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 16–30 results in Trenton, NJ metro
- New Jersey Law & Public Safety Credit UnionCertificate of DepositCD · 24 months · $1,000 min · 4.00%–4.11% by balance
Credit union · 2 branches
4.06%APY$828 over 24 months on $10,000Requirements
Product: $1,000 minimum balance required. Penalty for early withdrawal. Dividends compounded and credited quarterly. Membership requires purchasing and maintaining at least 1 share ($50.00 par value).
3.95% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $10,000 4.00% $10,000 – $25,000Your amount 4.06% $25,000 and up 4.11% Rate checked
More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: Valid for consumers only. Minimum deposit of $10,000 new money to the bank is required to open and obtain APY. New money is defined as funds not on deposit with Fulton Bank at time of account opening. Preferred Pricing rate bonus not available for this account. A penalty will be imposed for early withdrawal.
Offer: Requires $10,000 minimum balance in new money to the bank.
Promotional rate · 3.92% interest rate · Effective May 21, 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 - 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 - 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 - 3.75%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$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 - 3.70%APY$754 over 24 months on $10,000
Requirements
Product: Available In Branch and Online. Automatically renews at maturity.
Offer: Fixed rate for 24 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.64% interest rate · Effective Sep 25, 2026
Rate checked
More details - 3.60%APY$391 over 13 months on $10,000with conditions
Requirements
Product: Promotional Certificate of Deposit valid for consumers. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal.
Offer: Eligible for Preferred Pricing rate bonus when primary/secondary owner also owns Relationship Banking, Premier Relationship Banking, or Private Bank Checking account.
Qualified rate · 3.54% interest rate
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Online only certificate of deposit account. Minimum balance required to open certificate and obtain stated APY is $1,000.00. Automatically renews at 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.
3.44% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 12 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.45% interest rate · Effective Sep 17, 2026
Rate checked
More details - 3.50%APY$530 over 18 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 18 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.45% interest rate · Effective Sep 17, 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
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