Compare Bank & Credit Union Rates
Best CD rates in Jersey City, NJ
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Jersey City, NJ
- 4.40%APY$403 over 11 months on $10,000
Requirements
Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).
4.31% interest rate · Balance cap $1,000,000 · Effective Oct 16, 2026
Rate checked
More details - 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 - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 3 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.10%APY$203 over 6 months on $10,000intro rate
Requirements
Product: Limited-time promotional Certificate of Deposit. New money deposit only. APY is fixed for the 6-month term. Early withdrawal penalties may apply.
Offer: Limited-time promotional rate. New money deposit only. $500 minimum to open and to obtain the advertised APY.
Promotional rate · Effective Oct 22, 2026
Rate checked
More details - 4.05%APY$405 over 1 year on $10,000intro rate
Requirements
Product: Minimum balance to open account and obtain the APY is $500. Rates are subject to change without notice. Fees may reduce earnings. Early withdrawals are subject to penalties. Dividends compounded monthly, credited monthly. Choose from a wide range of terms, from 3 months to 5 years. Membership eligibility required. Special promotional certificate products (7-Month, 12-Month, 18-Month) are not eligible for IRA certificates.
Offer: Upon maturity, the 12-month certificate will automatically roll into a 12-month Share Certificate at the prevailing rate unless alternate instructions are provided. Membership eligibility required. Not eligible for IRA certificates.
Promotional rate · 3.98% interest rate · Compounded monthly · Effective Oct 22, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: Valid for consumers only. Minimum deposit of $10,000 new money to the bank is required to open and obtain APY. New money is defined as funds not on deposit with Fulton Bank at time of account opening. Preferred Pricing rate bonus not available for this account. A penalty will be imposed for early withdrawal.
Offer: Requires $10,000 minimum balance in new money to the bank.
Promotional rate · 3.92% interest rate · Effective May 21, 2026
Rate checked
More details - Liberty Savings Federal Credit UnionCertificate of DepositsCD · 12 months · $500 min · 3.90%–4.00% by balance
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal. Bonus dividend of an additional 0.10% on any single certificate of 2 years or more with a balance of $50,000 or more.
Offer: Minimum deposit $500. Penalty for early withdrawal.
3.83% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificate of Deposits Balance APY $500 and up 3.90% $5,000 and upYour amountMinimum deposit $5,000 combined. 4.00% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Dividends accrue on daily balance. Less than 1 year certificates post dividends at maturity; 1 year or longer certificates compound dividends quarterly. Withdrawal before maturity subject to penalty. Minimum required certificate amount is $500, maximum balance is $1,000,000 per member. Membership requires completing payment of one $5.00 share.
Offer: Dividends accrue on daily balance and compound quarterly. Early withdrawal subject to penalty.
3.94% interest rate · Balance cap $1,000,000 · Effective Oct 6, 2026
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More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$217 over 7 months on $10,000intro rate
Requirements
Product: New money required. $500 minimum balance to obtain APY and to open. Early withdrawal penalty equals 3 months of interest. Automatically renews at maturity to 7 month CD at prevailing rate with a 7-day grace period. Additional deposits of new money permitted.
Offer: Requires new money. Must deposit $500.00 to open and maintain a daily balance of $500.00 each day to obtain disclosed APY. Early withdrawal penalty equals 3 months of interest. Automatically renews at maturity to 7 month CD with a 7-day grace period.
Promotional rate · 3.63% interest rate · Effective Dec 20, 2025
Rate checked
More details - 3.60%APY$391 over 13 months on $10,000with conditions
Requirements
Product: Promotional Certificate of Deposit valid for consumers. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal.
Offer: Eligible for Preferred Pricing rate bonus when primary/secondary owner also owns Relationship Banking, Premier Relationship Banking, or Private Bank Checking account.
Qualified rate · 3.54% interest rate
Rate checked
More details - 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 6-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch. Distinct from the limited-time 6-month promotional CD.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
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More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 12-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
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 Jersey City, NJ
210 CDs at 14 banks and credit unions · checked Oct 16–22
- Typical
- 1.76%
- Top 10% from
- 3.80%
- Banks, typical
- 1.01%
- Credit unions, typical
- 3.13%
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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