minimum balance to open a CD. Penalties may be imposed for early withdrawal. APY assumes dividends remain in the CD. Minimum balance required within the accounts is $100 to earn interest.

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 48-Month
$500
3.75% ▲ 1.32% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 1.32% above avgNationally 2.81%
Details

Fixed; Regular or IRA/HSA Share Certificate

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4 Year Certificate
$0
3.75% ▲ 1.32% above New Jersey avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.43%▲ 1.32% above avgNationally 2.81%
Details

Effective October 19, 2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Business 4 Year Certificate
$0
3.75% ▲ 1.32% above New Jersey avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.43%▲ 1.32% above avgNationally 2.81%
Details

Effective October 19, 2026; Business Checking Account required

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Fixed Rate Share Certificate - 48-month
$1,000
3.70% ▲ 1.27% above New Jersey avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.43%▲ 1.27% above avgNationally 2.81%
Details

Dividends compounded and credited quarterly; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Raise Your Rate Share Certificate - 48 Month
$1,000
3.70% ▲ 1.27% above New Jersey avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.43%▲ 1.27% above avgNationally 2.81%
Details

Raise Your Rate; up to three rate raises allowed; first raise available after six months; must maintain $1,000 balance to earn APY

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 48 Month
$0
3.70% ▲ 1.27% above New Jersey avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.43%▲ 1.27% above avgNationally 2.81%
Details

Balance: $25,000 & Over; $1000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 25, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 48 Month
$0
3.65% ▲ 1.22% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.43%▲ 1.22% above avgNationally 2.81%
Details

Balance: $10,000 - $24,999.99; $1000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 25, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 48 Month
$500
3.60% ▲ 1.17% above New Jersey avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.43%▲ 1.17% above avgNationally 2.81%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 48 Month
$0
3.60% ▲ 1.17% above New Jersey avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.43%▲ 1.17% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999.99; $1000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 25, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
48 Month Share Certificate
$0
3.56% ▲ 1.13% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 1.13% above avgNationally 2.81%
Details

APYs effective as of 7/1/26

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 25, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
IRA Certificate - 48 month IRA share certificate
$0
3.56% ▲ 1.13% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 1.13% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 23, 2026: 3.56% APYOct 23, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
48 Month 360 CD
$0
3.50% ▲ 1.07% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.43%▲ 1.07% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.50%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA 48 Month Time Deposit
$0
3.50% ▲ 1.07% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.43%▲ 1.07% above avgNationally 2.81%
Details

Fees:

Rate History
1 change since Sep 24, 2026 · 3.10% → 3.50% ▲ 0.40 pts · high 3.50% / low 3.10%
2.60%3.30%4.00%Sep 24, 2026: 3.10% APYOct 20, 2026: 3.50% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.50%▲ from 3.10%
  • Sep 24, 20263.10%first recorded
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Time Deposit - 48 Months
$500
3.50% ▲ 1.07% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.43%▲ 1.07% above avgNationally 2.81%
Details

Fees:; Minimum $500 required to open a CD

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 4-Year
$500
3.50% ▲ 1.07% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 1.07% above avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 25, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
4 Year Jumbo Certificates
$0
3.50% ▲ 1.07% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 1.07% above avgNationally 2.81%
Details

Jumbo Certificates $50,000 Minimum; Dividend Rate 3.445%

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 25, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
IRA Certificates - 4 year
$0
3.50% ▲ 1.07% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 1.07% above avgNationally 2.81%
Details

$1,000 Minimum

Rate History
1 change since Sep 16, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 16, 2026: 3.40% APYOct 23, 2026: 3.50% APYSep 16, 2026Oct 25, 2026
  • Oct 23, 20263.50%▲ from 3.40%
  • Sep 16, 20263.40%first recorded
New Jersey Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
48 Month CD (Certificate of Deposit) - Share Certificates/IRA Certificates Rollover / New Balances
$0
3.46% ▲ 1.03% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 1.03% above avgNationally 2.81%
Details

Balance: $50,000+; Effective date as of September 21, 2026

Rate History
No change since Oct 23, 2026 · 3.46% APY
2.96%3.46%3.96%Oct 23, 2026: 3.46% APYOct 23, 2026Oct 25, 2026
Garden State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
48 Month Certificates of Deposit - Rollover / New Balances
$0
3.46% ▲ 1.03% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 1.03% above avgNationally 2.81%
Details

Balance: $50,000 & Above; Preferred rate with automatic payroll deduction; coupon book 1/2 point higher

Rate History
No change since Oct 13, 2026 · 3.46% APY · checked 2 times
2.96%3.46%3.96%Oct 13, 2026: 3.46% APYOct 13, 2026Oct 25, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
Certificate - 4 Years
$0
3.45% ▲ 1.02% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 1.02% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 9 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
Certificate PLU$ - 4 Years
$0
3.45% ▲ 1.02% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 1.02% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4 Year Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.40% ▲ 0.97% above New Jersey avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 0.97% above avgNationally 2.81%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 15, 2026: 3.40% APYOct 15, 2026Oct 25, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year IRA Certificate
$1,000
3.30% ▲ 0.87% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.43%▲ 0.87% above avgNationally 2.81%
Details

4 Year IRA Certificate; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 25, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificate - 48 Months
$500
3.30% ▲ 0.87% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 0.87% above avgNationally 2.81%
Details

Minimum balance to open account and obtain the APY is $500

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
48 Month Share Certificate
$500
3.30% ▲ 0.87% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 0.87% above avgNationally 2.81%
Details

SC 48 Mo.; Early withdrawal penalty: 90 days' dividends; Rates As Of 9/17/2026

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
IRA Roth or Traditional SC 48 Mo.
$500
3.30% ▲ 0.87% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 0.87% above avgNationally 2.81%
Details

IRA Certificate; Early withdrawal penalty: 90 days' dividends; Rates As Of 9/17/2026

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 9 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 25, 2026
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
48 Month Certificate
$0
3.30% ▲ 0.87% above New Jersey avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 0.87% above avgNationally 2.81%
Details

Balance: $25,000 and over

Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 22, 2026: 3.30% APYOct 22, 2026Oct 25, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Certificate - 4 Year
$0
3.25% ▲ 0.82% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 0.82% above avgNationally 2.81%
Details

Balance: $1,000 - $49,999

Rate History
1 change since Sep 16, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
2.65%3.20%3.75%Sep 16, 2026: 3.15% APYOct 4, 2026: 3.25% APYSep 16, 2026Oct 25, 2026
  • Oct 4, 20263.25%▲ from 3.15%
  • Sep 16, 20263.15%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4 Year Regular & Jumbo Certificates (Personal) - Regular
$0
3.25% ▲ 0.82% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 0.82% above avgNationally 2.81%
Details

Balance: Under $100,000; Regular

Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4 Year Regular Certificate (Personal)
$0
3.25% ▲ 0.82% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 0.82% above avgNationally 2.81%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APYOct 15, 2026Oct 25, 2026
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
Certificate - 48 Months
$5,000
3.25% ▲ 0.82% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 0.82% above avgNationally 2.81%
Details

Minimum Deposit $5,000 Combined; Term: 4 Years; Bonus dividend of an additional 0.10% on certificates of 2 years or more with a balance of $50,000 or more; Penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 25, 2026
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
48 Month Certificate
$0
3.25% ▲ 0.82% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 0.82% above avgNationally 2.81%
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Altra Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Certificate - 48-month
$0
3.25% ▲ 0.82% above New Jersey avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 0.82% above avgNationally 2.81%
Details

Rates effective October 1, 2026; subject to change; Penalty: 180 days of dividends for terms over 12 months

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Federal Employees Newark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
Share Certificate - 48 Month
$1,000
3.24% ▲ 0.81% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 0.81% above avgNationally 2.81%
Details

Effective Date - Sept. 2026; ** One thousand dollar minimum**; FENFCU early withdrawal penalty: 25 basis points (1/4%) per quarter or portion of a quarter on certificate balance

Rate History
No change since Oct 8, 2026 · 3.24% APY · checked 4 times
2.74%3.24%3.74%Oct 8, 2026: 3.24% APYOct 8, 2026Oct 25, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
Share Certificates - 48 Month SC
$1,000
3.24% ▲ 0.81% above New Jersey avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.43%▲ 0.81% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.24% APY · checked 3 times
2.74%3.24%3.74%Oct 13, 2026: 3.24% APYOct 13, 2026Oct 25, 2026

Ramsey 60 Month CD Rates

New Jersey 60 Month CD Average2.59% APYNational 2.92%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
5 Year TD Choice CD
$250
2.00% ▼ 0.59% below New Jersey avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.59%▼ 0.59% below avgNationally 2.92%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Lake St, Ramsey, NJ 07446
5 Year TD Choice CD
$250
1.99% ▼ 0.60% below New Jersey avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.59%▼ 0.60% below avgNationally 2.92%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
385 N Franklin Tpke, Ramsey, NJ 07446
5 Year Certificate of Deposit
$0
1.25% ▼ 1.34% below New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Jersey Average2.59%▼ 1.34% below avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Oct 25, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month CD
$0
5.00% ▲ 2.41% above New Jersey avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.59%▲ 2.41% above avgNationally 2.92%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50%
4.00%4.75%5.50%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.95% APYOct 14, 2026: 5.00% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20265.00%▲ from 4.95%
  • Oct 1, 20264.95%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 Year High-Yield CD
$500
4.40% ▲ 1.81% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.59%▲ 1.81% above avgNationally 2.92%
Details

Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
B M S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Share Certificate - 5 Years
$0
4.28% ▲ 1.69% above New Jersey avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 1.69% above avgNationally 2.92%
Details

APR/APY as printed: 4.20% - 4.28%; Amount: $1,000

Rate History
No change since Oct 23, 2026 · 4.28% APY
3.78%4.28%4.78%Oct 23, 2026: 4.28% APYOct 23, 2026Oct 25, 2026
Seaport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
60 Month Share Certificate
$0
4.23% ▲ 1.64% above New Jersey avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 1.64% above avgNationally 2.92%
Details

Share Certificate Type; Annual Percentage Rate 4.15%

Rate History
No change since Sep 30, 2026 · 4.23% APY · checked 6 times
3.73%4.23%4.73%Sep 30, 2026: 4.23% APYSep 30, 2026Oct 25, 2026
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
Certificate of Deposit - 60-Month
$500
4.20% ▲ 1.61% above New Jersey avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Jersey Average2.59%▲ 1.61% above avgNationally 2.92%
Details

APY = Annual Percentage Yield. Penalty may be applied for early withdrawal. Certificate terms for 6 months and above are available for IRA accounts.

Rate History
No change since Sep 20, 2026 · 4.20% APY · checked 8 times
3.70%4.20%4.70%Sep 20, 2026: 4.20% APYSep 20, 2026Oct 25, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Share Certificate - 60 month
$5,000
4.16% ▲ 1.57% above New Jersey avg
View
▼
Rate4.10%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 1.57% above avgNationally 2.92%
Details

Minimum of $5,000.00. A penalty may be charged for early withdrawal.

Rate History
1 change since Sep 16, 2026 · 3.34% → 4.16% ▲ 0.82 pts · high 4.16% / low 3.34%
2.52%3.75%4.98%Sep 16, 2026: 3.34% APYSep 25, 2026: 4.16% APYSep 16, 2026Oct 25, 2026
  • Sep 25, 20264.16%▲ from 3.34%
  • Sep 16, 20263.34%first recorded
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Business Certificate Account
$0
4.15% ▲ 1.56% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.59%▲ 1.56% above avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 8 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 25, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Certificate
$50
4.15% ▲ 1.56% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.59%▲ 1.56% above avgNationally 2.92%
Details

APY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 25, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month IRA Certificate
$50
4.15% ▲ 1.56% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.59%▲ 1.56% above avgNationally 2.92%
Details

APY as of 10/19/2026

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 25, 2026
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 5.12%
5 Year Share Certificate
$1,000
4.15% ▲ 1.56% above New Jersey avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.59%▲ 1.56% above avgNationally 2.92%
Details

Share Certificate Accounts as of September 15, 2026

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 25, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
60 Month Certificate
$0
4.01% ▲ 1.42% above New Jersey avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 1.42% above avgNationally 2.92%
Details

APY paid on $1,000 minimum balance; Rate effective as of October 5, 2026

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 18, 2026: 3.91% APYOct 23, 2026: 4.01% APYSep 18, 2026Oct 25, 2026
  • Oct 23, 20264.01%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA 60-month Certificate
$500
4.00% ▲ 1.41% above New Jersey avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Jersey Average2.59%▲ 1.41% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
60 Month Certificate
$500
3.92% ▲ 1.33% above New Jersey avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 1.33% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 6 month interest

Rate History
No change since Oct 15, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 15, 2026: 3.92% APYOct 15, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90% ▲ 1.31% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.59%▲ 1.31% above avgNationally 2.92%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85% ▲ 1.26% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.59%▲ 1.26% above avgNationally 2.92%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 25, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
5 Year Certificate
$0
3.85% ▲ 1.26% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.59%▲ 1.26% above avgNationally 2.92%
Details

Effective October 19, 2026

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Business 5 Year Certificate
$0
3.85% ▲ 1.26% above New Jersey avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.59%▲ 1.26% above avgNationally 2.92%
Details

Effective October 19, 2026; Business Checking Account required

Rate History
No change since Oct 19, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 19, 2026: 3.85% APYOct 19, 2026Oct 25, 2026
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Share Certificate - 60 Month
$1,000
3.81% ▲ 1.22% above New Jersey avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 1.22% above avgNationally 2.92%
Details

Minimum balance of $1,000 to open; rates accurate as of 9/18/2026

Rate History
1 change since Oct 13, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.31%Oct 13, 2026: 3.56% APYOct 23, 2026: 3.82% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20263.82%▲ from 3.56%
  • Oct 13, 20263.56%first recorded
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Traditional, Educational, and Roth IRA Share Certificate - 60-month
$10,000
3.80% ▲ 1.21% above New Jersey avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.59%▲ 1.21% above avgNationally 2.92%
Details

Jumbo certificate; APY in effect for the term but may change on renewal; compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Fixed Rate Share Certificate - 60-month
$10,000
3.75% ▲ 1.16% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.59%▲ 1.16% above avgNationally 2.92%
Details

Jumbo certificate; must maintain minimum $10,000.00 balance to earn advertised APY

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Traditional, Educational, and Roth IRA Share Certificates - 60-month
$1,000
3.75% ▲ 1.16% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.59%▲ 1.16% above avgNationally 2.92%
Details

Term taken from the page's Traditional, Educational, and Roth IRA Share Certificates section; the source table's term cells are blank

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA 60 Month Time Deposit
$0
3.75% ▲ 1.16% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.59%▲ 1.16% above avgNationally 2.92%
Details

Fees:

Rate History
1 change since Sep 24, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 24, 2026: 3.25% APYOct 20, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.75%▲ from 3.25%
  • Sep 24, 20263.25%first recorded
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Time Deposit - 60 Months
$500
3.75% ▲ 1.16% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.59%▲ 1.16% above avgNationally 2.92%
Details

Fees:; Minimum $500 required to open a CD

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Certificate - 60 Month
$500
3.75% ▲ 1.16% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 1.16% above avgNationally 2.92%
Details

Crediting Frequency: Monthly; *Annual Percentage Yield (APY) effective 10/01/2026 is subject to change without notice. $500 minimum balance to open a CD. Penalties may be imposed for early withdrawal. APY assumes dividends remain in the CD. Minimum balance required within the accounts is $100 to earn interest.

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 60-Month
$500
3.75% ▲ 1.16% above New Jersey avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 1.16% above avgNationally 2.92%
Details

Fixed; Regular or IRA/HSA Share Certificate

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 60 Month
$0
3.75% ▲ 1.16% above New Jersey avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.59%▲ 1.16% above avgNationally 2.92%
Details

Balance: $25,000 & Over; $1000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Fixed Rate Share Certificate - 60-month
$1,000
3.70% ▲ 1.11% above New Jersey avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.59%▲ 1.11% above avgNationally 2.92%
Details

Dividends compounded and credited quarterly; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
5 Year Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.70% ▲ 1.11% above New Jersey avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 1.11% above avgNationally 2.92%
Details

Balance: $100,000 and above; Jumbo

Rate History
1 change since Oct 15, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Oct 15, 2026: 3.45% APYOct 23, 2026: 3.70% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20263.70%▲ from 3.45%
  • Oct 15, 20263.45%first recorded
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 60 Month
$0
3.70% ▲ 1.11% above New Jersey avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.59%▲ 1.11% above avgNationally 2.92%
Details

Balance: $10,000 - $24,999.99; $1000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 25, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
5 Year IRA Certificate of Deposit
$0
3.65% ▲ 1.06% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 1.06% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
IRA Certificate - 5 Years
$0
3.65% ▲ 1.06% above New Jersey avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 1.06% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
New Jersey Law And Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 60 Month
$0
3.65% ▲ 1.06% above New Jersey avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Jersey Average2.59%▲ 1.06% above avgNationally 2.92%
Details

Balance: $1,000 - $9,999.99; APY printed as '365%' on source page; $1000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5-year online CDs
$0
3.60% ▲ 1.01% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.59%▲ 1.01% above avgNationally 2.92%
Details

Online CD

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
60 Month 360 CD
$0
3.60% ▲ 1.01% above New Jersey avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Jersey Average2.59%▲ 1.01% above avgNationally 2.92%
Details

5-year online CD

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
New Jersey Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
60 Month CD (Certificate of Deposit) - Share Certificates/IRA Certificates Rollover / New Balances
$0
3.56% ▲ 0.97% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 0.97% above avgNationally 2.92%
Details

Balance: $50,000+; Effective date as of September 21, 2026

Rate History
No change since Oct 23, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 23, 2026: 3.56% APYOct 23, 2026Oct 25, 2026
Garden State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.24%
60 Month Certificates of Deposit - Rollover / New Balances
$0
3.56% ▲ 0.97% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 0.97% above avgNationally 2.92%
Details

Balance: $50,000 & Above; Preferred rate with automatic payroll deduction; coupon book 1/2 point higher

Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 13, 2026: 3.56% APYOct 13, 2026Oct 25, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
60 Month Share Certificate
$0
3.56% ▲ 0.97% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 0.97% above avgNationally 2.92%
Details

APYs effective as of 7/1/26

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 25, 2026
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
IRA Certificate - 60 month IRA share certificate
$0
3.56% ▲ 0.97% above New Jersey avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 0.97% above avgNationally 2.92%
Details

Rate History
No change since Oct 23, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 23, 2026: 3.56% APYOct 23, 2026Oct 25, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
5 Year Jumbo Certificates
$0
3.55% ▲ 0.96% above New Jersey avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 0.96% above avgNationally 2.92%
Details

Jumbo Certificates $50,000 Minimum; Dividend Rate 3.494%

Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 8, 2026: 3.55% APYOct 8, 2026Oct 25, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
IRA Certificates - 5 year
$0
3.55% ▲ 0.96% above New Jersey avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 0.96% above avgNationally 2.92%
Details

$1,000 Minimum

Rate History
1 change since Sep 16, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 16, 2026: 3.50% APYOct 23, 2026: 3.55% APYSep 16, 2026Oct 25, 2026
  • Oct 23, 20263.55%▲ from 3.50%
  • Sep 16, 20263.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
5 Year Regular & Jumbo Certificates (Personal) - Regular
$0
3.55% ▲ 0.96% above New Jersey avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 0.96% above avgNationally 2.92%
Details

Balance: Under $100,000; Regular

Rate History
1 change since Oct 15, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Oct 15, 2026: 3.30% APYOct 23, 2026: 3.55% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20263.55%▲ from 3.30%
  • Oct 15, 20263.30%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
5 Year Regular Certificate (Personal)
$0
3.55% ▲ 0.96% above New Jersey avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 0.96% above avgNationally 2.92%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
1 change since Oct 15, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Oct 15, 2026: 3.30% APYOct 23, 2026: 3.55% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20263.55%▲ from 3.30%
  • Oct 15, 20263.30%first recorded
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 5-Year
$500
3.50% ▲ 0.91% above New Jersey avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 0.91% above avgNationally 2.92%
Details

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 25, 2026
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
Certificate - 60 Months
$5,000
3.50% ▲ 0.91% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 0.91% above avgNationally 2.92%
Details

Minimum Deposit $5,000 Combined; Term: 5 Years; Bonus dividend of an additional 0.10% on certificates of 2 years or more with a balance of $50,000 or more; Penalty for early withdrawal

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 25, 2026
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
60 Month Certificate Accounts & IRAs
$0
3.50% ▲ 0.91% above New Jersey avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 0.91% above avgNationally 2.92%
Details

Balance: $100,000 and over

Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 25, 2026
Altra Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Certificate - 60-month
$0
3.50% ▲ 0.91% above New Jersey avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 0.91% above avgNationally 2.92%
Details

Rates effective October 1, 2026; subject to change; Penalty: 180 days of dividends for terms over 12 months

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
United Poles Federal Credit Union
Institution Rating:
D3.4 ★Texas Ratio: 32.86%
Certificate - 5 Years
$0
3.45% ▲ 0.86% above New Jersey avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Jersey Average2.59%▲ 0.86% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 9 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
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.

Top CD Rates from Ramsey, New Jersey Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
TrustCo Bank
6 Month CD
A+ 5.0 ★ TX: 4.14%
Min: $0
4.40%
TD Bank
24 Month TD Choice CD
A+ 5.0 ★ TX: 3.71%
Min: $250
4.30%
M&T Bank
18 MONTH SELECT Certificate of Deposit
A+ 5.0 ★ TX: 4.11%
Min: $1,000
3.85%
ValleyDirect
3-Month Certificate of Deposit
A+ 5.0 ★ TX: 5.76%
Min: $500
3.55%
Popular Direct
60 Month CD
A+ 5.0 ★ TX: 2.12%
Min: $0
5.00%
CU Top 5 Credit Union Rates
First Atlantic Federal Credit Union
CD - Grand Opening 6-Month Promo
A+ 5.0 ★ TX: 3.26%
Min: $500
4.50%
USALLIANCE
12 Month Certificate
A 5.0 ★ TX: 8.11%
Min: $0
4.50%
Healthcare Employees Federal Credit Union
Share Certificate - 12 Month
A+ 5.0 ★ TX: 2.73%
Min: $1,000
4.47%
Proponent Federal Credit Union
24 Month Certificate
A 5.0 ★ TX: 6.30%
Min: $0
4.40%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Ramsey, NJ CD Rate Trends

Compare local Ramsey, 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.

View Full New Jersey CD Trends
12-Month CD NJ Avg
2.942%
▲ 0.025 vs 7 days ago

New Jersey 12-month CD rates rose 0.025 points over the past 7 days to 2.942% APY.

6-Month CD NJ Avg
2.723%
▲ 0.051 vs 7 days ago

New Jersey 6-month CD rates rose 0.051 points over the past 7 days to 2.723% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

NJ CD Rate Forecast, Next 12 Months

Where are New Jersey CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

NJ 12-Month Avg APY
2.942%
6-Month Forecast
2.942%
Range: 2.74%, 3.09%
12-Month Forecast
3.192%
Range: 2.99%, 3.34%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the New Jersey average 12-month CD APY in our database.

Spread model: The New Jersey 12-month CD average currently trades 1.43% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 2.115% $105.73 $211.45 $528.63 $1,057.25
6-Month CD 2.723% $136.14 $272.27 $680.68 $1,361.35
12-Month CD 2.942% $147.10 $294.19 $735.48 $1,470.95
18-Month CD 2.712% $135.59 $271.18 $677.95 $1,355.90
24-Month CD 2.731% $136.56 $273.12 $682.80 $1,365.60
36-Month CD 2.424% $121.19 $242.37 $605.93 $1,211.85
48-Month CD 2.426% $121.32 $242.63 $606.58 $1,213.15
60-Month CD 2.587% $129.34 $258.67 $646.68 $1,293.35
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
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Sample CD Ladder for Ramsey, 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.

Build Your Ladder
Rung Term Deposit NJ Avg APY Annual Earnings
1 3-Month CD $5,000 2.115% $105.73
2 6-Month CD $5,000 2.723% $136.14
3 12-Month CD $5,000 2.942% $147.10
4 24-Month CD $5,000 2.731% $136.56
5 36-Month CD $5,000 2.424% $121.19
Total ($25,000 invested) $25,000 2.587% blended $646.72/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.

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1,363
CD Rates
Tracked in Ramsey, New Jersey
54 Banks 64 Credit Unions

About Our Ramsey, New Jersey CD Rate Database

MonitorBankRates tracks 1,363 CD rates from 54 banks and 64 credit unions with locations in Ramsey, 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 to 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: TrustCo Bank offers a CD at 4.40% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Ramsey, New Jersey.

How to Find the Best CD Rates in Ramsey, New Jersey

What to compare when shopping for a CD in Ramsey, New Jersey

To find the best APYs in Ramsey, New Jersey, start with credit unions and online-only banks: Ramsey, New Jersey has 64 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 Ramsey, 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 Ramsey, New Jersey: 118 institutions here report CD rates

Consider an Alternative If…

Ramsey, New Jersey Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
15.3%
National avg: 17.3%
Median Individual Earnings
$92,124
National avg: $47,340
Poverty Rate
4.3%
National avg: 11.1%
Unemployment Rate
3.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$271/yr
At NJ 12-mo avg 2.942% APY

15.3% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.2% reflects a strong local economy. At today’s NJ 12-month CD average of 2.942%, saving 10% of the local median salary ($9,212/year) and putting it in a CD would earn an additional $271 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 Ramsey, 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 to 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 Ramsey, 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 Ramsey, 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 Ramsey, New Jersey as everywhere in the U.S.

Choosing a CD Term in Ramsey, 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 Ramsey, New Jersey savers easier access to their funds. For example, TrustCo Bank is offering its 6 Month CD at 4.40% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, TD Bank is offering its 5 Year TD Choice CD at 2.00% 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 Ramsey, 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 Ramsey, 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 Ramsey, 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 Ramsey, 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 Ramsey, New Jersey

Most CDs carry a fixed rate that is locked for the entire term, protecting a Ramsey, 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 Ramsey, New Jersey

Are CD rates in Ramsey, New Jersey FDIC insured?

Yes, most established banks in Ramsey, 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 Ramsey, 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 Ramsey, 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 Ramsey, 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 Ramsey, New Jersey?

Here are recent top rates found for this area:
  • TrustCo Bank: 4.40% APY (6 Month CD)
  • TD Bank: 4.30% APY (24 Month TD Choice CD)
  • M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
  • ValleyDirect: 3.55% APY (3-Month Certificate of Deposit)
  • Popular Direct: 5.00% APY (60 Month CD)
  • Atlantic Community Bankers Bank: 4.90% APY (2 Year CD)
  • HSBC Bank USA: 4.60% APY (New Money CD - 24 Month)
  • Somerset Savings Bank: 4.60% APY (18 Month Variable IRA)
  • First Atlantic Federal Credit Union: 4.50% APY (CD - Grand Opening 6-Month Promo)
  • USALLIANCE: 4.50% APY (12 Month Certificate)
Rates reflect recent verified offers available in Ramsey, New Jersey. Last Updated: October 23, 2026

Ramsey, 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 Ramsey, 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 to 180 days of interest. Estimates are for informational purposes only.

Top Ramsey, New Jersey CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Ramsey, New Jersey. Averages shown use the New Jersey state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Ramsey, New Jersey

Ramsey, New Jersey CD Calculator

At today’s NJ top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.

Ramsey, New Jersey CD Ladder

NJ CD rates currently range from 2.115% (3-month) to 2.424% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Ramsey, New Jersey CD at 4.40% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

New Jersey’s average 12-month CD is 2.942% 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 Ramsey, 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 Ramsey, 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 Ramsey, 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: October 23, 2026

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