Credit union · NCUA insured
New Jersey Law & Public Safety Credit Union Savings Rates
Top CarrotNew Jersey Law & Public Safety Credit Union’s best savings rate is 0.08% APY on $10,000, with its Share Savings Account. Rates checked October 22, 2026.
How New Jersey Law & Public Safety Credit Union’s savings rates compare
Compared with banks and credit unions near Trenton, NJ, where New Jersey Law & Public Safety Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
New Jersey Law & Public Safety Credit Union
0.08%APY
- Minimum
- $50
- Earns on $10,000 a year
- $8
Share Savings Account
Top rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Altra Federal Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
New Jersey Law & Public Safety Credit Union savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.06%
- $10,000 balance$10,0000.08%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.08%
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 Law & Public Safety 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.
Share Savings Account
0.08%APY
Minimum $50 balance required to maintain membership and credit union ownership. Reg D limits automatic/pre-authorized transfers or withdrawals to six per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,500Dividends calculated by average daily balance method, compounded and credited quarterly. | 0.06% | — | Dividends calculated by average daily balance method, compounded and credited quarterly. |
| $5,000 – $12,500Dividends calculated by average daily balance method, compounded and credited quarterly. | 0.08% | $8 | Dividends calculated by average daily balance method, compounded and credited quarterly. |
| $12,500 and upDividends calculated by average daily balance method, compounded and credited quarterly. | 0.10% | — | Dividends calculated by average daily balance method, compounded and credited quarterly. |
Sources (4)
- njlpscu.org/accounts
- njlpscu.org/rates
- njlpscu.org/wp-content/uploads…s-Disclosure-NJLPSCU.pdf
- njlpscu.org/accounts/share-savings-account
All captured Oct 4, 2026
Special-purpose accounts
Holiday Club Account
0.05%APY
Open enrollment is in October. Annual dividend period begins November 1 and ends October 31. Accrued dividends paid if closed within 7 days of opening. On or after October 31, entire balance is transferred to another account and remains open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited annually; calculated by average daily balance method.Any balance | 0.05% | $5 | Dividends compounded and credited annually; calculated by average daily balance method. |
Sources (4)
- njlpscu.org/accounts/holiday-club
- njlpscu.org/accounts
- njlpscu.org/rates
- njlpscu.org/wp-content/uploads…s-Disclosure-NJLPSCU.pdf
All captured Oct 4, 2026
Vacation Club Account
0.05%APY
Open enrollment is in April. No monthly fees. Early withdrawal penalty assessed if funds drawn prior to maturity date. Annual dividend period begins May 1 and ends April 30. Accrued dividends paid if closed within 7 days of opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited annually; calculated by average daily balance method.Any balance | 0.05% | $5 | Dividends compounded and credited annually; calculated by average daily balance method. |
Sources (4)
- njlpscu.org/accounts/vacation-club
- njlpscu.org/accounts
- njlpscu.org/rates
- njlpscu.org/wp-content/uploads…s-Disclosure-NJLPSCU.pdf
All captured Oct 4, 2026
Who can join New Jersey Law & Public Safety Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is open to employees and retirees of the Office of Law and Public Safety (inclusive of the Division of Motor Vehicles), employees of the New Jersey Judiciary, employees of the Office of the Public Defender, and Credit Union employees.
Family and household
- Membership is open to immediate families of eligible employees and retirees.
Membership information collected October 5, 2026.