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Best CD rates in West Orange, NJ
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Essex County, NJ · Showing Essex County, NJ: too few institutions in West Orange, NJ
- 5.00%APY$164 over 4 months on $10,000intro rate
Requirements
Product: Offer valid for new money only. Maximum deposit $50,000. Limit one promotional account per customer/SSN/Tax ID Number. Interest rate is fixed for the 4-month term. Early withdrawal penalty will apply. At maturity, the certificate renews at a standard CD term unless funds are withdrawn within the 10-day grace period.
Offer: Offer valid for new money only (funds not currently on deposit with Liberty Bank of New Jersey). Minimum deposit and balance of $1,000 required to earn stated APY; maximum deposit $50,000. Limit one promotional account per customer/SSN/Tax ID Number. Interest rate fixed for 4 months. Early withdrawal penalty applies.
Promotional rate · Balance cap $50,000 · Effective Oct 9, 2026
Rate checked
More details - 4.50%APY$643 over 17 months on $10,000
Requirements
Product: Minimum balance to open certificate and obtain stated APY is $1,000.00. CD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice.
Offer: CD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice.
4.40% interest rate · Effective Sep 21, 2026
Rate checked
More details - 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 - 4.30%APY$430 over 1 year on $10,000intro rate
Requirements
Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.
Promotional rate · Balance cap $10,000,000 · 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
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More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 14 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 - 4.25%APY$461 over 13 months on $10,000
Requirements
Product: $500 minimum deposit required unless otherwise noted. For terms less than one year, interest is paid upon maturity (simple interest); for terms one year or greater, interest is paid monthly (compound interest). Early withdrawal penalties: 90 days dividends lost for terms under one year; 180 days dividends lost for terms of one year or longer. Promotional rates can be discontinued without notice. Fees could reduce earnings.
Offer: Interest is paid monthly (compound interest). Early withdrawal penalty: 180 days of dividends earned.
4.17% interest rate
Rate checked
More details - Proponent Federal Credit UnionShare CertificatesCD · 24 months · $500 min · 4.20%–4.30% by balance
Credit union · 1 branch
4.25%APY$868 over 24 months on $10,000Requirements
Product: Membership eligibility required. Penalties apply for early withdrawals from certificate accounts. Fees may reduce earnings. Dividends are compounded daily and credited monthly. Funds insured by NCUA up to $250,000 per depositor.
4.12% interest rate · Compounded daily · Effective Oct 22, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $10,000 4.20% $10,000 – $25,000Your amount 4.25% $25,000 and up 4.30% Rate checked
More details - 4.25%APY$868 over 24 months on $10,000
Requirements
Product: Available online and in-branch. Early withdrawal penalties apply if funds are withdrawn before maturity date.
Offer: Interest Compounded Daily | Posted Monthly
4.16% interest rate · Compounded daily
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More details - 4.20%APY$2,284 over 60 months on $10,000
Requirements
Product: Penalty may be applied for early withdrawal.
4.06% interest rate · Effective Oct 2, 2026
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More details - 4.15%APY$847 over 24 months on $10,000intro rate
Requirements
Product: Available only to residents of the NY Metro area (New York, New Jersey, Connecticut, and Pennsylvania). New money only; initial deposit cannot be from an existing Haven Savings Bank account. Penalty for early withdrawal. Maximum deposit $250,000.
Offer: New money only. Compounding method: Continuous. Limited time offer. Penalty for early withdrawal.
Promotional rate · 4.07% interest rate · Balance cap $250,000 · Effective Sep 9, 2026
Rate checked
More details - 4.15%APY$884 over 25 months on $10,000
Requirements
Product: Minimum opening deposit of $1,000. Interest compounded daily and credited monthly, quarterly, semi-annually, annually, or at maturity. Early withdrawal penalty applies. Automatic renewal at maturity with 10-calendar-day grace period. Advertised rates do not apply to Popular Private Client or International Private Banking customers.
4.07% interest rate · Compounded daily · Effective Sep 29, 2026
Rate by balance
Rate by balance for Popular CD Balance APY $1,000 – $25,000Your amount 4.15% $25,000 – $100,000 4.25% $100,000 – $250,000 4.35% $250,000 – $1,000,000 4.35% $1,000,000 and up 4.35% 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 - American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min
Credit union · 1 branch
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.
Offer: Option 1 (2-rung ladder: 30 and 60 months). All certificates in ladder established with equal amounts.
4.00% interest rate · Effective Oct 1, 2024
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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 Essex County, NJ
441 CDs at 34 banks and credit unions · checked Oct 16–22
- Typical
- 2.75%
- Top 10% from
- 4.00%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.23%
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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