Skip to content

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.

Term
Location

Top CD rates

Showing 16–30 results in New Jersey

  1. Top Carrot, Carrot Score 95
    Affinity Federal Credit Union14-Month Promotional CertificateCD · 14 months · $500 min · 4.35%–4.45% by balance

    Credit union · 16 branches

    4.35%APY$509 over 14 months on $10,000intro rate
  2. United Teletech Financial4.35% APY Certificate Special for 15 Months - $10,000 New Money PromotionCD · 15 months · $10,000 min

    Credit union · 6 branches

    4.35%APY$547 over 15 months on $10,000intro rate
  3. Merck Employees Federal Credit UnionShare CertificateCD · 18 months · $10,000 min

    Credit union · 2 branches

    4.35%APY$660 over 18 months on $10,000
  4. Top Carrot, Carrot Score 95
    Affinity Federal Credit Union22-Month Promotional CertificateCD · 22 months · $500 min · 4.35%–4.45% by balance

    Credit union · 16 branches

    4.35%APY$812 over 22 months on $10,000intro rate
  5. The Bank of Princeton12-Month 4.25% Cranbury CD PromotionCD · 12 months

    Bank · 29 branches

    4.34%APY$434 over 1 year on $10,000intro rate
  6. Top Carrot, Carrot Score 89
    Flagstar BankCertificates of Deposit (CD)CD · 12 months · $500 min

    Bank · 30 branches

    4.30%APY$430 over 1 year on $10,000intro rate
  7. Top Carrot, Carrot Score 89
    B-M S Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min

    Credit union · 3 branches

    4.28%APY$2,331 over 60 months on $10,000
  8. Top Carrot, Carrot Score 88
    WSFS BankFixed Rate CDCD · 7 months · $2,500 min

    Bank · 11 branches

    4.25%APY$246 over 7 months on $10,000
  9. Top Carrot, Carrot Score 88
    Lakehurst Naval Federal Credit UnionCertificateCD · 9 months · $1,000 min

    Credit union · 1 branch

    4.25%APY$317 over 9 months on $10,000
  10. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 195 branches

    4.25%APY$389 over 11 months on $10,000with conditions
  11. Top Carrot, Carrot Score 89
    CitiCertificate of DepositCD · 12 months · $500 min

    Bank · 8 branches

    4.25%APY$425 over 1 year on $10,000
  12. First Commonwealth Federal Credit UnionCertificateCD · 12 months · $500 min

    Credit union · 1 branch

    4.25%APY$425 over 1 year on $10,000
  13. Top Carrot, Carrot Score 87
    NEW MILLENNIUM BANKCertificates of DepositCD · 12 months · $500 min

    Bank · 5 branches

    4.25%APY$425 over 1 year on $10,000
  14. PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance

    Bank · 174 branches

    4.25%APY$461 over 13 months on $10,000intro rate
  15. Top Carrot, Carrot Score 87
    Ponce Bank13-month CD Inwood Branch SpecialCD · 13 months · $1,000 min

    Bank · 1 branch

    4.25%APY$461 over 13 months on $10,000intro rate

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 16–22

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.

Suggestions appear after two characters. Use arrow keys and Enter to choose an institution, or submit to see all matches.

New Jersey

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Altra Federal Credit UnionCredit union · 1 branch
  2. PenFed Credit UnionCredit union · 1 branch
  3. Bridgeton Onized Federal Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate