Whitehouse Station, New Jersey (NJ) Savings Rates - April 2026
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Editorial Disclosure
The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Whitehouse Station, New Jersey and the surrounding area include Unity BankUnity Bank370 Route 22, Whitehouse Station, NJ 08889A5.0 ★Texas Ratio: 7.29% eSavings at 3.50% APY, PNC BankPNC Bank432 Route 22, Whitehouse Station, NJ 08889A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Somerset Savings BankSomerset Savings Bank410 Us 22, Whitehouse Station, NJ 08889A+5.0 ★Texas Ratio: 0.07% Tiered Savings at 0.10% APY, Kinecta Federal Credit UnionKinecta Federal Credit UnionA+5.0 ★Texas Ratio: 4.14% High Yield Savings (Personal) at 5.00% APY, and Andrews Federal Credit UnionAndrews Federal Credit UnionA5.0 ★Texas Ratio: 11.92% Online Savings Account at 5.00% APY.
Whitehouse Station has 20 local institutions in our database, with savings rates as high as 3.50% APY from Unity Bank at 370 Route 22, Whitehouse Station, NJ 08889. Use the table below to compare all available offers, including options from institutions serving the broader New Jersey area. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Whitehouse Station, New Jersey and the surrounding area. Last Updated and Verified: April 14, 2026
Compare the Best Savings Rates in Whitehouse Station, New Jersey & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
370 Route 22, Whitehouse Station, NJ 08889
eSavings
3.50%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
432 Route 22, Whitehouse Station, NJ 08889
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
370 Route 22, Whitehouse Station, NJ 08889
eSavings
3.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
370 Route 22, Whitehouse Station, NJ 08889
eSavings
2.50%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
370 Route 22, Whitehouse Station, NJ 08889
eSavings
2.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
370 Route 22, Whitehouse Station, NJ 08889
eSavings
0.25%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
370 Route 22, Whitehouse Station, NJ 08889
eSavings
0.15%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
370 Route 22, Whitehouse Station, NJ 08889
eSavings
0.10%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
370 Route 22, Whitehouse Station, NJ 08889
Opportunity Savings
0.10%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 2026
Details
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
410 Us 22, Whitehouse Station, NJ 08889
Tiered Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
410 Us 22, Whitehouse Station, NJ 08889
Passbook and Statement Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Somerset Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
410 Us 22, Whitehouse Station, NJ 08889
Tiered Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
370 Route 22, Whitehouse Station, NJ 08889
Opportunity Savings
0.05%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
370 Route 22, Whitehouse Station, NJ 08889
Prosperity Savings
0.05%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
370 Route 22, Whitehouse Station, NJ 08889
eSavings
0.05%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
432 Route 22, Whitehouse Station, NJ 08889
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
432 Route 22, Whitehouse Station, NJ 08889
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
370 Route 22, Whitehouse Station, NJ 08889
eSavings
0.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
370 Route 22, Whitehouse Station, NJ 08889
Opportunity Savings
0.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
370 Route 22, Whitehouse Station, NJ 08889
Prosperity Savings
0.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 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 11, 2026
Details
Qualifying balance up to $499.99
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—
UpdatedApr 11, 2026
Details
Qualifying balance up to $1,000.00
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—
UpdatedApr 11, 2026
Details
Balances $0.00 - $1,000.00
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
SmartStart Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $10,000.00; For ages up to 25.
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 11, 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 18-25
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 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 13-17
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $10,000.00
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%
Promotional Savings Account
4.00%
$500
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $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
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
ages 0-17 earn
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
High Yield Savings Account
4.00%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details
introductory promo for new customers*
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $5,000.00
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 11, 2026
Details
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 11, 2026
Details
New Money Only
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 11, 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 11, 2026
Details
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
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 11, 2026
Details
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
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
High-Yield Savings Accounts
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
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—
UpdatedApr 11, 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 11, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
Business High-Yield Savings
3.10%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $1,000,000. Limit one High Yield Savings Account per member. $10 monthly service fee is waived if the daily balance is $10,000 or more. Account holder may withdraw funds three times per monthly statement cycle via check, transfer or withdrawal, $25 fee for each additional withdrawal per statement cycle. Fees may reduce earnings.
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 11, 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 11, 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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
High Yield Savings
3.00%
$500
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 8, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
High Yield Savings (Personal)
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Business Savings Tier 2
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details
$1,000 - $99,999.99
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Growth savings account
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Business Savings Tier 4
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
$250,000 - $499,999.99
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Business Savings Tier 3
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
$100,000 - $249,999.99
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
SafeGuard Savings, Municipal
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
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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.
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.
Whitehouse Station, NJ Savings Rate Trends
Compare local Whitehouse Station, 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.
High-Yield Savings — NJ Avg
2.671%
▼ 0.777 vs 7 days ago
New Jersey high-yield savings rates fell 0.777 points over the past 7 days to 2.671% APY, down from 3.447%.
Standard Savings — NJ Avg
0.689%
Unchanged vs 7 days ago
New Jersey standard savings rates currently average 0.689% APY based on data from institutions in our monitoring network.
As of Apr 14, 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 Whitehouse Station, 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 Whitehouse Station, 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 Whitehouse Station, 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 Whitehouse Station, 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 Whitehouse Station, 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 Whitehouse Station, 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 Whitehouse Station, New Jersey?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Whitehouse Station, New Jersey offer in-person customer service, which some customers prefer.
How do I open a savings account in Whitehouse Station, 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 Whitehouse Station, New Jersey
Here are recent savings rates observed in Whitehouse Station, New Jersey and the surrounding area:
- Unity Bank
eSavings — 3.50% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Somerset Savings Bank
Tiered Savings — 0.10% APY - Kinecta Federal Credit Union
High Yield Savings (Personal) — 5.00% APY - Andrews Federal Credit Union
Online Savings Account — 5.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Whitehouse Station, New Jersey. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 14, 2026
Whitehouse Station, New Jersey Rates & Resources
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