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 Newark, NJ
- American Airlines Federal Credit UnionRegular Share CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,0003.93% interest rate · Effective Oct 1, 2025
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 - 3.75%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 No early withdrawal penalties imposed unless funds are withdrawn within 7 days of account opening (forfeits earned interest).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$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: 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 - Popular BankPopular Private Client Certificate of DepositCD · 6 months · $1,000 min · 3.60%–3.80% by balance
Bank · 1 branch
3.60%APY$178 over 6 months on $10,000Requirements
Product: Exclusive to Popular Private Client customers. Minimum deposit of $1,000 required to open. Early withdrawal penalty applies. Daily compound interest credited monthly, quarterly, semi-annually, annually, or at maturity.
Offer: Must visit a branch location to open a 6-month CD.
3.54% interest rate · Effective May 26, 2026
Rate by balance
Rate by balance for Popular Private Client Certificate of Deposit Balance APY $1,000 – $25,000Your amount 3.60% $25,000 – $100,000 3.65% $100,000 – $250,000 3.70% $250,000 – $1,000,000 3.75% $1,000,000 and up 3.80% Rate checked
More details - 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 6-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch. Distinct from the limited-time 6-month promotional CD.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 12-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.45%APY$522 over 18 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 18-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
Requirements
Product: Designed to be held until maturity. Adding to the certificate or withdrawing funds before the end of the term is not permitted without a penalty.
Offer: Early withdrawal penalty: 90 Days.
3.20% interest rate
Rate checked
More details - North Jersey Federal Credit UnionRegular Term Share CertificatesCD · 18 months · $500 min
Credit union · 2 branches
3.25%APY$491 over 18 months on $10,000Requirements
Product: Membership eligibility applies (living, working, worshiping, attending school, or conducting business in Bergen, Essex, Hudson, Passaic counties or specified municipalities in Morris and Union counties, NJ). Early withdrawal penalties apply (up to 90 days loss of dividends for terms 3-6 months, 180 days for over 12-18 months, 270 days for 24-30 months, and 365 days for 36-60 months). 3 business day grace period after maturity.
Offer: Dividends credited monthly.
3.20% interest rate
Rate checked
More details - 3.25%APY$661 over 24 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 24-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.20%APY$991 over 36 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 36-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 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 Newark, NJ
286 CDs at 20 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.75%
- Credit unions, typical
- 3.19%
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New York, NY-NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union · 1 branch
- BTG Pactual Bank, National AssociationBank · 1 branch
- USALLIANCE FinancialCredit union · 3 branches