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 136–150 results in New Jersey
- 3.45%APY$1,071 over 36 months on $10,000
3.40% interest rate · Effective Sep 18, 2025
Rate checked
More details - 3.40%APY$254 over 9 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.
3.35% interest rate · Effective Sep 10, 2026
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More details - 3.40%APY$692 over 24 months on $10,000
Requirements
Offer: Frequency of Crediting Interest: Monthly
3.34% interest rate · Effective Sep 26, 2026
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More details - 3.35%APY$250 over 9 months on $10,000
Requirements
Product: Standard Certificate of Deposit. 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. Preferred Pricing rate bonus may be available with qualifying relationship checking account.
Offer: 9 Month No Penalty CD: Funds must remain on deposit at least seven days after which a full withdrawal is allowed without penalty. 9 Month No Penalty CD is not available as an IRA account.
3.30% interest rate
Rate checked
More details - New Jersey Community FCUCD (Certificate of Deposit) – Share CertificatesCD · 60 months · $1,000 min · 3.30%–3.56% by balance
Credit union · 1 branch
3.30%APY$1,764 over 60 months on $10,000Requirements
Product: Minimum opening deposit is $1,000.00. Dividends compounded and credited monthly. Average daily balance method used to calculate dividends. Early withdrawal penalty of 90 days dividends applies. 10 business day grace period at maturity. Automatic renewal.
Offer: Rollover / New Balances $1,000 – $19,999.99
3.25% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for CD (Certificate of Deposit) – Share Certificates Balance APY $1,000 – $20,000Your amount 3.30% $50,000 and up 3.56% Rate checked
More details - 3.30%APY$164 over 6 months on $10,000
3.25% interest rate · Effective Jan 13, 2026
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000intro rate
Requirements
Product: Available to residents of California, New Jersey, New York, Texas, Nevada, Washington and Arizona. Must be opened online. Subject to early withdrawal penalty. Additional deposits cannot be made during the term.
Offer: Must be opened online. Interest is compounded daily and credited monthly.
Promotional rate · 3.25% interest rate · Compounded daily
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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 - 3.30%APY$330 over 1 year on $10,000
Requirements
Offer: Rate is subject to change based on credit history and other factors
Rate checked
More details - 3.30%APY$414 over 15 months on $10,000
Requirements
Product: An early withdrawal penalty may apply. Rates subject to change without notice. Simple: 365 / 365 interest calculation.
Offer: Monthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply.
3.25% interest rate · Effective Oct 5, 2026
Rate checked
More details - PFFCU – Police & Fire Federal Credit UnionCertificatesCD · 60 months · $1,000 min
Credit union · 3 branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: Yields assume that all dividends are compounded. Penalties apply for early withdrawals. Available to PFFCU members; minimum balance of $1,000 to open.
Offer: Early withdrawal penalty: forfeiture of 360 days dividends.
3.25% interest rate · Balance cap $49,999 · Effective Oct 6, 2026
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More details - Members 1st of NJ Federal Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · 3 branches
3.30%APY$1,763 over 60 months on $10,0003.25% interest rate
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More details - 3.29%APY$81 over 3 months on $10,000
Requirements
Product: Available for those who live in or near the tri-county servicing area (Cumberland, Salem, and Gloucester counties). After certificate is opened, deposits or withdrawals other than earnings are not allowed until maturity. Early withdrawal penalty applies.
Offer: 91 Day term. APY shown assumes quarterly compounding. Interest at maturity or optional monthly check or transfer.
3.25% interest rate · Effective Oct 4, 2026
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More details - 3.29%APY$1,757 over 60 months on $10,000
Requirements
Product: Deposit up to $10,000 for a set period of time with interest deposited quarterly.
3.25% interest rate
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More details - Bridgeton Onized Federal Credit UnionRegular Share Certificate of DepositCD · 60 months · $1,000 min
Credit union · 2 branches
3.28%APY$1,751 over 60 months on $10,000Requirements
Product: Secured by NCUSIF. Can open with as little as $1,000. Terms from six months to five years. Membership eligibility required.
Effective Oct 1, 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 16–23
- 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