Bank · FDIC insured
Union County Savings Bank CD Rates
Top CarrotUnion County Savings Bank’s best CD rate is 4.00% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Union County Savings Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Union County Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Union County Savings Bank
4.00%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $606
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
Union County Savings Bank CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.00%
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 Union County Savings 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 4.00%APY · 12 terms
Minimum opening balance of $500. You must maintain the minimum deposit in the account every day to obtain the APY. Fixed interest rate. No deposits or withdrawals permitted until maturity, except during the 10-day grace period. Early withdrawals may result in a penalty. All certificate accounts renew automatically at maturity unless instructions are received during grace period. Checking customers may be eligible to receive a 0.10% APY bonus on select promotional certificates of deposit when the qualifying checking account is open, funded, and in good standing at the time of CD opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsStatement & Passbook | 0.65% | $16 |
| 4 monthsStatement & Passbook. At the time of maturity, the 4-month CD term will auto-renew to a 3-month term at the then published rate. Checking customers may be eligible to receive a 0.10% APY bonus on select promotional CDs when qualifying checking is open, funded, and in good standing | 3.75% | $123 |
| 6 months | 0.70% | $35 |
| 7 monthsStatement & Passbook. Checking customers may be eligible to receive a 0.10% APY bonus on select promotional CDs when qualifying checking is open, funded, and in good standing | 3.75% | $217 |
| 9 monthsStatement & Passbook | 3.00% | $224 |
| 12 monthsStatement & Passbook | 3.25% | $325 |
| 13 monthsStatement & Passbook. The 13-month certificate of deposit will automatically renew as a standard 12-month certificate at maturity unless alternate instructions are provided during the grace period (renewal APY based on 12-month CD rate in effect on renewal date). Checking customers may be eligible to receive a 0.10% APY bonus on select promotional CDs when qualifying checking is open, funded, and in good standing | 3.55% | $385 |
| 18 monthsStatement & Passbook. Checking customers may be eligible to receive a 0.10% APY bonus on select promotional CDs when qualifying checking is open, funded, and in good standing | 4.00% | $606 |
| 24 monthsStatement & Passbook | 3.00% | $609 |
| 36 monthsExisting funds | 2.25% | $690 |
| 36 monthsNew money only. Checking customers may be eligible to receive a 0.10% APY bonus on select promotional certificates of deposit when the qualifying checking account is open, funded, and in good standing at the time of CD opening | 3.50% | $1,087 |
| 48 months | 2.35% | $974 |
| 60 months | 1.36% | $699 |
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.55%APY · 3 terms
IRA accounts renew automatically at maturity unless instructions are provided. Early withdrawal penalties may apply. Rates effective as of 7/2/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.55% | $355 |
| 24 months | 3.00% | $609 |
| 36 monthsExisting funds | 2.25% | $690 |
| 36 monthsNew money only | 3.50% | $1,087 |
Sources (1)
- unioncountysavings.com/rates · captured Sep 19, 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.