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 91–105 results in New Jersey
- 3.80%APY$188 over 6 months on $10,000
Requirements
Product: Available In Branch and Online. Automatically renews at maturity.
Offer: Fixed rate for 6 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.74% interest rate · Effective Sep 25, 2026
Rate checked
More details - 3.80%APY$316 over 10 months on $10,000
Requirements
Product: All interest rates are subject to change without notice. Penalties for early withdrawal may reduce earnings. To open a CD please visit your local branch.
Offer: 10 Month CD. Initial opening balance / minimum balance to obtain APY is $500.
3.68% interest rate · Effective Sep 18, 2026
Rate checked
More details - Ukrainian National Federal Credit UnionShare CertificatesCD · 15 months · $5,000 min
Credit union · 2 branches
3.80%APY$477 over 15 months on $10,000Requirements
Product: Dividends on 3-month and 6-month share certificates are accrued daily and credited at maturity. Dividends on share certificates termed 12 months or longer are accrued daily and credited quarterly. Additions not permitted until maturity. Early withdrawal penalty applies (50% of dividend that would be earned over term on amount withdrawn). Membership eligibility required.
Offer: Special offer; new funds only. Dividends accrued daily and credited quarterly.
3.75% interest rate · Effective Aug 11, 2026
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More details - 3.76%APY$186 over 6 months on $10,000
3.70% interest rate · Effective Sep 18, 2025
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More details - 3.75%APY$92 over 3 months on $10,000
Requirements
Product: Subject to penalty for early withdrawal. Rates are subject to change at any time.
3.68% interest rate · Effective Dec 17, 2025
Rate checked
More details - 3.75%APY$93 over 3.033333333333333 months on $10,000
Requirements
Product: Passbook format. Penalty for early withdrawal will reduce earnings and APY. Compounded daily interest.
Offer: Term: 91 Days. Interest credited at End of Term.
3.68% interest rate · Compounded daily · Effective Sep 19, 2025
Rate checked
More details - 3.75%APY$123 over 4 months on $10,000intro rate
Requirements
Product: ConnectOne Bank opens CDs as Time Deposits. IRA Time Deposits are not available online. Promotional rates subject to change without notice. Early withdrawal penalties may be imposed.
Offer: 4 Month Penalty-Free CD. No early withdrawal penalties imposed unless funds are withdrawn within 7 days of account opening (forfeits earned interest). Promotional rate.
Promotional rate · 3.68% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Available online in states where Woori America Bank branches are located (NY, NJ, PA, MD, VA, GA, TX, CA). Pays simple interest credited at maturity (interest is not compounded). Automatically renews at maturity. Penalty will or may be imposed for early withdrawal.
Offer: Fixed interest rate applied until maturity. Pays simple interest credited at maturity. No monthly maintenance fee.
Effective Mar 27, 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: $2,500 minimum deposit of new funds required (funds not currently on deposit at Firstrust Bank or through Firstrust Financial Resources). Maximum deposit $500,000. Available in PA/NJ/DE only. Penalty for early withdrawal. Seven calendar day grace period at maturity.
Offer: 7-Month Touchdown CD initial APY. APY increases in basis points by the number of points the Eagles score in the first game played after opening and funding (1 bp = 0.01%). $2,500 minimum deposit of new funds required.
Promotional rate · Balance cap $500,000 · Effective Sep 1, 2026
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 - 3.75%APY$280 over 9 months on $10,000
Requirements
Product: Available In Branch and Online. Automatically renews at maturity.
Offer: Fixed rate for 9 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.69% interest rate · Effective Sep 25, 2026
Rate checked
More details - Andrews Federal Credit UnionJumbo Fixed Rate Share CertificatesCD · 12 months · $10,000 min
Credit union · 3 branches
3.75%APY$375 over 1 year on $10,000Requirements
Product: Must open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Must fund within 10 days of opening online. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
Offer: Must open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply.
3.70% interest rate
Rate checked
More details - Andrews Federal Credit UnionFixed Rate Share CertificatesCD · 12 months · $1,000 min
Credit union · 3 branches
3.70%APY$370 over 1 year on $10,000Requirements
Product: Must open and maintain a minimum $1,000 balance to earn advertised APY. Must fund within 10 days of opening online. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
Offer: Must open and maintain a minimum $1,000 balance to earn advertised APY. Early withdrawal penalties apply.
3.65% interest rate
Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: Available only to residents of the NY Metro area (New York, New Jersey, Connecticut, and Pennsylvania). Interest is compounded continuously and credited monthly. Penalty for early withdrawal of principal. Fees may reduce earnings. 7 calendar days grace period from maturity date.
Offer: Interest is compounded continuously. Penalty for early withdrawal.
3.63% interest rate · Effective Jun 30, 2026
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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 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%
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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