Credit union · NCUA insured
New Jersey Community FCU Savings Rates
New Jersey Community FCU’s best savings rate is 0.01% APY on $10,000, with its Primary Savings Account. Rates checked October 22, 2026.
How New Jersey Community FCU’s savings 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
0.01%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $1
Primary Savings Account
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
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Primary Savings Account
0.01%APY
Initial minimum deposit of $5.00 required to open and maintain member-owner status in good standing. The $5 is not available to clear checks, debit card transactions, or pay bills. Dividends are calculated daily and compounded monthly. Two withdrawals per quarter allowed, after which a fee is imposed. Minimum average daily balance required to earn stated APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $20,000 | 0.01% | $1 |
Special-purpose accounts
IRA Money Market Account
0.03%APY
Subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $250 | 0.00% | — |
| $250 – $1,000 | 0.00% | — |
| $1,000 – $20,000 | 0.03% | $3 |
| $20,000 – $50,000 | 0.35% | — |
| $50,000 and up | 0.55% | — |
Sources (1)
- newjerseycommunityfcu.com/loans/loan-rates-information · captured Sep 19, 2026
Roth IRA Money Market Account
0.03%APY
Subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $250 | 0.00% | — |
| $250 – $1,000 | 0.00% | — |
| $1,000 – $20,000 | 0.03% | $3 |
| $20,000 – $50,000 | 0.35% | — |
| $50,000 and up | 0.55% | — |
Sources (1)
- newjerseycommunityfcu.com/loans/loan-rates-information · captured Sep 19, 2026
Christmas Club Account
0.00%APY
Runs from October 1 to September 30; funds transfer to checking (or savings if no checking) on the night of September 30 / October 1. If any account balance is withdrawn at any time (outside the first 7 days after opening), the account is closed and full balance paid. Dividends compounded daily and credited monthly. Minimum average daily balance required to earn APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.00% | $0 |
Vacation Club Account
0.00%APY
Can be started anytime; matures every March 31 and funds are available April 1. Dividends are compounded daily and credited monthly. Two withdrawals per quarter allowed, after which a fee is imposed. Minimum average daily balance required to earn APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.00% | $0 |
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.