Union City, New Jersey (NJ) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Union City, New Jersey and the surrounding area include PNC BankPNC Bank4650 Jonesboro Rd, Union City, GA 30291A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, ValleyDirectValleyDirect1020 Summit Ave, Union City, NJ 07087A+5.0 ★Texas Ratio: 3.76% Kids First Savings at 0.25% APY, Liberty Savings Federal Credit UnionLiberty Savings Federal Credit Union108 48th St, Union City, NJ 07087A5.0 ★Texas Ratio: 8.74% Savings at 0.10% APY, Ponce BankPonce Bank3821 Bergenline Ave, Union City, NJ 07087A+5.0 ★Texas Ratio: 3.64% Ponce Savings Account at 0.10% APY, and Wells FargoWells Fargo34356 Alvarado Niles Rd, Union City, CA 94587A5.0 ★Texas Ratio: 7.44% Retirement High Yield Savings at 0.05% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Union City, New Jersey, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Union City, New Jersey (NJ) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Union City, New Jersey and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Union City, New Jersey & Surrounding Communities
No minimum balance; Available for minors under 18
No maintenance charge for average daily balances of $10,000 or more
Great for balances over $10k; No maintenance charge for average daily balances of $10,000 or more
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
Comes with a card for ATM withdrawals; No maintenance charge for average daily balances of $300 or more
Apple Bank SmartStart Savings pays 12x the national average2 on balances from $1.01 to $10,000.
Qualifying balance up to $1,000.00
Balances $0.00 - $1,000.00
Qualifying balance up to $10,000.00
Qualifying balance up to $10,000
Qualifying balance up to $10,000
Qualifying balance up to $10,000
Open a fee-free bank account and a high-yield savings account for teens 13-17.; Earn 5.00% APY1 on savings balances from $1.01 to $10,000
Qualifying balance up to $10,000.00
Qualifications Required: Direct deposit of $500 or more per month into Advantage Checking; Receive e-statements; Qualifying balance up to $5,000.00; Monthly fee for Advantage Banking - $10 can be avoided by doing the following: Direct deposit of $500 or more per month into Advantage Checking; Receive e-statements
Qualifying balance up to $10,000; for one year!
Qualifying balance up to $5,000.00
Qualifications Required: direct deposits totaling $1,000 or more monthly; 10 (ten) or more Point-of-Sale (POS) Debit Card transactions monthly; 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
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; Bonus will be earned when a single deposit of $15,000 or more of new money is deposited into the account and the balance is maintained for a 6-month (182 days) qualification period.
Qualifying balance up to $1,000.00
Earns 3.75% APY2 on balances up to $15,000
New Money Only
Terms and Conditions apply.
Qualifications Required
Qualifying balance up to $1,000,000
$1,000 - $99,999.99
$1,000 - $99,999.99
Qualifying balance up to $10,000.00
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.
Union City, NJ Savings Rate Trends
Compare local Union City, NJ savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Jersey high-yield savings rates fell 0.587 points this week to 0.677% APY, down from 1.264% last week.
New Jersey standard savings rates rose 0.386 points this week to 0.491% APY, up from 0.105% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Union City, 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 Union City, 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 Union City, New Jersey
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Union City, New Jersey safe?
How often do savings rates change in Union City, 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 Union City, New Jersey?
How do I open a savings account in Union City, New Jersey?
Best Savings Rates in Union City, New Jersey
- PNC Bank
PNC High Yield Savings® — 3.25% APY - ValleyDirect
Kids First Savings — 0.25% APY - Liberty Savings Federal Credit Union
Savings — 0.10% APY - Ponce Bank
Ponce Savings Account — 0.10% APY - Wells Fargo
Retirement High Yield Savings — 0.05% APY
