Compare Bank & Credit Union Rates
Best savings rates in Cranford, NJ
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Cranford, NJ
- Union County Savings BankHigh-Yield SavingsSavings · $100 min · 0.05%–3.50% by balance
Bank · 1 branch
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Variable account; rate may change after account is open. A Cash Back Checking account is required to earn 3.50% APY on balances up to $100,000.
Offer: Applies if qualifying transactions are not met.
Qualified rate · 0.04% interest rate · Effective Jul 2, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Any balance 0.05% Up to $100,000Your amountRequires Cash Back Checking account and qualifying transactions. 3.50% $100,000 and up 0.50% Rate checked
More details - Spencer Savings BankPremium Money MarketPremium Money Market · $100 min · 0.00%–2.90% by balance
Bank · 1 branch
2.90%APY$290 a year on $10,000Requirements
Product: Available to individuals who are primary residents of NJ and currently living in NJ, or former NJM Bank customers who currently maintain an existing deposit account and are primary residents of and live in Bucks County, PA. $15 monthly service charge can be waived.
0.00% interest rate · $15 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Premium Money Market Balance APY Up to $100 0.00% $100 – $10,000 0.25% $10,000 and upYour amount 2.90% Rate checked
More details - 2.50%APY$250 a year on $10,000
1.29% interest rate · Effective Jul 2, 2026
Rate by balance
Rate by balance for Statement Savings Balance APY Up to $2,499 1.30% $2,500 – $149,999Your amount 2.50% $150,000 and up 3.25% Rate checked
More details - Union County Savings BankSTAR Savings AccountSavings · $50 min · 0.35%–0.60% by balance
Bank · 1 branch
0.60%APY$60 a year on $10,000intro rateRequirements
Product: Variable account; rate may change after the account is open. Interest calculated daily and compounded monthly.
Promotional rate · 0.35% interest rate · Compounded monthly · Effective Jul 2, 2026
Rate by balance
Rate by balance for STAR Savings Account Balance APY Up to $500 0.35% $500 and upYour amount 0.60% Rate checked
More details - Union County Savings BankMoney Market CheckingMoney Market Checking · $500 min · 0.30%–1.11% by balance
Bank · 1 branch
0.59%APY$59 a year on $10,0000.30% interest rate · Effective Jul 2, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $2,500 0.30% $2,500 – $100,000Your amount 0.59% $100,000 – $1,000,000 0.65% $1,000,000 and up 1.11% Rate checked
More details - Jersey Central Federal Credit UnionShare Savings AccountSavings · $5 min · 0.00%–0.50% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Minimum opening deposit is $5.00 with setup of automatic deposit (payroll deduction/direct deposit), or $100.00 without automatic deposit. Quarterly dividends paid on balances of $100.00 and above. Excess savings withdrawal fee of $10.00 per transaction over 6 per month. $2.00 per paper statement (exempt for minors and members 65+).
0.00% interest rate · Effective Jun 30, 2026
Rate by balance
Rate by balance for Share Savings Account Balance APY Up to $100 0.00% $100 – $2,500 0.10% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.40% $25,000 and up 0.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit account and who are primary residents of and live in Bucks County, PA.
0.00% interest rate · $3 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Statement Savings Balance APY Up to $100 0.00% $100 – $25,000Your amount 0.25% $25,000 and up 0.50% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit account and who are primary residents of and live in Bucks County, PA.
0.00% interest rate · $3 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Platinum Savings Balance APY Up to $100 0.00% $100 – $5,000 0.05% $5,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.25% $50,000 – $100,000 1.00% $100,000 and up 1.00% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% Rate checked
More details - Citizens BankCitizens Private Client® Money MarketCitizens Private Client® Money Market · $0 min · 0.03%–3.50% by balance
Bank · 1 branch
0.03%APY$3 a year on $10,000Requirements
Product: Rates apply to new accounts and may not apply to existing accounts. Variable APY subject to change daily. Rates accurate for Rhode Island (ZIP 02903).
Offer: Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens.
Effective Sep 25, 2026
Rate by balance
Rate by balance for Citizens Private Client® Money Market Balance APY Up to $9,999 0.03% $10,000 – $24,999Your amount 0.03% $25,000 – $49,999 3.50% $50,000 – $99,999 3.50% $100,000 – $249,999 3.50% $250,000 – $499,999 3.50% $500,000 – $999,999 3.50% $1,000,000 – $2,999,999 3.50% $3,000,000 and up 3.50% Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Prime Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.02% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Earn Premier relationship rates when you link the account to a qualifying checking account (Chase Premier Plus Checking, Chase Sapphire Checking, Chase Private Client Checking, J.P. Morgan Private Client Checking Plus, or J.P. Morgan Classic Checking) and make at least 5 customer-initiated transactions in a monthly statement period using your linked checking account. $25 monthly service fee waived with $15,000+ beginning day balance or linked qualifying checking account.
Offer: Relationship rate: requires linked qualifying checking account and at least 5 customer-initiated transactions in a monthly statement period. $25 monthly service fee waived with $15,000+ daily balance or linked qualifying checking account.
Qualified rate · 0.02% interest rate · $25 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Standard savings account. $5 monthly service fee can be avoided with $300 minimum daily balance, 1 automatic transfer of $25+ each fee period from linked Wells Fargo checking, 1 automatic transfer of $1+ each business day from linked checking, 1+ Save As You Go transfers from linked checking, or if the primary account owner is 24 years old or under.
Offer: Standard rate. Fee waived with $300 minimum daily balance, 1 automatic transfer of $25+ per fee period, 1 daily automatic transfer of $1+ each business day, 1+ Save As You Go transfer, or primary owner age 24 or under.
0.01% interest rate · $5 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Standard rate. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.01% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: $5 monthly service fee waived with ONE of: $300+ beginning day balance, $25+ repeating automatic transfers/Autosave from personal Chase checking, link to qualifying checking, link to Chase College Checking enrolled in Overdraft Protection, or account owner under age 25. Fee waived for first two statement periods on new/converted accounts.
Offer: $5 monthly service fee waived with $300+ daily balance, $25+ Autosave transfers, qualifying linked checking, linked Chase College Checking with Overdraft Protection, or owner under age 25.
0.01% interest rate · $5 monthly fee · Effective Oct 2, 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
What savings accounts pay in Cranford, NJ
19 accounts at 6 banks and credit unions · checked Oct 3–22
- Typical
- 0.03%
- Top 10% from
- 2.58%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.40%
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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