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 106–120 results in New Jersey
- Andrews Federal Credit UnionRaise Your Rate Share CertificateCD · 24 months · $1,000 min
Credit union · 3 branches
3.70%APY$754 over 24 months on $10,000Requirements
Product: Offers up to a maximum of 3 opportunities to request a rate raise to the current Fixed Rate Share Certificate rate of the same term. Account must be opened for at least 6 months before first rate raise, and at least 6 months between raises. Minimum $1,000 deposit and balance. Dividends compounded and credited quarterly. Early withdrawal penalties apply.
Offer: Must open and maintain a minimum $1,000 balance to earn advertised APY. Up to 3 rate raises allowed over term (once every 6 months). Early withdrawal penalties apply.
3.65% interest rate
Rate checked
More details - 3.70%APY$754 over 24 months on $10,000
Requirements
Product: Available In Branch and Online. Automatically renews at maturity.
Offer: Fixed rate for 24 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.64% interest rate · Effective Sep 25, 2026
Rate checked
More details - Public Service Federal Credit UnionCertificate AccountCD · 6 months · $1,000 min
Credit union · 1 branch
3.67%APY$182 over 6 months on $10,000Requirements
Product: After opening, additions cannot be made until maturity. Early withdrawal penalty of 90 days' worth of interest may be imposed. Account automatically renews at maturity with a 10 calendar day grace period.
3.60% interest rate · Effective Jun 1, 2024
Rate checked
More details - 3.66%APY$273 over 9 months on $10,000
3.60% interest rate · Effective Sep 18, 2025
Rate checked
More details - 3.66%APY$554 over 18 months on $10,000
Requirements
Product: The minimum balance required to open a Certificate is $500.00. Must open a savings account with a minimum deposit of $5.00 to qualify for membership. Early withdrawal penalties apply.
Offer: Early withdrawal penalty of 90 days' dividends for terms greater than 12 months. Fixed rate, dividends compounded monthly and credited monthly.
3.60% interest rate · Compounded monthly · Effective Jul 1, 2026
Rate checked
More details - Advanced Financial Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 4 branches
3.61%APY$361 over 1 year on $10,000Requirements
Product: Early withdrawal penalty is 90 days' (3 months') dividends. Dividends calculated and posted monthly.
3.55% interest rate · Effective Sep 17, 2026
Rate checked
More details - 3.61%APY$735 over 24 months on $10,000
Requirements
Product: Interest is compounded continuously and credited monthly. To obtain the APY, a minimum balance of $500.00 must be maintained each day. No additional deposits may be made into your account until the maturity date. Early withdrawal penalties may apply.
3.50% interest rate · Effective Sep 30, 2026
Rate checked
More details - 3.61%APY$1,123 over 36 months on $10,000
Requirements
Offer: APY stated as MATURITY
3.55% interest rate · Effective Oct 1, 2025
Rate checked
More details - Popular BankPopular Private Client Certificate of DepositCD · 6 months · $1,000 min · 3.60%–3.80% by balance
Bank · 4 branches
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 - 3.60%APY$391 over 13 months on $10,000with conditions
Requirements
Product: Promotional Certificate of Deposit valid for consumers. 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.
Offer: Eligible for Preferred Pricing rate bonus when primary/secondary owner also owns Relationship Banking, Premier Relationship Banking, or Private Bank Checking account.
Qualified rate · 3.54% interest rate
Rate checked
More details - 3.56%APY$88 over 3 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.
3.50% interest rate · Effective Sep 10, 2026
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 - First Citizens Community BankCertificates of Deposit (CDs)CD · 12–23 months · $10,000 min · 3.55%–4.06% by balance
Bank · 1 branch
3.55%APYRequirements
Product: A penalty may be imposed for early withdrawal. A withdrawal will reduce earnings. Interest compounded quarterly.
3.50% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $10,000 – $24,999Your amount 3.55% $100,000 and up 4.06% Rate checked
More details - Harrison Police & Firemen's Federal Credit UnionSmall Savers (30 Months)CD · 30 months
Credit union · 1 branch
3.55%APY$911 over 30 months on $10,0003.50% interest rate · Effective Oct 4, 2026
Rate checked
More details - 3.51%APY$262 over 9 months on $10,000intro rate
Requirements
Product: $2,500 minimum deposit required to open and earn APY. Early withdrawal penalties may be imposed.
Offer: $2,500 minimum deposit required to open and earn APY. Early withdrawal penalties may be imposed.
Promotional rate · 3.46% 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
* 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.
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