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New Jersey Savings Rate Trends

Norma, New Jersey (NJ) Savings Rates - April 2026

The best savings rates for Norma, New Jersey and the surrounding area include Apple Bank for SavingsApple Bank for SavingsA+5.0 ★Texas Ratio: 1.54% Apple Bank SmartStart Savings Account at 5.00% APY, Kinecta Federal Credit UnionKinecta Federal Credit UnionA+5.0 ★Texas Ratio: 4.14% High Yield Savings (Personal) at 5.00% APY, FourLeaf Federal Credit UnionFourLeaf Federal Credit UnionA-4.9 ★Texas Ratio: 15.85% Student Savings at 5.00% APY, Andrews Federal Credit UnionAndrews Federal Credit UnionA5.0 ★Texas Ratio: 11.92% Online Savings Account at 5.00% APY, and Ukrainian Selfreliance Federal Credit UnionUkrainian Selfreliance Federal Credit UnionA+5.0 ★Texas Ratio: 1.47% IRA Savings at 4.08% APY.

Norma is a smaller community with no bank or credit union branches currently in our database. 60 institutions serving the New Jersey area are available to Norma residents, with savings rates as high as 5.00% APY from Apple Bank for Savings. Rates are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Norma, New Jersey and the surrounding area. Last Updated and Verified: April 5, 2026

Compare the Best Savings Rates in Norma, New Jersey & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Apple Bank SmartStart Savings Account
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $10,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
SmartStart Banking & Savings
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $10,000.00

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
High Yield Savings (Personal)
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
High Yield Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $499.99

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
Student Savings
5.00%
$0
Rate4.91%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Balances $0.00 - $1,000.00

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Online Savings Account
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $1,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
SmartStart Savings for Youth
5.00%
$1
Rate4.88%
Min Deposit$1
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $10,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
SmartStart Savings for Young Adults
5.00%
$1
Rate4.88%
Min Deposit$1
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $10,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
SmartStart Savings & Banking
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $10,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
SmartStart Savings for Teens
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $10,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
SmartStart Savings
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $10,000

Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
IRA Savings
4.08%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
Healthy Savings
4.07%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.52%
Greater Alliance Promotional Savings Account
4.00%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedApr 4, 2026
Details

on your first $10,000 for one year!

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Head Start Youth Savings
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $5,000.00

Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Advantage Savings
4.00%
$0
Rate3.92%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $5,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
My Reserve Savings Account
4.00%
$0
Rate3.92%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

New Money Only

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Savings Account
4.00%
$0
Rate3.92%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
BLUE AXIS FUSION® SAVINGS
3.85%
$5
Rate3.78%
Min Deposit$5
Min Balance
UpdatedApr 3, 2026
Details

Qualifications Required: direct deposits totaling $1,000 or more monthly; 10 (ten) or more Point-of-Sale (POS) Debit Card transactions monthly; Must open a new or have an existing Blue Axis Edge® Checking ; Must maintain direct deposits totaling $1,000 or more monthly; Must complete 10 (ten) or more Point-of-Sale (POS) Debit Card transactions monthly; Avoid a $2 monthly statement fee by enrolling in eBanking and selecting eStatements

Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Blue Axis Fusion®Savings
3.85%
$5
Rate3.78%
Min Deposit$5
Min Balance
UpdatedApr 3, 2026
Details

Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Blue Axis Edge®Savings
3.80%
$5
Rate3.73%
Min Deposit$5
Min Balance
UpdatedApr 3, 2026
Details

Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
BLUE AXIS EDGE ® SAVINGS
3.80%
$5
Rate3.73%
Min Deposit$5
Min Balance
UpdatedApr 3, 2026
Details

Earn $3005 when you deposit $15,000 or more in new money while earning a highly competitive blended rate.; Unlimited ATM cash withdrawal fee reimbursements worldwide2; No monthly maintenance fees; Early Pay available; Avoid a $2 monthly statement fee by enrolling in eBanking and selecting eStatements

Pinnacle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
Accelerate Savings
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Accelerate Savings
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Earns 3.75% APY2 on balances up to $15,000

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
New Year Flexible Savings Account
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Terms and Conditions apply.

Blue Foundry Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
IRA Tiered Savings
3.70%
$5
Rate3.63%
Min Deposit$5
Min Balance
UpdatedApr 3, 2026
Details

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Statement Savings
3.56%
$250
Rate3.50%
Min Deposit$250
Min Balance
UpdatedApr 3, 2026
Details

Interest Compounded Daily | Posted Monthly

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Simple Savings Account Preferred Rate
3.55%
$0
Rate3.48%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Simple Banking Program

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Apple Bank Core Savings Account
3.55%
$0
Rate3.48%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Online High Yield Savings Account
3.51%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
eSavings
3.50%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 29, 2026
Details

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
High Yield Savings
3.50%
$100
Rate3.44%
Min Deposit$100
Min Balance
UpdatedApr 3, 2026
Details

Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
Max Saver Savings
3.50%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 2, 2026
Details

Qualifications Required; Qualifying balance up to $100,000.00

The Atlantic Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.74%
Ultra Savings
3.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Customers Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Yield Shield Savings Account
3.48%
$25,000
Rate0.00%
Min Deposit$25,000
Min Balance
UpdatedMar 25, 2026
Details

This rate will adjust to always be the midpoint of Fed Funds Target Range minus 0.15% which is currently 3.63% - 0.15% for an APY* of 3.48%. Applicable for consumers only. Fees could reduce earnings on the account. Offer may be withdrawn at any time. Debit card and checks are not available on this account. Available online only.

Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
I Connect/E Connect Tiered Savings
3.40%
$0
Rate3.34%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
High Dividend Savings
3.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Affinity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
Performance Savings
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifications Required; Qualifying balance up to $250,000

Affinity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
Savings
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

As High As

Entertainment Industries Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Savings
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

As High As

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
High Yield Savings Account
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
WooriWON Savings
3.25%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 29, 2026
Details

$5 monthly maintenance fee waived when average daily balance requirement is met; Optional internet banking access at no additional cost; Manage your savings effortlessly from your smartphone or computer, with 24/7 online access; Move funds smoothly between accounts and automate your savings goals for effortless financial growth; Online Only

Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
I Connect/E Connect Tiered Savings
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
PNC High Yield Savings®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
High Yield Savings
3.20%
$0
Rate3.15%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
High Yield Savings
3.14%
$0
Rate3.10%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
High Yield Savings
3.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
High-Yield Savings2
3.10%
$0
Rate3.06%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
Healthy Savings
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
Wellness Savings
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
Ultra Purple Savings
3.03%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
Youth Savings
3.03%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
420 Business Purple Savings
3.03%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
Non-Profit Purple Savings
3.03%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
Municipal Purple Savings
3.03%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.26%
Business Purple Savings
3.03%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
SafeGuard Savings, Consumer
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
SafeGuard Savings, Municipal
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Business Savings
3.00%
$0
Rate2.97%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

$1,000 - $99,999.99

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Primary Savings
3.00%
$0
Rate2.97%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

$1,000 - $99,999.99

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.

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.

Norma, NJ Savings Rate Trends

Compare local Norma, 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.

View Full New Jersey Savings Trends →
High-Yield Savings — NJ Avg
1.601%
▲ 0.287 vs 7 days ago

New Jersey high-yield savings rates rose 0.287 points over the past 7 days to 1.601% APY, up from 1.314%.

Standard Savings — NJ Avg
0.831%
▲ 0.340 vs 7 days ago

New Jersey standard savings rates rose 0.340 points over the past 7 days to 0.831% APY, up from 0.491%.

As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Norma, 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 Norma, 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 Norma, New Jersey

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in New Jersey, help your money grow faster through a higher APY.

Are savings accounts in Norma, New Jersey safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in New Jersey up to $250,000 per depositor, per institution.

How often do savings rates change in Norma, New Jersey?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local New Jersey rate tables daily to ensure you see the most current high-yield options.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Norma, New Jersey may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Norma, New Jersey?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Norma, New Jersey offer in-person customer service, which some customers prefer.

How do I open a savings account in Norma, New Jersey?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Norma, New Jersey

Here are recent savings rates observed in Norma, New Jersey and the surrounding area:
  • Apple Bank for Savings
    Apple Bank SmartStart Savings Account — 5.00% APY
  • Kinecta Federal Credit Union
    High Yield Savings (Personal) — 5.00% APY
  • FourLeaf Federal Credit Union
    Student Savings — 5.00% APY
  • Andrews Federal Credit Union
    Online Savings Account — 5.00% APY
  • Ukrainian Selfreliance Federal Credit Union
    IRA Savings — 4.08% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Norma, New Jersey. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 5, 2026