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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 Union County, NJ · Showing Union County, NJ: too few institutions in Union, NJ
- 4.40%APY$403 over 11 months on $10,000
Requirements
Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).
4.31% interest rate · Balance cap $1,000,000 · Effective Oct 16, 2026
Rate checked
More details - 4.40%APY$667 over 18 months on $10,000
Requirements
Product: Opening deposit and minimum balance is $1,000 ($500 for minors). Penalty for early withdrawal applies. Terms 3 months to 60 months, with additional terms available.
Offer: Promo Code: 1160. Offer valid beginning September 28, 2026. Penalty for early withdrawal applies. At maturity, automatically renews and earns base interest rate in effect at that time.
Effective Sep 28, 2026
Rate checked
More details - Affinity Federal Credit Union8-Month Promotional CertificateCD · 8 months · $500 min
Credit union · 2 branches
4.35%APY$288 over 8 months on $10,000intro rateRequirements
Product: Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-25 / 2026-09-30. On maturity, automatically renews to 6-month term.
Offer: Balances of $500 or more. Renewal: 6-month term at prevailing rate.
Promotional rate · 4.26% interest rate · Effective Sep 25, 2026
Rate checked
More details - Affinity Federal Credit Union14-Month Promotional CertificateCD · 14 months · $500 min · 4.35%–4.45% by balance
Credit union · 2 branches
4.35%APY$509 over 14 months on $10,000intro rateRequirements
Product: Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-25 / 2026-09-30. On maturity, automatically renews to 12-month term.
Offer: Balances between $500 and $49,999.99. Renewal: 12-month term at prevailing rate.
Promotional rate · 4.26% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for 14-Month Promotional Certificate Balance APY $500 – $50,000Your amount 4.35% $50,000 – $100,000 4.40% $100,000 and up 4.45% Rate checked
More details - Merck Employees Federal Credit UnionShare CertificateCD · 18 months · $10,000 min
Credit union · 2 branches
4.35%APY$660 over 18 months on $10,000Requirements
Product: Must be a member in good standing with the credit union. No additional deposits permitted after opening; early withdrawals forfeit all interest earned / subject to early withdrawal penalty. Dividends compounded and credited at maturity.
4.35% interest rate · Effective Jan 1, 2026
Rate checked
More details - Affinity Federal Credit Union22-Month Promotional CertificateCD · 22 months · $500 min · 4.35%–4.45% by balance
Credit union · 2 branches
4.35%APY$812 over 22 months on $10,000intro rateRequirements
Product: Minimum deposit $500. Monthly statement fee $2, waived with eStatements. Membership required ($5 deposit). APY effective as of 2026-09-25 / 2026-09-30. On maturity, automatically renews to 24-month term.
Offer: Balances between $500 and $49,999.99. Renewal: 24-month term at prevailing rate.
Promotional rate · 4.26% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for 22-Month Promotional Certificate Balance APY $500 – $50,000Your amount 4.35% $50,000 – $100,000 4.40% $100,000 and up 4.45% Rate checked
More details - 4.30%APY$430 over 1 year on $10,000intro rate
Requirements
Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.
Promotional rate · Balance cap $10,000,000 · Effective Oct 16, 2026
Rate checked
More details - 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
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 9 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 - 4.18%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
Rate checked
More details - 4.15%APY$847 over 24 months on $10,000intro rate
Requirements
Product: Available only to residents of the NY Metro area (New York, New Jersey, Connecticut, and Pennsylvania). New money only; initial deposit cannot be from an existing Haven Savings Bank account. Penalty for early withdrawal. Maximum deposit $250,000.
Offer: New money only. Compounding method: Continuous. Limited time offer. Penalty for early withdrawal.
Promotional rate · 4.07% interest rate · Balance cap $250,000 · Effective Sep 9, 2026
Rate checked
More details - 4.15%APY$884 over 25 months on $10,000
Requirements
Product: Minimum opening deposit of $1,000. Interest compounded daily and credited monthly, quarterly, semi-annually, annually, or at maturity. Early withdrawal penalty applies. Automatic renewal at maturity with 10-calendar-day grace period. Advertised rates do not apply to Popular Private Client or International Private Banking customers.
4.07% interest rate · Compounded daily · Effective Sep 29, 2026
Rate by balance
Rate by balance for Popular CD Balance APY $1,000 – $25,000Your amount 4.15% $25,000 – $100,000 4.25% $100,000 – $250,000 4.35% $250,000 – $1,000,000 4.35% $1,000,000 and up 4.35% Rate checked
More details - 4.10%APY$203 over 6 months on $10,000intro rate
Requirements
Product: Limited-time promotional Certificate of Deposit. New money deposit only. APY is fixed for the 6-month term. Early withdrawal penalties may apply.
Offer: Limited-time promotional rate. New money deposit only. $500 minimum to open and to obtain the advertised APY.
Promotional rate · Effective Oct 22, 2026
Rate checked
More details - 4.07%APY$201 over 6 months on $10,000
Requirements
Product: A 90-day dividend penalty will be imposed for early withdrawal. Deposit amount requires a minimum of $2,500.
3.99% interest rate · Effective Jun 9, 2026
Rate checked
More details - The Atlantic Federal Credit UnionShare CertificatesCD · 13 months · $500 min · 4.05%–4.16% by balance
Credit union · 1 branch
4.05%APY$439 over 13 months on $10,000intro rateRequirements
Product: Early withdrawal subject to penalty. Fees may reduce earnings on the account. Rates are subject to change without notice.
Offer: Special term; renews into the closest available standard term at maturity.
Promotional rate · 3.98% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Any balanceYour amount 4.05% $100,000 and up 4.16% 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 Union County, NJ
387 CDs at 36 banks and credit unions · checked Oct 16–22
- Typical
- 2.07%
- Top 10% from
- 3.99%
- Banks, typical
- 1.50%
- Credit unions, typical
- 3.00%
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New York, NY-NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union · 1 branch
- BTG Pactual Bank, National AssociationBank · 1 branch
- USALLIANCE FinancialCredit union · 3 branches