Compare Bank & Credit Union Rates
Best CD rates in Cranford, NJ
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–7 results in Cranford, NJ
- 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.00%APY$606 over 18 months on $10,000intro rate
Requirements
Product: 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.
Offer: Statement & 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.
Promotional rate · 3.92% interest rate · Effective Jul 2, 2026
Rate checked
More details - 3.85%APY$418 over 13 months on $10,000
Requirements
Product: Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit account and who are primary residents of and live in Bucks County, PA. Maximum deposit is $500,000. Compounded daily and credited monthly for terms 12 months or greater; simple monthly interest paid for terms less than 12 months. Early withdrawal penalties apply.
Offer: Compounded daily and credited monthly. Early withdrawal penalty equals three months interest on the amount withdrawn.
3.78% interest rate · Compounded daily · Balance cap $500,000 · Effective Oct 4, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - Jersey Central Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · 1 branch
3.20%APY$1,706 over 60 months on $10,000Requirements
Product: Available to Jersey Central FCU members only. Requires maintaining a Share Savings account to establish membership. Penalty assessed for early withdrawal before maturity. Upon maturity, funds are deposited into Share Savings unless otherwise specified.
Offer: APY assumes all dividends are reinvested for the term of the certificate. Early withdrawal fees may reduce yields.
3.15% interest rate
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Cranford, NJ
122 CDs at 5 banks and credit unions · checked Oct 16–22
- Typical
- 0.65%
- Top 10% from
- 3.64%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.10%
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New York, NY-NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union · 1 branch
- BTG Pactual Bank, National AssociationBank · 1 branch
- USALLIANCE FinancialCredit union · 3 branches