Credit union · NCUA insured
NJ Gateway FCU CD Rates
NJ Gateway FCU’s best CD rate is 0.25% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How NJ Gateway FCU’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where NJ Gateway FCU has the most branches. $10,000, best rate first.
This credit union’s best
NJ Gateway FCU
0.25%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $126
Certificates
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
NJ Gateway FCU CD score
60
CD score
Higher than 0% of U.S. banks and credit unions
- 3–8 months3–8 mo0.05%
- 9–15 months9–15 mo0.05%
- 16–30 months16–30 mo0.10%
- 31–60 months31–60 mo0.25%
- QualifiedQualified0.25%
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 NJ Gateway 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.
Certificates
Up to 0.25%APY · 7 terms
Dividends are compounded daily, based on day of deposit or day of withdrawal, and paid monthly. Rates are subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.05% | $1 |
| 6 months | 0.05% | $2 |
| 12 months | 0.05% | $5 |
| 24 months | 0.10% | $20 |
| 36 months | 0.15% | $45 |
| 48 months | 0.20% | $80 |
| 60 months | 0.25% | $126 |
Special-purpose accounts
IRA Certificates
Up to 0.25%APY · 5 terms
IRA Certificates must be 1 year or longer, with $500 minimum balance / minimum deposit. Dividends are compounded daily, based on day of deposit or day of withdrawal, and paid monthly. Rates are subject to change weekly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.05% | $5 |
| 24 months | 0.10% | $20 |
| 36 months | 0.15% | $45 |
| 48 months | 0.20% | $80 |
| 60 months | 0.25% | $126 |
Who can join NJ Gateway FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, attends school or worships in Middlesex County is eligible to join.
Employers and groups
- Employees of served Employer Groups are eligible to join.
Family and household
- Family members / individuals related to a present member are eligible to join.
Membership information collected October 5, 2026.