Credit union · NCUA insured
Central Jersey Federal Credit Union Savings Rates
Central Jersey Federal Credit Union’s best savings rate is 2.00% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Central Jersey Federal Credit Union’s savings 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
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $200
Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Central Jersey Federal Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
2.00%APY
Available to CJFCU members. Minimum balance of $1,000.00 is needed to open an account and earn dividends. Limit of 4 withdrawals of any kind per month; $15 excess withdrawal fee per withdrawal after the 4th. Minimum account balance of $1,000 required for free services (1 box of checks a year, free money orders, free teller's checks).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMinimum balance to earn the stated APY is $1,000.00. Rates stated are available to CJFCU Members only.$1,000 and up | 2.00% | $200 | Minimum balance to earn the stated APY is $1,000.00. Rates stated are available to CJFCU Members only. |
Sources (3)
All captured Oct 15, 2026
Master Savings (Share) Account
0.25%APY
Available to CJFCU members. Minimum required opening deposit is $5.00. Minimum of one transaction per year is required to maintain active account status. Savings accounts with no activity for 1 year will be charged a $10.00 monthly dormant account fee until the account reaches a zero balance, at which time it will be closed. Paper statements are $2.00 per statement (ages 65 and older excluded). Free online banking with eStatements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.25% | $25 |
Sub Savings Account
0.25%APY
No minimum opening deposit requirement. Minimum of one transaction at least every six months is required to remain active. Limit of six automatic electronic withdrawals permitted per month. Savings accounts with no activity for 1 year are charged a $10.00 monthly fee until reaching zero balance and closing.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn the stated APY is $100.00. No minimum opening deposit requirement.$100 and up | 0.25% | $25 | Minimum balance to earn the stated APY is $100.00. No minimum opening deposit requirement. |
Special-purpose accounts
IRA Savings
0.25%APY
Traditional and Roth IRA options offered. No minimum opening deposit requirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn the stated APY is $100.00. There is no minimum opening deposit requirement.$100 and up | 0.25% | $25 | Minimum balance to earn the stated APY is $100.00. There is no minimum opening deposit requirement. |
Holiday Club
0.10%APY · 1 term
Matures annually each October. Funds automatically transferred to Master Savings Account at maturity. Early withdrawals or account closure will result in a $30.00 early withdrawal fee. If you close your account before dividends are paid, you will not receive accrued dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMatures annually each October. A minimum deposit of $5.00 is required to open the account per product details; rate schedule notes no minimum opening deposit requirement. Minimum balance to earn stated APY is $100.00 | 0.10% | $10 |
Vacation Club
0.10%APY · 1 term
Matures annually each April. Funds automatically transferred to Master Savings Account at maturity. Early withdrawals or account closure will result in a $30.00 early withdrawal fee. If you close your account before dividends are paid, you will not receive accrued dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMatures annually each April. A minimum deposit of $5.00 is required to open per product details; rate schedule notes no minimum opening deposit requirement. Minimum balance to earn stated APY is $100.00 | 0.10% | $10 |
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.