Bank · FDIC insured
Monroe Savings Bank (Williamstown, NJ) CD Rates
Monroe Savings Bank (Williamstown, NJ)’s best CD rate is 4.00% APY on a 2-year CD. Terms run from 6 months to 10 years. Rates checked October 22, 2026.
How Monroe Savings Bank (Williamstown, NJ)’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Monroe Savings Bank (Williamstown, NJ) has the most branches. $10,000, best rate first.
This bank’s best
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
CD Advantage
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
3rd-highest rate
Comenity Capital Bank
4.85%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $1,500
- Earns on $10,000
- $736
Monroe Savings Bank (Williamstown, NJ) CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo2.50%
- QualifiedQualified5.00%
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 Monroe Savings Bank (Williamstown, NJ) 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.
CD Advantage
5.00%APY · 1 term
Available to new and existing Advantage Banking customers. Requires setting up direct deposit of $500 or more per month into Advantage Checking, opting for e-statements, maintaining an Advantage Banking relationship, and bringing in new money from outside Monroe Savings to fund the CD. If requirements are not met, reverts to prevailing 6-month CD rate. Limit one CD per customer. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsExclusive rate when combining Advantage Banking, setting up a direct deposit of $500 or more per month into Advantage Checking, opting for e-statements, and funding with new money from outside Monroe Savings. Reverts to prevailing 6-month CD rate if requirements are not met. Limit one CD per customer | 5.00% | $247 |
Sources (1)
- monroesavings.com/cd-advantage-landing-page · captured Oct 15, 2026
Certificates of Deposit (CDs)
Up to 4.00%APY · 12 terms
The account will automatically renew at maturity. 10 calendar days grace period from maturity date to withdraw funds without penalty. Early withdrawal penalty applies and may reduce earnings.
| Term | APY · $500 and up | APY · $500 – $50,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| Unknown91-Day term. Early withdrawal penalty: 91 Days Interest. Fixed rate account | 0.50% | — | 0.50% | $0 |
| 6 monthsEarly withdrawal penalty: 91 Days Interest. Fixed rate account | 0.75% | — | 0.75% | $37 |
| 9 monthsMaximum allowable amount is $50,000 to earn stated rate. Requires new funds not currently with Monroe Savings Bank. Early withdrawal penalty: 3 Months Interest. Fixed rate account | — | 3.30% | 3.30% | $246 |
| 12 monthsEarly withdrawal penalty: 3 Months Interest. Fixed rate account | 3.55% | — | 3.55% | $355 |
| 18 monthsEarly withdrawal penalty: 6 Months Interest. Fixed rate account | 1.50% | — | 1.50% | $226 |
| 21 monthsEarly withdrawal penalty: 6 Months Interest. Fixed rate account | 3.00% | — | 3.00% | $531 |
| 24 monthsEarly withdrawal penalty: 6 Months Interest. Fixed rate account | 4.00% | — | 4.00% | $816 |
| 30 monthsEarly withdrawal penalty: 6 Months Interest. Fixed rate account | 2.00% | — | 2.00% | $508 |
| 36 monthsEarly withdrawal penalty: 18 Months Interest. Fixed rate account | 2.15% | — | 2.15% | $659 |
| 48 monthsEarly withdrawal penalty: 18 Months Interest. Fixed rate account | 2.25% | — | 2.25% | $931 |
| 60 monthsEarly withdrawal penalty: 18 Months Interest. Fixed rate account | 2.50% | — | 2.50% | $1,314 |
| 120 monthsEarly withdrawal penalty: 30 Months Interest. Fixed rate account | 2.50% | — | 2.50% | $2,801 |
Special-purpose accounts
Education IRA
3.55%APY · 1 term
An Education IRA is a savings plan for paying higher education expenses of the designated beneficiary. Variable rate account. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEducation - 12-Month Certificate. Early withdrawal penalty: 3 Months Interest. Variable rate account | 3.55% | $355 |
Individual Retirement Accounts (IRAs) Certificates
3.55%APY · 1 term
Individual Retirement Account (IRA) certificates offering safety, income, and growth potential. Early withdrawal penalty applies. Variable rate accounts per disclosure note.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRegular/Roth - 12-Month Certificate. Early withdrawal penalty: 3 Months Interest. Variable rate account | 3.55% | $355 |
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.