Bank · FDIC insured
Kearny Bank CD Rates
Kearny Bank’s best CD rate is 3.80% APY on a 10-month CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Kearny Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Kearny Bank has the most branches. $10,000, best rate first.
This bank’s best
Kearny Bank
3.80%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $316
Certificates of Deposit
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
Kearny Bank CD score
78
CD score
Higher than 45% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.80%
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 Kearny Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.80%APY · 14 terms
All interest rates are subject to change without notice. Penalties for early withdrawal may reduce earnings. To open a CD please visit your local branch.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1 month30 Day CD. Initial opening balance / minimum balance to obtain APY is $25,000 | — | — | 0.05% | —0.05% from $25k | — |
| 3 months91 Day CD. Initial opening balance / minimum balance to obtain APY is $1,000 | — | 0.05% | — | 0.05% | $1 |
| 4 months4 Month CD. Initial opening balance / minimum balance to obtain APY is $500 | 3.55% | — | — | 3.55% | $117 |
| 6 months6 Month CD. Initial opening balance / minimum balance to obtain APY is $1,000 | — | 0.05% | — | 0.05% | $2 |
| 7 months7 Month CD. Initial opening balance / minimum balance to obtain APY is $500 | 3.70% | — | — | 3.70% | $214 |
| 10 months10 Month CD. Initial opening balance / minimum balance to obtain APY is $500 | 3.80% | — | — | 3.80% | $316 |
| 12 months1 Year CD. Initial opening balance / minimum balance to obtain APY is $500 | 1.75% | — | — | 1.75% | $175 |
| 13 months13 Month CD. Initial opening balance / minimum balance to obtain APY is $500 | 3.80% | — | — | 3.80% | $412 |
| 18 months18 Month CD. Initial opening balance / minimum balance to obtain APY is $500 | 1.50% | — | — | 1.50% | $226 |
| 19 months19 Month CD. Initial opening balance / minimum balance to obtain APY is $500 | 3.00% | — | — | 3.00% | $479 |
| 24 months2 Year CD. Initial opening balance / minimum balance to obtain APY is $500 | 2.25% | — | — | 2.25% | $455 |
| 36 months3 Year CD. Initial opening balance / minimum balance to obtain APY is $500 | 2.50% | — | — | 2.50% | $769 |
| 48 months4 Year CD. Initial opening balance / minimum balance to obtain APY is $500 | 2.75% | — | — | 2.75% | $1,146 |
| 60 months5 Year CD. Initial opening balance / minimum balance to obtain APY is $500 | 3.00% | — | — | 3.00% | $1,593 |
Sources (2)
All captured Sep 24, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.80%APY · 12 terms
Traditional and Roth IRA certificates of deposit. All interest rates are subject to change without notice. Penalties for early withdrawal may reduce earnings. To open a CD please visit your local branch. IRA transfer fee (trustee to trustee per account) is $40.00.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 4 months4 Month IRA. Initial opening balance / minimum balance to obtain APY is $500 | 3.55% | — | 3.55% | $117 |
| 6 months6 Month IRA. Initial opening balance / minimum balance to obtain APY is $1,000 | — | 0.05% | 0.05% | $2 |
| 7 months7 Month IRA. Initial opening balance / minimum balance to obtain APY is $500 | 3.70% | — | 3.70% | $214 |
| 10 months10 Month IRA. Initial opening balance / minimum balance to obtain APY is $500 | 3.80% | — | 3.80% | $316 |
| 12 months1 Year IRA. Initial opening balance / minimum balance to obtain APY is $500 | 1.75% | — | 1.75% | $175 |
| 13 months13 Month IRA. Initial opening balance / minimum balance to obtain APY is $500 | 3.80% | — | 3.80% | $412 |
| 18 months18 Month IRA. Initial opening balance / minimum balance to obtain APY is $500 | 1.50% | — | 1.50% | $226 |
| 19 months19 Month IRA. Initial opening balance / minimum balance to obtain APY is $500 | 3.00% | — | 3.00% | $479 |
| 24 months2 Year IRA. Initial opening balance / minimum balance to obtain APY is $500 | 2.25% | — | 2.25% | $455 |
| 36 months3 Year IRA. Initial opening balance / minimum balance to obtain APY is $500 | 2.50% | — | 2.50% | $769 |
| 48 months4 Year IRA. Initial opening balance / minimum balance to obtain APY is $500 | 2.75% | — | 2.75% | $1,146 |
| 60 months5 Year IRA. Initial opening balance / minimum balance to obtain APY is $500 | 3.00% | — | 3.00% | $1,593 |
Sources (3)
- kearnybank.com/personal-banking/rates
- kearnybank.com/personal-banking/services/iras
- kearnybank.com/docs/default-so…s-vf-eff-aug-01-2026.pdf
All captured Sep 24, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.