Barnegat, New Jersey Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Barnegat, New Jersey savings account rates range from 1.01% to 7.00% APY, verified by MonitorBankRates as of October 14, 2026. The best savings rates for Barnegat, New Jersey and the surrounding area include Edifi Federal Credit UnionEdifi Federal Credit UnionA+5.0 ★Texas Ratio: 3.73%Real return: +4.20%APY minus 2.8% CPI (February 2026) GrowWise Savings at 7.00% APY, Apple Bank for SavingsApple Bank for SavingsA+5.0 ★Texas Ratio: 4.67%Real return: +2.20%APY minus 2.8% CPI (February 2026) Apple Bank SmartStart Savings Account at 5.00% APY, Kinecta Federal Credit UnionKinecta Federal Credit UnionA+5.0 ★Texas Ratio: 3.82%Real return: +2.20%APY minus 2.8% CPI (February 2026) High Yield Savings at 5.00% APY, OpenbankOpenbankA5.0 ★Texas Ratio: 8.00%Real return: +1.35%APY minus 2.8% CPI (February 2026) High Yield Savings Boost at 4.15% APY, and Monroe Savings BankMonroe Savings BankA+5.0 ★Texas Ratio: 2.84%Real return: +1.20%APY minus 2.8% CPI (February 2026) Advantage Savings at 4.00% APY.
Barnegat is a smaller community with no bank or credit union branches currently in our database. 75 institutions serving the New Jersey area are available to Barnegat residents, with savings rates as high as 7.00% APY from Edifi Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Barnegat, New Jersey and the surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Savings Rates in Barnegat, New Jersey & Surrounding Communities
Balance: $0 - $1,000.00
Balance: $1.01 - $10,000
Balance: $0 - $499.99; Deposit or withdraw as needed. No monthly service fee
Boosted APY = 3.80% standard variable APY + 0.35% 6-month APY Boost for new customers; boost expires after 6 months and reverts to standard variable APY; open by 11/03/26; limited-time offer, new Openbank customers only
On balances up to $5,000, 0.50% on balances above.
Balance: $1-$49,999.99; New Money Only
Promotional APY for first 180 days on balances greater than or equal to $10,000; balances at or below $9,999.99 earn the non-promotional rate; new personal savings clients only; Personal accounts only
- Oct 14, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
New members only; 4% APY on first $10,000 for one year; $500 minimum deposit to open
FDIC insured; Setup auto-savings
Standard variable APY; variable-rate account, subject to change at Openbank's discretion without notice; Personal accounts only
- Oct 6, 20263.80%▼ from 4.15%
- Sep 27, 20264.15%first recorded
Balance: On balances up to $15,000
Balance: the first $15,000 on deposit in the account (average balance)
- Oct 14, 20263.75%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Balance: $100,000 - $499.999.99; Interest Compounded Daily | Posted Monthly
Balance: $1 - $49,999
No minimum balance; Refer-a-friend promotion adds 1.00% APY for 3 months; Maximum balance limits apply
- Sep 18, 20263.50%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Balance: $0 - $99,999.99
Balance: $0 - $99,999.99
Balance: $1-$100,000; Exclusive to New Jersey residents; Online Only
Qualifications Required; Qualifying balance up to $250,000
- Oct 12, 20263.25%▲ from 0.05%
- Sep 25, 20260.05%first recorded
Balance: $10,000 or more; APY for balances $10,000 and greater; Maximum deposit amount $1,000,000; Limit one High Yield Savings Account per member; $10,000 minimum opening deposit; $10 monthly service fee waived if daily balance is $10,000 or more; three withdrawals per monthly statement cycle, $25 fee for each additional withdrawal
- Sep 18, 20263.20%▲ from 3.10%
- Sep 14, 20263.10%first recorded
- Oct 4, 20263.20%▲ from 3.14%
- Sep 14, 20263.14%first recorded
Balance: $0 - $2,499.99; Blended APY; $100 minimum daily balance to avoid $10 monthly maintenance fee
Balance: $5,000.01 to $10,000.00; Average Daily Balance; Split-rate tiered account
Balance: $1.00+ (standard rate; preferred Simple Banking Program rate up to 3.55% APY)
Balance: $1 - $49,999; OPEN ONLINE
Balance: $500,000 and over
Balance: $50,000 and up
INTEREST COMPOUNDED / CREDITED: Monthly/Monthly
Balance: $500 - $49,999; Deposit or withdraw as needed. No monthly service fee
Balance: $50,000 - $99,999.99; Interest Compounded Daily | Posted Monthly
Balance: $250,000 - $499,999.99
Balance: $500,000.01 and over; $10,000.00 Minimum to open and minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00
Balance: $50,000 - $99,999; Deposit or withdraw as needed. No monthly service fee
Balance: $0 - $10,000
Balance: $25,000 - $49,999.99; Interest Compounded Daily | Posted Monthly
Balance: From $250,000.00 and up
Share Rates
Balance: $250,000.01 - $500,000.00; $10,000.00 Minimum to open and minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00
INTEREST COMPOUNDED / CREDITED: Monthly/Monthly
Balance: $25,000.00 - $49,999.99
Balance: $25,000.00 - $49,999.99
Balance: $100,000 or more
- Oct 12, 20262.50%▲ from 0.05%
- Sep 25, 20260.05%first recorded
Balance: $100,000 - $249,999.99
Balance: From $150,000 to $249,999.00
Balance: $100,000.00 - $250,000.00; $10,000.00 Minimum to open and minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00
Balance: $1,000,000 - $5,000,000; Interest Compounded / Credited: Monthly/Monthly
Balance: $10,000 - $24,999.99; Interest Compounded Daily | Posted Monthly
Share/IRA Accounts; APY as high as
- Oct 5, 20262.02%▲ from 1.87%
- Sep 29, 20261.87%first recorded
Balance: $10,000.01 to $25,000; Average Daily Balance; Split-rate tiered account
Balance: From $50,000 to $149,999.00
Balance: $250,000 and over; Tier Three
Balance: $10,000.00 - $99,999.99; $10,000.00 Minimum to open and minimum $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00
Balance: $500,000 - $999,999; Interest Compounded / Credited: Monthly/Monthly
Balance: First $500
Balance: $25,000.01 - $50,000.00
Balance: $100,000.00 - Over
Balance: Over $20,000.00
Special Savings Club for Long-Term Saving
Balance: $50,000.00-$249,999.99; Tier Two
Balance: $100,000 - $249,999
Balance: $100,000 - $499,999; Interest Compounded / Credited: Monthly/Monthly
Balance: $10,000 - $24,999.99
Balance: $10,000 - $49,999.99
Balance: $0.01-$49,999.99; Tier One
Balance: $10,000 - $49,999
Balance: $1 - $49,999
- Sep 24, 20261.25%▼ from 3.55%
- Sep 14, 20263.55%first recorded
Balance: $0 - $99,999; Interest Compounded / Credited: Monthly/Monthly
Balance: $10,000 and up; Payment of Interest: Quarterly/Monthly
Balance: $10,000.00 - $99,999.99
Balance: $1 - $9,999.99; Interest Compounded Daily | Posted Monthly
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Barnegat, NJ Savings Rate Trends
Compare local Barnegat, NJ savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
New Jersey high-yield savings rates fell 0.044 points over the past 7 days to 2.345% APY, down from 2.389%.
New Jersey standard savings rates fell 0.002 points over the past 7 days to 0.743% APY, down from 0.745%.
Barnegat, New Jersey Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current NJ high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current NJ high-yield savings average of 2.345% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Barnegat, New Jersey.
Savings Account Earnings in Barnegat, New Jersey
Annual interest earnings at current NJ average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.345% APY) | Monthly Earnings | Standard Savings (0.743% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $117.27 / year | $9.77 | $37.14 / year | $3.10 |
| $10,000 | $234.54 / year | $19.54 | $74.29 / year | $6.19 |
| $25,000 | $586.35 / year | $48.86 | $185.73 / year | $15.48 |
| $50,000 | $1,172.70 / year | $97.73 | $371.45 / year | $30.95 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Barnegat, New Jersey savings rate averages as of October 14, 2026. | ||||
About Our Barnegat, New Jersey Savings Rate Database
MonitorBankRates tracks savings rate offers from 33 banks and credit unions available to Barnegat, New Jersey residents via statewide and national offers. No branch locations physically in Barnegat are currently in our database, but all listed offers are open to Barnegat depositors. 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: Edifi Federal Credit Union offers a savings account at 7.00% APY. Use the rate table above to compare all current offers in Barnegat, New Jersey.
How to Find the Best Savings Rates in Barnegat, New Jersey
What to compare when shopping for a savings account in Barnegat, New Jersey
To find the best savings APYs in Barnegat, New Jersey, start with credit unions and online-only banks: Barnegat, New Jersey has 18 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current NJ high-yield savings average is 2.345% but top local institutions are offering as high as 7.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Barnegat, New Jersey high-yield savings rates currently average 2.345% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Barnegat, New Jersey institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 33 institutions in Barnegat, New Jersey report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Barnegat, New Jersey CD rates
- You want check-writing flexibility Barnegat, New Jersey money market rates
- You need daily transaction access Barnegat, New Jersey checking rates
Barnegat, New Jersey Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
17.6% of residents are 65 or older, in line with the national average of 17.3%. At today’s NJ high-yield savings average of 2.345%, saving 10% of the local median salary ($5,105/year) would earn an additional $120 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Barnegat, New Jersey Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Barnegat, New Jersey.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current NJ Avg APY | 2.345% | 0.743% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Barnegat, New Jersey averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Barnegat, New Jersey
At NJ’s top rate of 7.00% from Edifi Federal Credit Union, a $10,000 deposit earns $700 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Barnegat, New Jersey earner is roughly $12,800. At 2.345% APY, saving $1,060/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsNew Jersey’s high-yield savings average is 2.345% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Barnegat, New Jersey earner makes $51,053/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.345% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.345% APY grows to roughly $39,747 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Barnegat, New Jersey savings 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 Savings Rate Data: We aggregate savings account rates for Barnegat, 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. Every savings rate displayed 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 Barnegat, New Jersey. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in NJ.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Barnegat, New Jersey
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Barnegat, New Jersey safe?
How often do savings rates change in Barnegat, New Jersey?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Barnegat, New Jersey?
How do I open a savings account in Barnegat, New Jersey?
Best Savings Rates in Barnegat, New Jersey
- Edifi Federal Credit Union
GrowWise Savings: 7.00% APY - Apple Bank for Savings
Apple Bank SmartStart Savings Account: 5.00% APY - Kinecta Federal Credit Union
High Yield Savings: 5.00% APY - Openbank
High Yield Savings Boost: 4.15% APY - Monroe Savings Bank
Advantage Savings: 4.00% APY
Barnegat, New Jersey Rates & Resources
