Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Trenton, NJ metro
- Altra Federal Credit UnionAltra Thrive CertificatesCD · 30 months · $1,000 min
Credit union · 1 branch
4.75%APY$1,230 over 30 months on $10,000intro rateRequirements
Product: Dividends paid quarterly. 10-month certificate renews to 12-month at maturity; 30-month certificate renews to 24-month at maturity. Early withdrawal penalty applies.
Offer: 30-month certificate special automatically renews to a 24-month certificate upon maturity. Early withdrawal penalty is 180 days of dividends.
Promotional rate · 4.67% interest rate · Effective Oct 1, 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 - 4.47%APY$447 over 1 year on $10,000
Requirements
Product: Dividends are compounded and credited quarterly. Early withdrawal penalty applies (equals 180 days' dividends). CDs are prohibited from additional deposits after opening. Automatically renews on maturity date with a 10-day grace period.
4.38% interest rate · Effective Sep 18, 2026
Rate checked
More details - Affinity Federal Credit Union8-Month Promotional CertificateCD · 8 months · $500 min
Credit union · 1 branch
4.35%APY$288 over 8 months on $10,000intro rateRequirements
Product: Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-25 / 2026-09-30. On maturity, automatically renews to 6-month term.
Offer: Balances of $500 or more. Renewal: 6-month term at prevailing rate.
Promotional rate · 4.26% interest rate · Effective Sep 25, 2026
Rate checked
More details - Affinity Federal Credit Union14-Month Promotional CertificateCD · 14 months · $500 min · 4.35%–4.45% by balance
Credit union · 1 branch
4.35%APY$509 over 14 months on $10,000intro rateRequirements
Product: Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-25 / 2026-09-30. On maturity, automatically renews to 12-month term.
Offer: Balances between $500 and $49,999.99. Renewal: 12-month term at prevailing rate.
Promotional rate · 4.26% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for 14-Month Promotional Certificate Balance APY $500 – $50,000Your amount 4.35% $50,000 – $100,000 4.40% $100,000 and up 4.45% Rate checked
More details - Affinity Federal Credit Union22-Month Promotional CertificateCD · 22 months · $500 min · 4.35%–4.45% by balance
Credit union · 1 branch
4.35%APY$812 over 22 months on $10,000intro rateRequirements
Product: Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-25 / 2026-09-30. On maturity, automatically renews to 24-month term.
Offer: Balances between $500 and $49,999.99. Renewal: 24-month term at prevailing rate.
Promotional rate · 4.26% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for 22-Month Promotional Certificate Balance APY $500 – $50,000Your amount 4.35% $50,000 – $100,000 4.40% $100,000 and up 4.45% Rate checked
More details - 4.34%APY$434 over 1 year on $10,000intro rate
Promotional rate · 4.25% interest rate
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
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More details - 4.28%APY$2,331 over 60 months on $10,000
Requirements
Product: Early withdrawal fee if access to funds needed. $1,000 minimum balance to open account. Transaction limitations apply.
4.20% interest rate · Effective Oct 1, 2026
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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 · 13 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 - Self Reliance Financial Federal Credit UnionCertificateCD · 12 months · $500 min
Credit union · 1 branch
4.24%APY$424 over 1 year on $10,000Requirements
Product: Must be a member of SRFFCU. Rate is fixed for the term. APY assumes dividends remain on deposit until maturity. A minimum balance of $500 is required to open a Certificate and earn the advertised dividend rate. Renewal at maturity at then-current rate. Penalty may be imposed for early withdrawal of principal. Fees may reduce earnings.
Offer: Early withdrawal penalty: 3 month interest (90 days' dividends).
4.15% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.18%APY$312 over 9 months on $10,000with conditions
Requirements
Product: Limited-time offer for new deposit customers, loan-only customers, or employees of OceanFirst Bank. Requires new money not currently on deposit at OceanFirst Bank. Automatically renews for a 9-month term at published non-special rate. Penalty for early withdrawal may apply. Government accounts excluded.
Offer: Promotional APY increase and $250,000 maximum funding amount available if opening a non-interest FreeStyle Checking or Community Business Checking account within 60 days of certificate opening date (employees may open any OceanFirst checking account).
Qualified rate · 4.10% interest rate · Balance cap $250,000
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More details - 4.09%APY$444 over 13 months on $10,000
Requirements
Product: PFCU membership required. Dividends are compounded daily and posted monthly. Early withdrawal penalty is the lesser of 90 days dividends or dividends year-to-date. Fees may reduce earnings.
Offer: 13 Months SPECIAL
4.02% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - 4.08%APY$373 over 11 months on $10,000intro rate
Promotional rate · 4.00% interest rate
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 Trenton, NJ metro
367 CDs at 28 banks and credit unions · checked Oct 16–22
- Typical
- 2.10%
- Top 10% from
- 3.95%
- Banks, typical
- 1.50%
- Credit unions, typical
- 3.04%
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Trenton, NJ metro
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
- HEFCUCredit union · 1 branch