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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 121–135 results in New Jersey

  1. Top Carrot, Carrot Score 87
    Ponce BankCertificate of DepositCD · 3 months · $500 min

    Bank · 1 branch

    3.50%APY$86 over 3 months on $10,000
  2. Ridgedale Federal Credit UnionShare CertificateCD · 3 months · $500 min

    Credit union · 1 branch

    3.50%APY$86 over 3 months on $10,000
  3. Valley6-Month Certificate of DepositCD · 6 months · $500 min

    Bank · 126 branches

    3.50%APY$173 over 6 months on $10,000
  4. 1st Bank of Sea Isle CityCertificateCD · 6 months · $1,000 min

    Bank · 3 branches

    3.50%APY$173 over 6 months on $10,000intro rate
  5. First Commerce BankOnline CDsCD · 6 months · $1,000 min

    Bank · 11 branches

    3.50%APY$173 over 6 months on $10,000
  6. URSB BankURSB PERKS CDCD · 7 months · $500 min

    Bank · 2 branches

    3.50%APY$203 over 7 months on $10,000with conditions
  7. Valley12-Month Certificate of DepositCD · 12 months · $500 min

    Bank · 126 branches

    3.50%APY$350 over 1 year on $10,000
  8. Customers Bank12 Month CDCD · 12 months · $500 min

    Bank · 1 branch

    3.50%APY$350 over 1 year on $10,000
  9. Customers Bank18 Month CDCD · 18 months · $500 min

    Bank · 1 branch

    3.50%APY$530 over 18 months on $10,000
  10. PSFCUTerm Share AccountCD · 36 months · $500 min

    Credit union · 7 branches

    3.50%APY$1,087 over 36 months on $10,000
  11. Atlantic Health Employees Federal Credit UnionCertificates of Deposit (CDs)CD · 36 months · $500 min

    Credit union · 2 branches

    3.50%APY$1,087 over 36 months on $10,000
  12. Top Carrot, Carrot Score 96
    Altra Federal Credit UnionCertificatesCD · 60 months · $1,000 min

    Credit union · 1 branch

    3.50%APY$1,877 over 60 months on $10,000
  13. Top Carrot, Carrot Score 96
    PenFed Credit UnionMoney Market CertificatesCD · 60 months · $1,000 min

    Credit union · 1 branch

    3.50%APY$1,877 over 60 months on $10,000
  14. First Point Federal Credit UnionSavings CertificatesCD · 60 months · $500 min

    Credit union · 2 branches

    3.45%APY$1,850 over 60 months on $10,000
  15. Valley18-Month Certificate of DepositCD · 18 months · $500 min

    Bank · 126 branches

    3.45%APY$522 over 18 months on $10,000

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 16–22

Typical
2.80%
Top 10% from
4.00%
Banks, typical
2.25%
Credit unions, typical
3.04%

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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