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 196–210 results in New Jersey
- 0.90%APY$227 over 30 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 30 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
0.90% interest rate · Effective Sep 17, 2026
Rate checked
More details - Andrews Federal Credit UnionGenerator Share CertificateCD · 36 months · $50 min
Credit union · 3 branches
0.75%APY$227 over 36 months on $10,000Requirements
Product: Unlimited deposits: add funds anytime during term in branch, via automatic direct deposits, and online (transfers from another share). Minimum $50 deposit to open and maintain balance to earn advertised APY. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
Offer: Must open and maintain a minimum $50 balance to earn advertised APY. Unlimited deposits allowed anytime during term. Early withdrawal penalties apply.
0.75% interest rate
Rate checked
More details - 0.55%APY$278 over 60 months on $10,000
Requirements
Product: Penalties for early redemption: 3 months, 6 months, 1 year - 30 days interest penalty. 1.5 years and over - 90 days interest penalty. Rates are subject to change without notice.
Offer: Early redemption penalty: 90 days interest penalty.
0.55% interest rate
Rate checked
More details - Union Building Trades Federal Credit UnionTerm Share DepositCD · 60 months · $1,000 min
Credit union · 1 branch
0.55%APY$278 over 60 months on $10,000Requirements
Product: Fixed-rate, closed-end time deposits. Minimum balance of $1,000. Terms from 3 months to 5 years.
Effective Apr 23, 2025
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More details - 0.50%APY$100 over 24 months on $10,000
Requirements
Offer: Compounded monthly
0.50% interest rate · Compounded monthly · Effective Jul 1, 2024
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More details - 0.50%APY$151 over 36 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 36 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
0.50% interest rate · Effective Sep 17, 2026
Rate checked
More details - 0.50%APY$202 over 48 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 48 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
0.50% interest rate · Effective Sep 17, 2026
Rate checked
More details - 0.50%APY$253 over 60 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 60 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
0.50% interest rate · Effective Sep 17, 2026
Rate checked
More details - 0.50%APY$355 over 84 months on $10,000
Requirements
Product: Fees could reduce earnings. Penalties for early withdrawal on CDs may apply.
0.50% interest rate
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More details - 0.40%APY$161 over 48 months on $10,000
Requirements
Product: There is a penalty for early withdrawal for Certificates of Deposits (CD's) before maturity. APY assumes interest stays on deposit. Withdrawal of interest reduces earnings. Fees could reduce earnings.
0.40% interest rate · Effective Sep 10, 2026
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More details - 0.40%APY$283 over 84 months on $10,000
Requirements
Product: Deposit as little as $1,000 and lock the rate in for the full term of the investment. Accounts automatically renew at maturity with a 10 calendar day grace period to withdraw funds without penalty. Penalty imposed for early withdrawal. Rates subject to change daily.
0.40% interest rate
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More details - 0.30%APY$30 over 1 year on $10,000
Requirements
Product: Term Certificates dividends are paid at maturity. Early withdrawal penalty applies.
Effective Jan 1, 2022
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More details - Lakehurst Naval Federal Credit UnionEasy Save CertificateCD · 12 months · $250 min
Credit union · 1 branch
0.25%APY$25 over 1 year on $10,000Requirements
Product: Allows deposits to the certificate whenever desired during the term. Dividends are earned daily and posted quarterly.
Offer: Allows deposits to the certificate whenever desired during the term. Dividends earned daily and posted quarterly.
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More details - Union Building Trades Federal Credit UnionEasy Access Share CertificateCD · 12 months
Credit union · 1 branch
0.25%APY$25 over 1 year on $10,000Effective Apr 23, 2025
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More details - First Financial Federal Credit UnionSavings CertificatesCD · 36 months · $10,000 min
Credit union · 4 branches
0.25%APY$75 over 36 months on $10,000Requirements
Product: Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal before maturity. Automatically renews at maturity. Credit union membership requires a $5 base savings deposit. Memberships are part of Rewards First program ($5/mo non-participation fee on base savings if requirements not met).
0.25% interest rate · Effective Oct 1, 2026
Rate checked
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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 16–23
- 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