Teterboro, New Jersey Best CD Rates September 2026
Brian McKay
Brian McKay
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Current Teterboro, New Jersey CD rates include Habib American HAB BankHabib American HAB BankA+5.0 ★Texas Ratio: 5.54%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Certificate at 4.50% APY, USALLIANCEUSALLIANCEA5.0 ★Texas Ratio: 7.14%Real return: +1.56%APY minus CPI (February 2026) offering 12 Month Certificate at 4.36% APY, Marcus BankMarcus BankA+5.0 ★Texas Ratio: 4.32%Real return: +1.55%APY minus CPI (February 2026) offering 18 Month CD at 4.35% APY, URSB United Roosevelt Savings BankURSB United Roosevelt Savings BankA+5.0 ★Texas Ratio: 0.27%Real return: +1.45%APY minus CPI (February 2026) offering 48 Month CD at 4.25% APY, and SOUTHERN MIDDLESEX CO TCHRSSOUTHERN MIDDLESEX CO TCHRSA+5.0 ★Texas Ratio: 0.00%Real return: +1.45%APY minus CPI (February 2026) offering 5 year CD at 4.25% APY. CD rates as of September 16, 2026 according to verified data from MonitorBankRates.
Teterboro is a smaller community with no bank or credit union branches currently in our database. 674 institutions serving the New Jersey area are available to Teterboro residents, with CD rates as high as 4.50% APY from Habib American HAB Bank . Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 16, 2026
Compare Best CD Rates in Teterboro, New Jersey & the Surrounding Area
Teterboro 3 Month CD Rates
A 90-day dividend penalty will be imposed for early withdrawal on Share Certificates. The penalty is calculated as a forfeiture of part of the dividends that have been earned on the account. If the account has not yet earned enough dividends, the penalty will be deducted from the principal. Fees may reduce earnings.
(Fixed Rate)
The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.
Annual Percentage Yield (APY) listed is available as of July 31, 2026.
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 1 month loss of dividends on a 3-month certificate. Rates are subject to change without notice. RFCU membership and proper ID are required to open a certificate.
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Rates and Terms shown are for CDs opened or renewed online only.
Early Withdrawal Penalty: 1 month interest
Tier 4: $250,000 - $999,999.99
Tier 3: $100,000 - $249,999.99
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Tier 2: $50,000 - $99,999.99
Tier 4: $250,000 - $999,999.99
Non-Promotional APY
Tier 3: 100,000 - $249,999.99
Tier 1: $0.01 - $49,999.99
Tier 2: $50,000 - $99,999.99
Tier 1: $0.01 - $49,999.99
$500 - $49,999; See 'Truth In Savings Disclosure' for further details. All rates are subject to change without prior notice.
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Regular APY
Relationship APY 0.06%
Relationship APY 0.06%
Teterboro 6 Month CD Rates
A 90-day dividend penalty will be imposed for early withdrawal on Share Certificates. The penalty is calculated as a forfeiture of part of the dividends that have been earned on the account. If the account has not yet earned enough dividends, the penalty will be deducted from the principal. Fees may reduce earnings.
Early Withdrawal Penalty: 1 month interest
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 8/25/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.
Term: 6 Month Pick Your Term
Keep funds longer in your account, and earn even more. Longer terms Earn Higher Interests
The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.
Online Only
Annual Percentage Yield (APY) listed is available as of July 31, 2026.
(Fixed Rate)
Rates as of September 11, 2026. Annual Percentage Yield (APY) and Annual Percentage Rate (APR) Rates are subject to change without notice. Terms and conditions apply.
New Money Required; Offer subject to change or cancellation at any time without notice.
($10K min NEW money) Interest is Compounded/ Contracted: Monthly/Monthly
Annual Percentage Yield (APY) listed is available as of July 31, 2026.
APYs are effective as of 7/1/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *18-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *24-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Tier 4: $250,000 - $999,999.99
Tier 3: $100,000 - $249,999.99
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Rates and Terms shown are for CDs opened or renewed online only.
Minimum to open a CD is $500.
Tier 2: $50,000 - $99,999.99
Teterboro 12 Month CD Rates
Special Rate
(Fixed Rate)
2
Minimum to open and obtain APY is $1,000 contract amount (Fixed Rate)
IRA Certificate
Early Withdrawal Penalty: 3 month interest
Term: 12 Month Pick Your Term
New Money Required; Offer subject to change or cancellation at any time without notice.
Rates as of September 11, 2026. Annual Percentage Yield (APY) and Annual Percentage Rate (APR) Rates are subject to change without notice. Terms and conditions apply.
over
Over $50,000
APYs are effective as of 2/4/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
APYs are effective as of 7/1/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *18-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *24-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
As low as; APY*
The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.
Online Only
Annual Percentage Yield (APY) listed is available as of July 31, 2026.
Annual Percentage Yield (APY) listed is available as of July 31, 2026.
Tier 4: $250,000 - $999,999.99
Teterboro 18 Month CD Rates
10-Day CD Rate Guarantee
Early Withdrawal Penalty: 3 month interest
Term: 18 Month Pick Your Term
3 New Deposits Only
Legacy Club
Requires a qualifying checking account.
Annual Percentage Yield (APY) listed is available as of July 31, 2026.
Annual Percentage Yield (APY) listed is available as of July 31, 2026.
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 8/25/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for an 18-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.
APYs are effective as of 2/4/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
APYs are effective as of 7/1/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *18-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *24-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
(Fixed Rate)
Balances $50,000+
Balances $50,000
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Balances $1,000 - $49,999.99
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Rates and Terms shown are for CDs opened or renewed online only.
Minimum to open a CD is $500.
No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.
Teterboro 24 Month CD Rates
Term: 24 Month Pick Your Term
Rates as of September 11, 2026. Annual Percentage Yield (APY) and Annual Percentage Rate (APR) Rates are subject to change without notice. Terms and conditions apply.
New Money Required; Offer subject to change or cancellation at any time without notice.
Early Withdrawal Penalty: 3 month interest
IRA Accounts are available as Certificates of Deposits (CDs) with terms from 1 to 60 months.
APYs are effective as of 2/4/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
APYs are effective as of 7/1/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *18-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *24-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Over $50,000
Online Only
Annual Percentage Yield (APY) listed is available as of July 31, 2026.
Annual Percentage Yield (APY) listed is available as of July 31, 2026.
(Fixed Rate)
$50,000 - $89,999; APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 6 months loss of dividends on a 1 year+ month certificate. Rates are subject to change without notice. RFCU membership and proper ID are required to open a certificate.
Minimum to open a CD is $500.
$500 - $49,999; See 'Truth In Savings Disclosure' for further details. All rates are subject to change without prior notice.
Balances $50,000+
Balances $50,000
Teterboro 36 Month CD Rates
Early Withdrawal Penalty: 3 month interest
APYs are effective as of 2/4/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
APYs are effective as of 7/1/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *18-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *24-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Minimum to open a CD is $500.
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
$50,000 - $89,999; APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Annual Percentage Yield (APY) listed is available as of July 31, 2026.
Annual Percentage Yield (APY) listed is available as of July 31, 2026.
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 6 months loss of dividends on a 1 year+ month certificate. Rates are subject to change without notice. RFCU membership and proper ID are required to open a certificate.
$500 - $49,999; See 'Truth In Savings Disclosure' for further details. All rates are subject to change without prior notice.
Balances $50,000+
Balances $50,000
Balances $1,000 - $49,999.99
Teterboro 48 Month CD Rates
APYs are effective as of 2/4/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
APYs are effective as of 7/1/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *18-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *24-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
$50,000 - $89,999; APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Annual Percentage Yield (APY) listed is available as of July 31, 2026.
Annual Percentage Yield (APY) listed is available as of July 31, 2026.
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 6 months loss of dividends on a 1 year+ month certificate. Rates are subject to change without notice. RFCU membership and proper ID are required to open a certificate.
$500 - $49,999; See 'Truth In Savings Disclosure' for further details. All rates are subject to change without prior notice.
Balances $50,000+
Balances $50,000
Balances $1,000 - $49,999.99
Regular APY
Regular APY
IRA Accounts are available as Certificates of Deposits (CDs) with terms from 1 to 60 months.
Tier 4: $250,000 - $999,999.99
Teterboro 60 Month CD Rates
Early Withdrawal Penalty: 6 month interest
APYs are effective as of 2/4/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
APYs are effective as of 7/1/26 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *18-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *24-Month Share Certificate APYs are effective as of 7/1/26. Rates are for comparison only. Actual rates may vary and are subject to change without notice. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account). *Early withdrawal penalties apply. See the certificate disclosure . To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
$100,000; Rates are accurate as of 8/7/2026 and are subject to change without notice.
$90,000; Early withdrawal penalties may apply. All rates are subject to change without prior notice.
$50,000 - $74,999.99
$25,000 - $49,999.99
$50,000 - $89,999; APY - Annual Percentage Yield; Minimum to earn disclosed APY - $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Annual Percentage Yield (APY) listed is available as of July 31, 2026.
Annual Percentage Yield (APY) listed is available as of July 31, 2026.
Dividends are paid monthly. A penalty will be imposed for early withdrawal. 6 months loss of dividends on a 1 year+ month certificate. Rates are subject to change without notice. RFCU membership and proper ID are required to open a certificate.
$500 -$24,999.99; Rates are accurate as of 8/7/2026 and are subject to change without notice.
$500 - $49,999; See 'Truth In Savings Disclosure' for further details. All rates are subject to change without prior notice.
Balances $50,000+
Balances $50,000
Regular APY
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Teterboro, NJ CD Rate Trends
Compare local Teterboro, NJ CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
New Jersey 12-month CD rates rose 0.081 points over the past 7 days to 2.921% APY.
New Jersey 6-month CD rates rose 0.076 points over the past 7 days to 2.746% APY.
NJ CD Rate Forecast, Next 12 Months
Where are New Jersey CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.043% | $102.14 | $204.28 | $510.70 | $1,021.40 |
| 6-Month CD | 2.746% | $137.27 | $274.55 | $686.37 | $1,372.75 |
| 12-Month CD | 2.921% | $146.06 | $292.11 | $730.28 | $1,460.55 |
| 18-Month CD | 2.824% | $141.19 | $282.38 | $705.95 | $1,411.90 |
| 24-Month CD | 2.843% | $142.16 | $284.32 | $710.80 | $1,421.60 |
| 36-Month CD | 2.765% | $138.26 | $276.52 | $691.30 | $1,382.60 |
| 48-Month CD | 2.778% | $138.91 | $277.82 | $694.55 | $1,389.10 |
| 60-Month CD | 2.858% | $142.91 | $285.81 | $714.53 | $1,429.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 16, 2026. | |||||
Sample CD Ladder for Teterboro, New Jersey Savers
$25,000 split equally across 5 terms using today’s New Jersey average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NJ Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.043% | $102.14 |
| 2 | 6-Month CD | $5,000 | 2.746% | $137.27 |
| 3 | 12-Month CD | $5,000 | 2.921% | $146.06 |
| 4 | 24-Month CD | $5,000 | 2.843% | $142.16 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.26 |
| Total ($25,000 invested) | $25,000 | 2.664% blended | $665.89/yr | |
Ladder example uses equal $5,000 rungs and New Jersey average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in Teterboro, New Jersey
About Our Teterboro, New Jersey CD Rate Database
MonitorBankRates tracks 677 CD rates from 31 banks and 43 credit unions with locations in Teterboro, New Jersey, plus national online institutions available to New Jersey residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Habib American HAB Bank offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Teterboro, New Jersey.
How to Find the Best CD Rates in Teterboro, New Jersey
What to compare when shopping for a CD in Teterboro, New Jersey
To find the best APYs in Teterboro, New Jersey, start with credit unions and online-only banks: Teterboro, New Jersey has 43 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Teterboro, 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 Teterboro, New Jersey: 74 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Teterboro, New Jersey savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Teterboro, New Jersey money market rates
New Jersey Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
17.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s NJ 12-month CD average of 2.921%, saving 10% of the local median salary ($5,517/year) and putting it in a CD would earn an additional $161 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 Teterboro, New Jersey
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Teterboro, 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 Teterboro, 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 Teterboro, New Jersey as everywhere in the U.S.
Choosing a CD Term in Teterboro, 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 Teterboro, New Jersey savers easier access to their funds. For example, Habib American HAB Bank is offering its 6 Month Certificate at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Marcus Bank is offering its 5 years High-Yield CD at 4.35% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Teterboro, 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 Teterboro, 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 Teterboro, 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 Teterboro, 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 Teterboro, New Jersey
Most CDs carry a fixed rate that is locked for the entire term, protecting a Teterboro, 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 Teterboro, New Jersey
Are CD rates in Teterboro, New Jersey FDIC insured?
Do I have to pay state taxes on CD interest in Teterboro, New Jersey?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Teterboro, New Jersey?
- Habib American HAB Bank : 4.50% APY (12 Month Certificate)
- USALLIANCE: 4.36% APY (12 Month Certificate)
- Marcus Bank: 4.35% APY (18 Month CD)
- URSB United Roosevelt Savings Bank: 4.25% APY (48 Month CD)
- SOUTHERN MIDDLESEX CO TCHRS: 4.25% APY (5 year CD)
- New Millennium Bank: 4.15% APY (Certificates of Deposit - 12 Month Certificate)
- New Jersey Law And Public Safety Credit Union: 4.11% APY (24 Month CD)
- Self Reliance NY Federal Credit Union: 4.08% APY (18 Month Certificate)
- Community Financial Services FCU: 4.07% APY (Share Certificate - 6 Month)
- Healthcare Employees Federal Credit Union: 4.06% APY (12 Month Share Certificate)
Teterboro, 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 Teterboro, New Jersey rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Teterboro, New Jersey
At today’s NJ top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Teterboro, New Jersey CD LadderNJ CD rates currently range from 2.043% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Teterboro, New Jersey CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew Jersey’s average 12-month CD is 2.921% 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 Teterboro, 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 Teterboro, 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 Teterboro, 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.
Teterboro, New Jersey Rates & Resources
