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 1–15 results in Atlantic City, NJ metro
- 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 8 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$868 over 24 months on $10,000
Requirements
Product: APY listed paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Review our Share Certificate Truth-In-Savings Disclosure for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance.
Offer: Must open with $500 minimum in new money or have a First Harvest Checking Account.
4.17% interest rate · Effective Sep 23, 2026
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More details - 4.18%APY$312 over 9 months on $10,000with conditions
Requirements
Product: Limited-time offer for new deposit customers, loan-only customers, or employees of OceanFirst Bank. Requires new money not currently on deposit at OceanFirst Bank. Automatically renews for a 9-month term at published non-special rate. Penalty for early withdrawal may apply. Government accounts excluded.
Offer: Promotional APY increase and $250,000 maximum funding amount available if opening a non-interest FreeStyle Checking or Community Business Checking account within 60 days of certificate opening date (employees may open any OceanFirst checking account).
Qualified rate · 4.10% interest rate · Balance cap $250,000
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More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties apply. Available in amounts of $500 or more. Interest can be paid monthly, quarterly, or at maturity with flexible terms and a guaranteed interest rate for the term of the certificate.
Offer: Early withdrawal penalties apply.
4.07% interest rate · Effective Oct 12, 2026
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More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: Valid for consumers only. Minimum deposit of $10,000 new money to the bank is required to open and obtain APY. New money is defined as funds not on deposit with Fulton Bank at time of account opening. Preferred Pricing rate bonus not available for this account. A penalty will be imposed for early withdrawal.
Offer: Requires $10,000 minimum balance in new money to the bank.
Promotional rate · 3.92% interest rate · Effective May 21, 2026
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More details - 3.90%APY$291 over 9 months on $10,000intro rate
Requirements
Product: This offer is for new money ONLY. Minimum deposit of new money required to earn advertised APY up to a maximum of $250,000. Assumes interest remains on deposit to maturity. Penalties for early withdrawal apply. Offer may be withdrawn at any time.
Offer: New money only. Maximum $250,000 for advertised APY.
Promotional rate · 3.84% interest rate · Balance cap $250,000 · Effective Oct 22, 2026
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More details - 3.82%APY$578 over 18 months on $10,000
Effective Oct 22, 2026
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More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% 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 - 3.50%APY$173 over 6 months on $10,000intro rate
Requirements
Product: Primary operating region is Cape May County, NJ; right reserved to refuse applications from outside the area. Must physically come into a branch location to open any account with proper identification.
Offer: 182 days (6 months) Certificate Special; limited time offer. Subject to premature withdrawal penalty of 3 months loss of interest.
Promotional rate · 3.44% interest rate · Effective Dec 16, 2025
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More details - 3.40%APY$692 over 24 months on $10,000
Requirements
Offer: Frequency of Crediting Interest: Monthly
3.34% interest rate · Effective Sep 26, 2026
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More details - 3.35%APY$250 over 9 months on $10,000
Requirements
Product: Standard Certificate of Deposit. 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. Preferred Pricing rate bonus may be available with qualifying relationship checking account.
Offer: 9 Month No Penalty CD: Funds must remain on deposit at least seven days after which a full withdrawal is allowed without penalty. 9 Month No Penalty CD is not available as an IRA account.
3.30% interest rate
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.30%APY$414 over 15 months on $10,000
Requirements
Product: An early withdrawal penalty may apply. Rates subject to change without notice. Simple: 365 / 365 interest calculation.
Offer: Monthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply.
3.25% interest rate · Effective Oct 5, 2026
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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 Atlantic City, NJ metro
257 CDs at 17 banks and credit unions · checked Oct 16–22
- Typical
- 1.00%
- Top 10% from
- 3.74%
- Banks, typical
- 0.50%
- Credit unions, typical
- 2.90%
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Atlantic City, NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Parke BankBank · 2 branches
- First Harvest Credit UnionCredit union · 1 branch