New Jersey Savings Rate Trends
Track current and weekly average savings account APYs across all products in New Jersey, view interactive rate trend charts, and compare NJ APYs against the national average.
Current New Jersey Savings Rate Trends
High-Yield Savings APYs in New Jersey held steady this week at an average of 0.677%. NJ APYs are unchanged from the prior week, reflecting a period of stability in local deposit conditions.
At 0.677%, New Jersey's High-Yield Savings APY sits -0.965 below the current national average of 1.642%. Savers in NJ may find better yields by comparing online offerings or considering national institutions.
The Standard Savings APY in New Jersey currently averages 0.491%, compared to 0.105% last week. Savers weighing account type should note that standard savings APYs are typically lower than high-yield offerings but may come with fewer balance requirements or restrictions.
The New Jersey savings account rate averages displayed on this page are calculated from our database of over 8,500 banks and credit unions actively operating across the state of New Jersey. Our proprietary systems collect and verify deposit rates daily — tracking what real licensed institutions are actually offering to depositors. Every day we aggregate those individual data points into state-level averages that represent a true, real-market picture of what NJ residents are being offered today.
Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated savings account rate database spanning community banks, regional lenders, national institutions, and credit unions across New Jersey. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like in NJ.
Data reflects average APYs offered by licensed institutions operating in NJ. Last Updated: March 29, 2026
New Jersey Savings Rate Trends
Weekly average APYs across all savings products. Hover over the chart to see exact APYs for each week.
As of Mar 29, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering New Jersey financial markets, personal finance professionals advising clients on deposit strategy, and academic researchers studying regional banking patterns are welcome to cite and reference this data. All historical NJ savings rate data is free to use for editorial, research, and educational purposes.
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