Credit union · NCUA insured
Central Jersey Federal Credit Union CD Rates
Central Jersey Federal Credit Union’s best CD rate is 2.00% APY on a 5-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 22, 2026.
How Central Jersey Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Central Jersey Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Central Jersey Federal Credit Union
2.00%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,041
Share Certificates
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Central Jersey Federal Credit Union CD score
62
CD score
Higher than 6% of U.S. banks and credit unions
- 9–15 months9–15 mo1.00%
- 16–30 months16–30 mo1.25%
- 31–60 months31–60 mo2.00%
- QualifiedQualified2.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Central Jersey Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 2.00%APY · 5 terms
Rates stated are available to CJFCU Members only. Early withdrawal penalty applies. At the end of the certificate term, Share certificates will be deposited into the Master Savings account. May be used as collateral for loans.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPaid disclosed rate until first maturity. Penalty will be imposed for early withdrawal | 1.00% | $100 |
| 24 monthsPaid disclosed rate until first maturity. Penalty will be imposed for early withdrawal | 1.25% | $252 |
| 36 monthsPaid disclosed rate until first maturity. Penalty will be imposed for early withdrawal | 1.50% | $457 |
| 48 monthsPaid disclosed rate until first maturity. Penalty will be imposed for early withdrawal | 1.75% | $719 |
| 60 monthsPaid disclosed rate until first maturity. Penalty will be imposed for early withdrawal | 2.00% | $1,041 |
Special-purpose accounts
IRA Certificates
Up to 2.00%APY · 5 terms
Rates stated are available to CJFCU Members only. Traditional and Roth IRA options offered. Penalty will be imposed for early withdrawal. IRA certificates automatically renew for a term equal to original term at current dividend rate unless written notice received prior to maturity. 10 calendar days grace period after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPaid disclosed rate until first maturity. Penalty will be imposed for early withdrawal. Automatically renews for a term equal to original term at current dividend rate unless written notice received prior to maturity. 10-day grace period | 1.00% | $100 |
| 24 monthsPaid disclosed rate until first maturity. Penalty will be imposed for early withdrawal. Automatically renews for a term equal to original term at current dividend rate unless written notice received prior to maturity. 10-day grace period | 1.25% | $252 |
| 36 monthsPaid disclosed rate until first maturity. Penalty will be imposed for early withdrawal. Automatically renews for a term equal to original term at current dividend rate unless written notice received prior to maturity. 10-day grace period | 1.50% | $457 |
| 48 monthsPaid disclosed rate until first maturity. Penalty will be imposed for early withdrawal. Automatically renews for a term equal to original term at current dividend rate unless written notice received prior to maturity. 10-day grace period | 1.75% | $719 |
| 60 monthsPaid disclosed rate until first maturity. Penalty will be imposed for early withdrawal. Automatically renews for a term equal to original term at current dividend rate unless written notice received prior to maturity. 10-day grace period | 2.00% | $1,041 |
Who can join Central Jersey Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to all employees of participating Select Employee Groups (SEGs).
Family and household
- Immediate family members of an existing member are eligible for membership, including spouses (marriage or civil union), children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships.
Cost to join
- An initial share deposit of $5.00 is required to open a Share Savings Account and establish membership ownership.
Membership information collected October 5, 2026.