Bank · FDIC insured
NEW MILLENNIUM BANK CD Rates
Top CarrotNEW MILLENNIUM BANK’s best CD rate is 4.25% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How NEW MILLENNIUM BANK’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where NEW MILLENNIUM BANK has the most branches. $10,000, best rate first.
This bank’s best
NEW MILLENNIUM BANK
4.25%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $425
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
NEW MILLENNIUM BANK CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo2.00%
- QualifiedQualified4.25%
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 MILLENNIUM 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 4.25%APY · 11 terms
Fixed Rate. $500.00 Minimum to open and obtain APY. Interest compounded daily, credited monthly. Penalties may apply to early withdrawals. 4 Month CD & 10 Month CD are not offered for a new account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed Rate. $500.00 Minimum to open and obtain APY. Penalties may apply to early withdrawals | 3.75% | $92 |
| 4 monthsFixed Rate. $500.00 Minimum to open and obtain APY. 4 Month CD is not offered for a new account. Penalties may apply to early withdrawals | 3.00% | $99 |
| 6 monthsFixed Rate. $500.00 Minimum to open and obtain APY. Penalties may apply to early withdrawals | 3.75% | $186 |
| 9 monthsFixed Rate. $500.00 Minimum to open and obtain APY. Penalties may apply to early withdrawals | 3.70% | $276 |
| 10 monthsFixed Rate. $500.00 Minimum to open and obtain APY. 10 Month CD is not offered for a new account. Penalties may apply to early withdrawals | 3.00% | $249 |
| 12 monthsFixed Rate. $500.00 Minimum to open and obtain APY. Penalties may apply to early withdrawals | 4.25% | $425 |
| 18 monthsFixed Rate. $500.00 Minimum to open and obtain APY. Penalties may apply to early withdrawals | 3.50% | $530 |
| 24 monthsFixed Rate. $500.00 Minimum to open and obtain APY. Penalties may apply to early withdrawals | 3.25% | $661 |
| 36 monthsFixed Rate. $500.00 Minimum to open and obtain APY. Penalties may apply to early withdrawals | 2.00% | $612 |
| 48 monthsFixed Rate. $500.00 Minimum to open and obtain APY. Penalties may apply to early withdrawals | 2.00% | $824 |
| 60 monthsFixed Rate. $500.00 Minimum to open and obtain APY. Penalties may apply to early withdrawals | 2.00% | $1,041 |
Sources (1)
- nmbonline.com/products-rates · captured Oct 4, 2026
Special-purpose accounts
Millennium Club Account
Up to 4.00%APY · 3 terms
Fixed Rate. Minimum to open and obtain APY is $1,000 contract amount. Substantial penalty may be imposed for Early Withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed Rate. Minimum to open and obtain APY is $1,000 contract amount. Substantial penalty may be imposed for early withdrawal | 4.00% | $400 |
| 24 monthsFixed Rate. Minimum to open and obtain APY is $1,000 contract amount. Substantial penalty may be imposed for early withdrawal | 2.00% | $404 |
| 36 monthsFixed Rate. Minimum to open and obtain APY is $1,000 contract amount. Substantial penalty may be imposed for early withdrawal | 2.00% | $612 |
Sources (1)
- nmbonline.com/products-rates · captured Oct 4, 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.