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 166–180 results in New Jersey
- 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Minimum deposit and balance of $500 required to obtain APY. Early withdrawal penalty may be imposed. Automatically renews at maturity.
Offer: Minimum deposit and balance of $500 required to obtain APY. Early withdrawal penalty may apply. Auto-renews at maturity.
2.96% interest rate · Effective Jun 9, 2026
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 60-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Not listed on the main CD rates landing page.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - United Teletech FinancialTerm Share Certificate AccountsCD · 60 months · $500 min · 3.00%–3.50% by balance
Credit union · 6 branches
3.00%APY$1,593 over 60 months on $10,000Requirements
Product: Fixed rate share certificate. Minimum opening deposit $500.00. Dividends compounded monthly and credited monthly.
2.96% interest rate · Compounded monthly · Effective Aug 7, 2026
Rate by balance
Rate by balance for Term Share Certificate Accounts Balance APY $500 – $25,000Your amount 3.00% $25,000 – $50,000 3.25% $50,000 – $75,000 3.25% $75,000 – $100,000 3.25% $100,000 and up 3.50% Rate checked
More details - 2.99%APY$299 over 1 year on $10,000
Requirements
Product: 6 month to 1year term certificates. minimum deposit is $1,000. You will not be able to make additional deposits to an existing account. We may impose a penalty if you withdraw from your account before the maturity date. RATE VARIES BASED ON CREDIT SCORE. RATES SUBJECT TO CHANGE WITHOUT NOTICE.
Rate checked
More details - Atlantic City Electric Company Employees FCUShare CertificateCD · 6 months · $500 min
Credit union · 1 branch
2.80%APY$139 over 6 months on $10,000Requirements
Product: Minimum deposit of $500.00. Rates subject to change without prior notice.
2.80% interest rate · Effective Oct 1, 2026
Rate checked
More details - Energy People FCUShare CertificateCD · 12 months · $1,000 min · 2.28%–4.34% by balance
Credit union · 3 branches
2.79%APY$279 over 1 year on $10,000Requirements
Product: Dividends compounded daily and credited monthly. Early withdrawal penalty applies. Minimum balance to open and obtain APY is $1,000.00. Automatically renewable at maturity.
2.25% interest rate · Compounded daily
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $4,999 2.28%* $5,000 – $24,999Your amount 2.79%* $25,000 – $50,000 3.05%* $50,000 – $75,00012 Month Jumbo CD Specials 3.56%* $75,000 – $100,00012 Month Jumbo CD Specials 3.82%* $100,000 – $200,00012 Month Jumbo CD Specials 4.08%* $200,000 and up12 Month Jumbo CD Specials ($200,000.00 over) 4.34%* Rate checked
More details - Raritan Bay Federal Credit UnionShare Certificates (CDs)CD · 6 months · $1,000 min
Credit union · 1 branch
2.75%APY$137 over 6 months on $10,000Requirements
Product: Minimum balance of $1,000 required to open and earn dividends. No setup or maintenance fees. Early withdrawal subject to penalty.
Effective Sep 28, 2026
Rate checked
More details - 2.68%APY
2.65% interest rate
Rate checked
More details - Bay Atlantic Federal Credit UnionShare CertificateCD · 60 months · $2,500 min
Credit union · 2 branches
2.53%APY$1,331 over 60 months on $10,000Requirements
Product: Must be a Bay Atlantic FCU member with a current share savings account. Early withdrawal penalties apply.
Offer: Compounded monthly.
2.50% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Peoples Security Bank & TrustRelationship Certificates of DepositCD · 6 months · $1,000 min · 2.50%–3.30% by balance
Bank · 1 branch
2.50%APY$124 over 6 months on $10,000with conditionsRequirements
Product: Primary account holder must have at least one active consumer checking account with direct deposit, online banking, and a debit card. Minimum to open $1,000. APYs and interest rates accurate as of 2026-09-17.
Offer: Relationship CD: active consumer checking with direct deposit, online banking, and debit card.
Qualified rate · 2.48% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Relationship Certificates of Deposit Balance APY Up to $50,000Your amount 2.50% $50,000 – $100,000 2.95% $100,000 – $250,000 3.10% $250,000 – $1,000,000 3.30% Rate checked
More details - 2.50%APY$124 over 6 months on $10,000with conditions
Requirements
Product: The interest rate and annual percentage yield on Certificates of Deposit, except for 18 month (variable) and Jumbo, assumes that you maintain a checking account with us.
Qualified rate · 2.47% interest rate · Effective Oct 4, 2026
Rate checked
More details - 2.50%APY$208 over 10 months on $10,000
Requirements
Product: Minimum balance to open an account and earn interest is $500. Annual Percentage Yields (APYs) are subject to change without notice. Bank policy requires a substantial penalty for early withdrawal.
2.47% interest rate · Effective Oct 2, 2026
Rate checked
More details - 2.50%APY$250 over 1 year on $10,000
Requirements
Product: Membership is open to employees of the United States Postal Service or Middlesex County, NJ, and immediate family of current members.
Effective Jan 1, 2026
Rate checked
More details - IRCO Credit UnionShare Certificate of Deposit AccountsCD · 24 months · $500 min
Credit union · 1 branch
2.35%APY$476 over 24 months on $10,000Requirements
Product: Automatically renewed at current rate upon maturity unless notified otherwise. Early withdrawal penalty applies. Dividends payable directly to share accounts or added back to certificate.
Offer: Penalty for early withdrawal. Fees may reduce earnings.
2.35% interest rate · Effective Oct 2, 2026
Rate checked
More details - 2.27%APY$697 over 36 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.
2.25% interest rate · Effective Sep 10, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
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