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 181–195 results in New Jersey
- 2.25%APY$690 over 36 months on $10,000
Requirements
Product: No annual maintenance fee, no monthly service charge, no below minimum balance fee, no per check charge. Minimum deposit of $250. Insured up to $250,000 by NCUA. Early withdrawal subject to 90 days interest penalty.
Effective Jul 2, 2025
Rate checked
More details - 2.00%APY$101 over 6.066666666666666 months on $10,000
1.98% interest rate
Rate checked
More details - Bogota Savings Bank17-Month Tiered Certificate of DepositCD · 17 months · $1,000 min
Bank · 7 branches
2.00%APY$285 over 17 months on $10,000Requirements
Product: Available online and in-branch. Early withdrawal penalties apply if funds are withdrawn before maturity date.
Offer: Interest Compounded Daily | Posted Monthly
1.98% interest rate · Compounded daily
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More details - 2.00%APY$404 over 24 months on $10,000intro rate
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity to Regular 24 Month CD.
Offer: Fixed rate paid for 2 years. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
Promotional rate · 1.98% interest rate · Effective Sep 17, 2026
Rate checked
More details - Central Jersey Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · 1 branch
2.00%APY$1,041 over 60 months on $10,000intro rateRequirements
Product: Rates stated are available to CJFCU Members only. Early withdrawal penalty applies. At the end of the certificate term, Share certificates will be deposited into the Master Savings account. May be used as collateral for loans.
Offer: Paid disclosed rate until first maturity. Penalty will be imposed for early withdrawal.
Promotional rate · 2.00% interest rate
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 195 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.76%APY$723 over 48 months on $10,000
Requirements
Product: The APY is based on the assumption that all principle dividends will remain in the account until maturity; withdrawals will reduce earnings and early withdrawal penalties apply to certificate accounts. Early withdrawal penalties for terms up to 12 months is forfeiture of 90 days worth of dividends, and terms over 12 months is forfeiture of 180 days worth of dividends. Minimum $500 Deposit.
1.75% interest rate
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More details - Peoples Security Bank & TrustCertificates of DepositCD · 9 months · $1,000 min · 1.75%–2.90% by balance
Bank · 1 branch
1.75%APY$131 over 9 months on $10,000Requirements
Product: Fixed-rate consumer CDs; terms from 3 to 60 months. Minimum to open $1,000. APYs and interest rates accurate as of 2026-10-05. Maintain a minimum daily balance of $0.01 to obtain the disclosed APY. Interest compounded and credited quarterly on Pick Your Term specials; standard compounding not fully specified for these tiers.
1.74% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $50,000Your amount 1.75% $50,000 – $100,000 1.95% $100,000 – $250,000 2.70% $250,000 – $1,000,000 2.90% Rate checked
More details - 1.75%APY$264 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.
1.74% interest rate · Effective Sep 17, 2026
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More details - Hamilton Horizons Federal Credit UnionRegular Share CertificatesCD · 60 months
Credit union · 1 branch
1.51%APY$778 over 60 months on $10,0001.50% interest rate · Effective Sep 16, 2026
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More details - 1.50%APY$37 over 3 months on $10,000
Requirements
Product: Open with as little as $500. Flexible terms from 3 months to 60 months. Interest compounded daily and posted monthly, annually, or at maturity. Early withdrawal penalty may apply. Automatic renewal option. Available for all personal categories.
1.49% interest rate · Compounded daily
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More details - 1.45%APY$145 over 1 year on $10,000
Requirements
Product: Membership is required: open to individuals who live, work, worship, or attend school in Somerset County, or belong to a specific group or organization.
Offer: Penalties may apply for early withdrawals.
1.45% interest rate · Effective Jun 1, 2026
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More details - 1.00%APY$303 over 36 months on $10,000
1.00% interest rate · Effective Oct 4, 2026
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More details - 0.95%APY$119 over 15 months on $10,000intro rate
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 15 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
Promotional rate · 0.95% interest rate · Effective Sep 17, 2026
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More details - 0.95%APY$288 over 36 months on $10,000intro rate
Requirements
Product: $2,500 minimum deposit required to open and earn APY. New money only. You may withdraw up to 50% of your total deposit once during the lifetime of the CD, penalty free, except within 6 days after the date deposit. Penalties for each additional withdrawal will be incurred.
Offer: $2,500 minimum deposit required to open and earn APY. New money only. You may withdraw up to 50% of your total deposit once during the lifetime of the CD, penalty free, except within 6 days after the date deposit. Penalties for each additional withdrawal will be incurred.
Promotional rate · 0.95% interest rate · Effective Oct 4, 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 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