Stewartsville, New Jersey Savings Rates for October 2026
Brian McKay
Brian McKay
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Stewartsville, New Jersey savings account rates range from 1.95% to 7.00% APY, verified by MonitorBankRates as of October 31, 2026. The best savings rates for Stewartsville, New Jersey and the surrounding area include Edifi Federal Credit UnionEdifi Federal Credit UnionA+5.0 ★Texas Ratio: 3.73%Real return: +3.30%APY minus 3.7% CPIRate verified Oct 29, 2026 GrowWise Savings at 7.00% APY, Apple Bank for SavingsApple Bank for SavingsA+5.0 ★Texas Ratio: 4.67%Real return: +1.30%APY minus 3.7% CPIRate verified Oct 27, 2026 Apple Bank SmartStart Savings Account at 5.00% APY, FourLeaf Federal Credit UnionFourLeaf Federal Credit UnionB+4.8 ★Texas Ratio: 17.52%Real return: +1.30%APY minus 3.7% CPIRate verified Oct 31, 2026 Student Savings at 5.00% APY, Andrews Federal Credit UnionAndrews Federal Credit UnionA5.0 ★Texas Ratio: 10.28%Real return: +1.30%APY minus 3.7% CPIRate verified Oct 31, 2026 Mission Savings Account at 5.00% APY, and Kinecta Federal Credit UnionKinecta Federal Credit UnionA+5.0 ★Texas Ratio: 3.82%Real return: +1.30%APY minus 3.7% CPIRate verified Oct 28, 2026 High Yield Savings at 5.00% APY.
Stewartsville 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 Stewartsville 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 Stewartsville, New Jersey and the surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Savings Rates in Stewartsville, New Jersey & Surrounding Communities
Balance: $0 - $1,000.00
Youth Savings; Balance: $1.01 - $10,000
Balance: $0.00 - $1,000.00; Variable rate tiered account
Qualifying balance up to $5,000.00; Online Only
Balance: $0 - $499.99; Featured tiered rate as high as 5.00% APY; Deposit or withdraw as needed; No monthly service fee; Dividends accrued daily and paid monthly
Balance: $0 - $499.99
Citigold Private Client Relationship Tier (Combined Average Monthly Balance of $1,000,000+); Balance: All balance ranges
Introductory 6-month APY Boost of 0.35% added to standard variable APY of 4.00%; new customers only; boost expires after 6 months and rate reverts to standard variable APY
Limited Time Offer; $500 - $250,000 range; NEW CUSTOMER ONLY; NEW MONEY REQUIRED; requires $500.00 to open and $500.00 monthly minimum balance to earn promotional APY; $5 monthly fee if balance falls below $500.00; $250,000 maximum funding per account; requires new FreeStyle Checking account (FreeStyle+ Checking excluded) with minimum two qualifying recurring electronic direct deposits of at least $5.00 within 60 days; otherwise earns Statement Savings Account rate; business and government accounts not eligible
12-month introductory promotion for new customers; Introductory Interest Rate is Standard Interest Rate plus 0.67%; Online Only
Available for new and existing customers; Open online or at any branch with $20,000+ in new money (funds not currently on deposit at Columbia Bank)
Balance: $0.01 - $99,999.99
On balances up to $5,000, 0.50% on balances above.
Balance: $1-$49,999.99; New Money Only; Open Online; Get Details
Promotional APY on balances greater than or equal to $10,000 for the first 180 days after account opening; new money required; balances at or below $9,999.99 receive the non-promotional rate; new personal savings clients only; one promotion per household
- Oct 14, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Standard variable APY; variable rate subject to change at any time without notice; personal accounts only
- Oct 19, 20264.00%▲ from 3.80%
- Oct 6, 20263.80%▼ from 4.15%
- Sep 27, 20264.15%first recorded
Balance: Up to $5,000; For new members ages 17 and under only. APY earned on balances up to $5,000. The balance amount over $5,000 will earn the current Youth Savings APY.
FDIC insured; Setup auto-savings
Branch Only; Balance: $150,000 +; Account must be opened at a branch office; eStatements required; Rates effective as of 9/29/2026
Balance: up to $15,000.00; No monthly maintenance fee
Balance: the first $15,000 on deposit in the account (average balance); Dividend on the first $15k based on the higher rate
Variable rate; adjusts to the midpoint of Fed Funds Target Range minus 0.25% (currently 3.88% - 0.25% = 3.63% APY); Available online only
Homepage promotional card; APY marked with asterisk
Balance: $100,000 - $499.999.99 (as printed); Online & Branch; Interest Compounded Daily | Posted Monthly
Simple Banking Program; Balance: $1 - $49,999
No minimum balance; Maximum balance limits apply; APY as of October 30, 2026
- Sep 18, 20263.50%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Balance: up to $100,000 when linked to a qualifying checking account; Min. Bal:; Fees:
Balance: $0 - $99,999.99; Blended APY
Balance: $1,000,000.00 and above
Balance: $50,000 and over
Balance: $1-$100,000; Exclusive to New Jersey residents; Online Only
California counties only; Balance: $25,000 or more; Rate is variable; requires deposit and maintenance of $25,000 or more in new Platinum Savings within 30 days; new savings customers only
Balance: $250,000.00-$999,999.99
Balance: $1,000,000 & Above; Unity Bank Branch Only; Business accounts only; New money only; Rates effective as of 10/2/2026; eStatements required
Branch Only; Balance: $100,000 - $149,999.99; Account must be opened at a branch office; eStatements required; Rates effective as of 9/29/2026
Balance: $500,000 & Over; Interest crediting: Monthly; Rates as of 3-01-2026
APY is variable and effective 10/30/2026; no fees; no minimum balance required to maintain account; interest accrues daily and compounds monthly
- Oct 31, 20263.20%▲ from 3.10%
- Sep 27, 20263.10%first recorded
Balance: $1 or more; Relationship APY when HSBC Premier relationship requirements are met; Not available to business customers
- Oct 31, 20263.20%▲ from 3.10%
- Oct 14, 20263.10%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 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
A minimum balance of $5,000 is required to open the account and earn the advertised APY. Dividends are compounded daily and credited monthly.
- Oct 4, 20263.20%▲ from 3.14%
- Sep 14, 20263.14%first recorded
Balance: $0.01 - $250,000; Dividends compounded and credited monthly; Balances above $250,000 earn the second-tier rate
Balance: $250,000.00 and over; Tier III; Variable rate account; APY effective as of 9/1/26
Balance: $50,000.00-$249,999.99
Balance: $0 - $2,499.99
Balance: $5,000.01 to $10,000.00; Split-rate tiered account
Open Online; Balance: $1 - $49,999
Balance: $500,000 and over; Requires a daily minimum balance of $10,000
Ages 14 to 17; $1 minimum daily balance requirement; Dividends compounded and credited quarterly
Balance: $2,500.00 - $249,999.99; Tier II; Variable rate account; APY effective as of 9/1/26
Balance: no minimum
Minimum contract amount $1,000; contract amount may increase in multiples of $1,000, $100,000 maximum per customer; interest compounded daily, credited every 3 months; early withdrawal penalty applies; rates effective as of January 23, 2026
Balance: $25,000.00 and higher; Fees: if over $100
Personal Banking Rates
Balance: $250,000 - $499,999.99; Interest crediting: Monthly; Rates as of 3-01-2026
Balance: $1,000 - $99,999.99; Tier 2
Balance: $1,000 - $99,999.99; Offer valid for funds not currently on deposit with First Harvest; qualify by depositing additional $5,000 or more in new money
Balance: $500 - $49,999
Balance: $250,000 - $499,999.99; Requires a daily minimum balance of $10,000
Balance: $50,000 - $99,999
Balance: All Balances
Balance: $0 - $10,000; Earn 2.65% APY on the first $10,000; no minimum balance requirement; no monthly service fees when enrolled in eStatements
Balance: $250,000.00 and up
Share Rates; Annual Percentage Rate 2.50%
Balance: $25,000.00 - $49,999.99
Earn 2.50% APY on balances of $100,000 or more; no minimum balance requirement; no monthly service fees when enrolled in eStatements
Balance: $100,000 - $249,999.99; Requires a daily minimum balance of $10,000
Balance: $150,000.00 - $249,999.00
Balance Requirements: No minimum; APY offer is valid for new money only. Funds used to open this account must be new to First Atlantic Federal Credit Union. Transfers from existing First Atlantic accounts do not qualify. Contact us to inquire about opening this account.
Balance: $1,000,000 and over; Savings & IRA
As High As; Share/IRA Accounts
- Oct 5, 20262.02%▲ from 1.87%
- Sep 29, 20261.87%first recorded
Balance: $10,000.01 to $25,000; Split-rate tiered account
Balance: $50,000.00 - $149,999.00
Balance: First $500
Balance: $500,000 - $999,999; Savings & IRA
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.
Stewartsville, NJ Savings Rate Trends
Compare local Stewartsville, 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 0.065 points over the past 7 days to 2.637% APY, down from 2.702%.
New Jersey standard savings rates rose 0.009 points over the past 7 days to 0.749% APY, up from 0.740%.
Stewartsville, 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 2.637% 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 Stewartsville, New Jersey.
Savings Account Earnings in Stewartsville, 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 (2.637% APY) | Monthly Earnings | Standard Savings (0.749% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $131.87 / year | $10.99 | $37.43 / year | $3.12 |
| $10,000 | $263.74 / year | $21.98 | $74.85 / year | $6.24 |
| $25,000 | $659.35 / year | $54.95 | $187.13 / year | $15.59 |
| $50,000 | $1,318.70 / year | $109.89 | $374.25 / year | $31.19 |
| 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: Stewartsville, New Jersey savings rate averages as of October 31, 2026. | ||||
About Our Stewartsville, New Jersey Savings Rate Database
MonitorBankRates tracks savings rate offers from 47 banks and credit unions available to Stewartsville, New Jersey residents via statewide and national offers. No branch locations physically in Stewartsville are currently in our database, but all listed offers are open to Stewartsville 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 Stewartsville, New Jersey.
How to Find the Best Savings Rates in Stewartsville, New Jersey
What to compare when shopping for a savings account in Stewartsville, New Jersey
To find the best savings APYs in Stewartsville, New Jersey, start with credit unions and online-only banks: Stewartsville, New Jersey has 20 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 2.637% 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. Stewartsville, New Jersey high-yield savings rates currently average 2.637% 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 Stewartsville, New Jersey institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 47 institutions in Stewartsville, 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 Stewartsville, New Jersey CD rates
- You want check-writing flexibility Stewartsville, New Jersey money market rates
- You need daily transaction access Stewartsville, New Jersey checking rates
New Jersey Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau (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 high-yield savings average of 2.637%, saving 10% of the local median salary ($5,517/year) would earn an additional $146 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Stewartsville, New Jersey Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Stewartsville, New Jersey.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current NJ Avg APY | 2.637% | 0.749% | 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 Stewartsville, New Jersey averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Stewartsville, 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 Stewartsville, New Jersey earner is roughly $13,800. At 2.637% APY, saving $1,150/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 2.637% 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 Stewartsville, New Jersey earner makes $55,173/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.637% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.637% APY grows to roughly $42,078 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 Stewartsville, 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 Stewartsville, 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 Stewartsville, 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 Stewartsville, New Jersey
What are savings account rates in Stewartsville, New Jersey today?
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Stewartsville, New Jersey safe?
How often do savings rates change in Stewartsville, 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 Stewartsville, New Jersey?
How do I open a savings account in Stewartsville, New Jersey?
Best Savings Rates in Stewartsville, New Jersey
- Edifi Federal Credit Union
GrowWise Savings: 7.00% APY - Apple Bank for Savings
Apple Bank SmartStart Savings Account: 5.00% APY - FourLeaf Federal Credit Union
Student Savings: 5.00% APY - Andrews Federal Credit Union
Mission Savings Account: 5.00% APY - Kinecta Federal Credit Union
High Yield Savings: 5.00% APY
Stewartsville, New Jersey Rates & Resources
