Credit union · NCUA insured
North Jersey Federal Credit Union CD Rates
North Jersey Federal Credit Union’s best CD rate is 3.25% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How North Jersey Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where North Jersey Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
North Jersey Federal Credit Union
3.25%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $491
Regular Term Share 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
North Jersey Federal Credit Union CD score
68
CD score
Higher than 21% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo1.36%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo2.78%
- QualifiedQualified3.25%
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 North Jersey Federal Credit Union 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.
Regular Term Share Certificates
Up to 3.25%APY · 8 terms
Membership eligibility applies (living, working, worshiping, attending school, or conducting business in Bergen, Essex, Hudson, Passaic counties or specified municipalities in Morris and Union counties, NJ). Early withdrawal penalties apply (up to 90 days loss of dividends for terms 3-6 months, 180 days for over 12-18 months, 270 days for 24-30 months, and 365 days for 36-60 months). 3 business day grace period after maturity.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsDividends credited monthly | — | 0.05% | 0.05% | $1 |
| 6 monthsDividends credited monthly | — | 0.10% | 0.10% | $5 |
| 12 monthsDividends credited monthly | 1.36% | — | 1.36% | $136 |
| 18 monthsDividends credited monthly | 3.25% | — | 3.25% | $491 |
| 24 monthsDividends credited monthly | 1.76% | — | 1.76% | $355 |
| 36 monthsDividends credited monthly | 1.92% | — | 1.92% | $587 |
| 48 monthsDividends credited monthly | 2.78% | — | 2.78% | $1,159 |
| 60 monthsDividends credited monthly | 2.17% | — | 2.17% | $1,133 |
Sources (1)
- njfcu.org/banking/term-share-certificates · captured Sep 25, 2026
Special-purpose accounts
Individual Retirement Term Share Certificates
Up to 0.50%APY · 7 terms
Available as Traditional or Roth IRA certificates. Early withdrawal penalties apply (10% penalty for withdrawals if under 59 1/2 years old or funds not rolled over into another IRA plan within 60 days; early withdrawal penalty applies if principal withdrawn prior to maturity).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends credited monthly | 0.10% | $5 |
| 12 monthsDividends credited monthly | 0.20% | $20 |
| 18 monthsDividends credited monthly | 0.20% | $30 |
| 24 monthsDividends credited monthly | 0.30% | $60 |
| 30 monthsDividends credited monthly | 0.30% | $75 |
| 36 monthsDividends credited monthly | 0.35% | $105 |
| 60 monthsDividends credited monthly | 0.50% | $253 |
Sources (1)
- njfcu.org/banking/term-share-c…idual-retirement-account · captured Sep 25, 2026
Who can join North Jersey Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live, work, regularly conduct business in, worship, or attend school in, as well as businesses and other legal entities located in Bergen County, Essex County, Hudson County, Passaic County, or specified municipalities in Morris County (Denville, Dover, Florham Park, Hanover, Morris, Morristown Town, Rockaway Borough, Rockaway Township) and Union County (Elizabeth, Linden, Roselle).
Family and household
- Membership is open to immediate family members, including spouse, parent, stepparent, child, stepchild, sibling, stepsibling, grandchild, grandparent, or great grandparent.
Membership information collected October 5, 2026.