Compare Bank & Credit Union Rates
Best CD rates in New Jersey
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 76–90 results in New Jersey
- 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 - Monroe Savings Bank (Williamstown, NJ)Certificates of Deposit (CDs)CD · 24 months · $500 min
Bank · 2 branches
4.00%APY$816 over 24 months on $10,000Requirements
Product: The account will automatically renew at maturity. 10 calendar days grace period from maturity date to withdraw funds without penalty. Early withdrawal penalty applies and may reduce earnings.
Offer: Early withdrawal penalty: 6 Months Interest. Fixed rate account.
3.92% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.00%APY$816 over 24 months on $10,000
Requirements
Product: Interest calculated using the daily balance method. Maximum deposit to open online is $250,000.00; larger deposits must be established at a branch. Automatically renews at maturity with a 7-day grace period. Early withdrawal penalty equals 3 months of interest for terms less than 12 months, or 6 months of interest for terms greater than 12 months. Interest can remain for compounding or be withdrawn by check if a $5,000 balance is maintained.
Offer: Term is 2 years. Interest compounded continuously and credited monthly.
Effective Oct 4, 2026
Rate checked
More details - 4.00%APY$851 over 25 months on $10,000
Requirements
Product: Select a term from 3 to 60 months. Interest is compounded and credited monthly, and may be withdrawn before maturity. Fixed rate.
Offer: This account is for consumers only with a $250,000.00 deposit limit.
3.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - American Heritage Credit UnionBump-Up CertificatesCD · 47 months · $1,000 min
Credit union · 5 branches
4.00%APY$1,660 over 47 months on $10,000intro rateRequirements
Product: Allows a one-time dividend rate increase during the certificate term to correspond with 47-month or 59-month fixed-rate certificate rates. The new rate remains in effect until the certificate maturity date. Early withdrawal penalty may apply.
Offer: Option to increase dividend rate one time during the term. Listed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply.
Promotional rate · 3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - Mercer County NJ Teachers' Federal Credit UnionTerm Savings CertificatesCD · 3 months · $1,000 min
Credit union · 1 branch
3.96%APY$98 over 3 months on $10,000Requirements
Product: Penalty for early withdrawal. All rates subject to change without notice.
3.90% interest rate
Rate checked
More details - 3.95%APY$295 over 9 months on $10,000
Requirements
Product: Rates shown for ZIP code 17061 (Central PA). Annual Percentage Yields (APY) based on semi-annual compounding. Substantial penalty for early withdrawal. $500 minimum balance, $50,000 maximum balance when opening online (visit a branch for amounts over $50,000). Terms from 60 months to 10 years available when opened in a financial center. Automatically renews upon maturity.
Offer: APY based on semi-annual compounding. Substantial penalty for early withdrawal.
3.91% interest rate · Effective Oct 2, 2026
Rate checked
More details - Harrison Police & Firemen's Federal Credit Union9 Month CertificateCD · 9 months
Credit union · 1 branch
3.91%APY$292 over 9 months on $10,0003.85% interest rate · Effective Oct 4, 2026
Rate checked
More details - 3.90%APY$291 over 9 months on $10,000intro rate
Requirements
Product: This offer is for new money ONLY. Minimum deposit of new money required to earn advertised APY up to a maximum of $250,000. Assumes interest remains on deposit to maturity. Penalties for early withdrawal apply. Offer may be withdrawn at any time.
Offer: New money only. Maximum $250,000 for advertised APY.
Promotional rate · 3.84% interest rate · Balance cap $250,000 · Effective Oct 22, 2026
Rate checked
More details - 3.85%APY$95 over 3 months on $10,000
Requirements
Product: Available In Branch and Online. Automatically renews at maturity.
Offer: Fixed rate for 3 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.78% interest rate · Effective Sep 25, 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 - 3.85%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 - East Orange VAH FCUShare CertificateCD · 14 months · $2,500 min · 3.82%–4.03% by balance
Credit union · 1 branch
3.82%APY$447 over 14 months on $10,000Requirements
Product: Dividends are calculated on the daily average balance and are paid the last day of each quarter. Minimum amount $2,500.00.
3.75% interest rate · Effective Oct 1, 2024
Rate by balance
Rate by balance for Share Certificate Balance APY $2,500 – $50,000Your amount 3.82%* $50,000 – $100,000 3.92%* $100,000 and up 4.03%* Rate checked
More details - 3.82%APY$578 over 18 months on $10,000
Effective Oct 22, 2026
Rate checked
More details - Harrison Police & Firemen's Federal Credit Union6 Month CertifcateCD · 6 months
Credit union · 1 branch
3.80%APY$188 over 6 months on $10,0003.75% interest rate · Effective Oct 4, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in New Jersey
1,370 CDs at 141 banks and credit unions · checked Oct 16–22
- Typical
- 2.80%
- Top 10% from
- 4.00%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.04%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
New Jersey
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altra Federal Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 1 branch
- Bridgeton Onized Federal Credit UnionCredit union · 2 branches