Credit union · NCUA insured
NJ Gateway FCU Savings Rates
NJ Gateway FCU’s best savings rate is 0.05% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How NJ Gateway FCU’s savings 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
0.05%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $5
Money Market Savings
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
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
NJ Gateway FCU savings score
60
Savings score
Higher than 2% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 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.
Money Market Savings
0.05%APY
Dividends compounded daily and paid monthly. Higher dividends paid on balances over $50,000. Rates are prospective and subject to change.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | — |
| $10,000 – $50,000 | 0.05% | $5 |
| $50,000 and up | 0.05% | — |
Sources (2)
All captured Sep 19, 2026
Regular Shares
0.01%APY
Dividends are compounded daily, based on day of deposit/day of withdrawal and paid quarterly. Minimum balance necessary to earn dividends is $100.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100.00. Minimum deposit of $5.00 (one share).$100 and up | 0.01% | $1 | Minimum balance to earn dividends is $100.00. Minimum deposit of $5.00 (one share). |
Special-purpose accounts
Holiday Club
0.01%APY
Dividends are compounded daily, based on day of deposit or day of withdrawal. Dividends are paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
IRA variable rate shares
0.01%APY
Regular, Roth & Educational IRAs are offered with no annual fees. Dividends are compounded daily, based on day of deposit or day of withdrawal. Dividends are paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRegular, Roth & Educational IRAs are offered with no annual fees. Minimum opening deposit of $25.00.Any balance | 0.01% | $1 | Regular, Roth & Educational IRAs are offered with no annual fees. Minimum opening deposit of $25.00. |
Vacation Club
0.01%APY
Dividends are compounded daily, based on day of deposit or day of withdrawal. Dividends are paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Youth Account
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (1)
- njgatewayfcu.org/savings-rates · captured Sep 19, 2026
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.