Credit union · NCUA insured
New Jersey Community FCU CD Rates
New Jersey Community FCU’s best CD rate is 3.56% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How New Jersey Community FCU’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where New Jersey Community FCU has the most branches. $10,000, best rate first.
This credit union’s best
New Jersey Community FCU
3.30%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,764
CD (Certificate of Deposit) – Share Certificates
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
New Jersey Community FCU CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo2.63%
- 9–15 months9–15 mo2.79%
- 16–30 months16–30 mo3.10%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.30%
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 New Jersey Community FCU 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.
CD (Certificate of Deposit) – Share Certificates
Up to 3.30%APY · 10 terms
Minimum opening deposit is $1,000.00. Dividends compounded and credited monthly. Average daily balance method used to calculate dividends. Early withdrawal penalty of 90 days dividends applies. 10 business day grace period at maturity. Automatic renewal.
| Term | APY · $1,000 – $20,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsRollover / New Balances $1,000 – $19,999.99 | 0.75% | — | 0.75% | $19 |
| 3 monthsRollover / New Balances $50,000+ | — | 1.01% | —1.01% from $50k | — |
| 6 monthsRollover / New Balances $1,000 – $19,999.99 | 2.63% | — | 2.63% | $131 |
| 6 monthsRollover / New Balances $50,000+ | — | 2.89% | —2.89% from $50k | — |
| 9 monthsRollover / New Balances $1,000 – $19,999.99 | 2.74% | — | 2.74% | $205 |
| 9 monthsRollover / New Balances $50,000+ | — | 2.99% | —2.99% from $50k | — |
| 12 monthsRollover / New Balances $1,000 – $19,999.99 | 2.79% | — | 2.79% | $279 |
| 12 monthsRollover / New Balances $50,000+ | — | 3.05% | —3.05% from $50k | — |
| 18 monthsRollover / New Balances $1,000 – $19,999.99 | 2.94% | — | 2.94% | $445 |
| 18 monthsRollover / New Balances $50,000+ | — | 3.05% | —3.05% from $50k | — |
| 24 monthsRollover / New Balances $1,000 – $19,999.99 | 3.05% | — | 3.05% | $618 |
| 24 monthsRollover / New Balances $50,000+ | — | 3.30% | —3.30% from $50k | — |
| 30 monthsRollover / New Balances $1,000 – $19,999.99 | 3.10% | — | 3.10% | $792 |
| 30 monthsRollover / New Balances $50,000+ | — | 3.36% | —3.36% from $50k | — |
| 36 monthsRollover / New Balances $1,000 – $19,999.99 | 3.15% | — | 3.15% | $974 |
| 36 monthsRollover / New Balances $50,000+ | — | 3.41% | —3.41% from $50k | — |
| 48 monthsRollover / New Balances $1,000 – $19,999.99 | 3.20% | — | 3.20% | $1,343 |
| 48 monthsRollover / New Balances $50,000+ | — | 3.46% | —3.46% from $50k | — |
| 60 monthsRollover / New Balances $1,000 – $19,999.99 | 3.30% | — | 3.30% | $1,764 |
| 60 monthsRollover / New Balances $50,000+ | — | 3.56% | —3.56% from $50k | — |
Sources (2)
- newjerseycommunityfcu.com/savi…/certificate-disclosures
- newjerseycommunityfcu.com/loans/loan-rates-information
All captured Oct 4, 2026
Special-purpose accounts
CD (Certificate of Deposit) – IRA Certificates
Up to 3.30%APY · 10 terms
Minimum opening deposit is $1,000.00. Dividends compounded and credited monthly. Average daily balance method used to calculate dividends. Early withdrawal penalty of 90 days dividends applies (with exceptions for IRA paid within 7 days after establishment or owner attains age 59 1/2 or becomes disabled). 10 business day grace period at maturity. Automatic renewal.
| Term | APY · $1,000 – $20,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsRollover / New Balances $1,000 – $19,999.99 | 0.75% | — | 0.75% | $19 |
| 3 monthsRollover / New Balances $50,000+ | — | 1.01% | —1.01% from $50k | — |
| 6 monthsRollover / New Balances $1,000 – $19,999.99 | 2.63% | — | 2.63% | $131 |
| 6 monthsRollover / New Balances $50,000+ | — | 2.89% | —2.89% from $50k | — |
| 9 monthsRollover / New Balances $1,000 – $19,999.99 | 2.74% | — | 2.74% | $205 |
| 9 monthsRollover / New Balances $50,000+ | — | 2.99% | —2.99% from $50k | — |
| 12 monthsRollover / New Balances $1,000 – $19,999.99 | 2.79% | — | 2.79% | $279 |
| 12 monthsRollover / New Balances $50,000+ | — | 3.05% | —3.05% from $50k | — |
| 18 monthsRollover / New Balances $1,000 – $19,999.99 | 2.94% | — | 2.94% | $445 |
| 18 monthsRollover / New Balances $50,000+ | — | 3.05% | —3.05% from $50k | — |
| 24 monthsRollover / New Balances $1,000 – $19,999.99 | 3.05% | — | 3.05% | $618 |
| 24 monthsRollover / New Balances $50,000+ | — | 3.30% | —3.30% from $50k | — |
| 30 monthsRollover / New Balances $1,000 – $19,999.99 | 3.10% | — | 3.10% | $792 |
| 30 monthsRollover / New Balances $50,000+ | — | 3.36% | —3.36% from $50k | — |
| 36 monthsRollover / New Balances $1,000 – $19,999.99 | 3.15% | — | 3.15% | $974 |
| 36 monthsRollover / New Balances $50,000+ | — | 3.41% | —3.41% from $50k | — |
| 48 monthsRollover / New Balances $1,000 – $19,999.99 | 3.20% | — | 3.20% | $1,343 |
| 48 monthsRollover / New Balances $50,000+ | — | 3.46% | —3.46% from $50k | — |
| 60 monthsRollover / New Balances $1,000 – $19,999.99 | 3.30% | — | 3.30% | $1,764 |
| 60 monthsRollover / New Balances $50,000+ | — | 3.56% | —3.56% from $50k | — |
Who can join New Jersey Community FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live in select towns and cities in New Jersey (Cinnaminson, Delran, Eastampton, Evesboro, Evesham, Hainesport, Lumberton, Maple Shade, Marlton, Medford, Medford Lakes, Moorestown, Mount Holly, Mount Laurel, Rancocas Woods, Riverton, West Moorestown) are eligible to join.
Family and household
- Any family member of an existing member of NJ Community Federal Credit Union is eligible to join, including spouse, children, parents, siblings (including adoptions) regardless of residence, in-laws, and "Steps."
- Household members and family members (spouse, children, parents, siblings) of existing members are eligible to join.
Membership information collected October 5, 2026.