Compare Bank & Credit Union Rates
Best savings rates in Edison, 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 Edison, NJ
- Affinity Federal Credit UnionPerformance SavingsSavings · $5 min · 0.50%–3.25% by balance
Credit union · 1 branch
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Only available to members with a Cash Back Plus or High-Yield Checking account. Limit one per membership. To earn maximum stated rate during each Monthly Qualification Cycle (MQC), must complete at least 12 PIN or signature debit card purchases, receive at least one Direct Deposit or ACH deposit of $250+, and be enrolled in electronic statements. If qualifications are not met, 0.05% APY applies to all balances. $2 paper statement fee waived if enrolled in eStatements.
Offer: Requires qualifying checking account and meeting MQC requirements (12 debit transactions, direct deposit/ACH of $250+, eStatements enrollment). $2 monthly paper statement fee waived with eStatements.
Qualified rate · 3.20% interest rate · $2 monthly fee · Effective Mar 21, 2025
Rate by balance
Rate by balance for Performance Savings Balance APY Up to $250,000Your amount 3.25% Over $250,000Blended APY ranges from 3.25% to 1.88%. 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 - Affinity Federal Credit UnionSmartStart SavingsSavings · $5 min · 0.50%–2.65% by balance
Credit union · 1 branch
2.65%APY$265 a year on $10,000Requirements
Product: Limit one account per member. Requires Affinity membership. Tiered rate structure paying higher rate on balances up to $10,000 and 0.50% on portion over $10,000. Blended APY ranges from 2.65% to 0.59%. Dividends compounded monthly and credited monthly. No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies. Initial opening deposit $5.00.
Offer: Rate applies to daily balance up to $10,000. $2 monthly paper statement fee waived if enrolled in eStatements within 45 days, or for members aged 62+, children aged 17 and under, Savvy Saver, and tenant accounts.
2.62% interest rate · Compounded monthly · $2 monthly fee · Effective May 28, 2026
Rate by balance
Rate by balance for SmartStart Savings Balance APY Up to $10,000Your amount 2.65% Over $10,000blended APY ranges from 2.65% to 0.59% depending on balance. $2 monthly paper statement fee waived if enrolled in eStatements. 0.50% Rate checked
More details - 2.25%APY$225 a year on $10,000intro rate
Requirements
Product: Online accounts only for standard rates. Branch-only promo available with $1.00 opening deposit and $10 monthly fee if daily balance below $100. Promo rates require eStatements enrollment and branch opening. Rates effective as of 12/8/2025 (standard) and 9/29/2026 (promo).
Offer: Promo rate guaranteed for 90 days from opening. Must be opened at branch. Requires eStatements enrollment.
Promotional rate · $10 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for eSavings Balance APY Up to $10,000 0.35% $10,000 – $50,000Your amount 2.25% $50,000 – $100,000 2.75% $100,000 – $150,000 3.25% $150,000 and up 3.75% $250,000 – $500,000Online accounts only. 0.15% $500,000 and upOnline accounts only. 0.25% Rate checked
More details - 1.80%APY$180 a year on $10,000
Requirements
Product: Available exclusively to residents of CA, NJ, NY, TX, NV, WA, and AZ. Must be opened online to receive APY. No monthly maintenance fee. Maximum 6 withdrawals/transfers per calendar month ($10 fee per excess transaction).
Offer: Online opening required to receive stated APY.
1.78% interest rate · No monthly fee · Effective Sep 9, 2025
Rate by balance
Rate by balance for Online Personal Savings Balance APY Up to $50,000Your amount 1.80% $50,000 and up 3.30% Rate checked
More details - Fulton BankPlatinum Money MarketPlatinum Money Market · $1,000 min · 0.85%–2.46% by balance
Bank · 1 branch
0.90%APY$90 a year on $10,000with conditionsRequirements
Product: Tiered interest rate account. Standard rates and Preferred Pricing bonus tiers available based on combined deposit and investment balances for eligible relationship checking owners.
Offer: Preferred Pricing Diamond tier with $1,000,000 combined balance.
Qualified rate · 0.85% interest rate · Effective Feb 26, 2026
Rate by balance
Rate by balance for Platinum Money Market Balance APY $1,000 – $9,999 0.85% $9,999 – $24,999Your amount 0.90% $24,999 – $49,999 1.06% $49,999 – $99,999 1.45% $99,999 – $249,999 2.15% $249,999 – $999,999 2.46% $999,999 – $1,999,999 2.46% Over $1,999,999 2.46% Rate checked
More details - Fulton BankPlatinum Money MarketPlatinum Money Market · $1,000 min · 0.70%–2.30% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Tiered interest rate account. Standard rates and Preferred Pricing bonus tiers available based on combined deposit and investment balances for eligible relationship checking owners.
Offer: Preferred Pricing Platinum tier with $250,000 combined balance.
Qualified rate · 0.70% interest rate · Effective Feb 26, 2026
Rate by balance
Rate by balance for Platinum Money Market Balance APY $1,000 – $9,999 0.70% $9,999 – $24,999Your amount 0.75% $24,999 – $49,999 0.90% $49,999 – $99,999 1.30% $99,999 – $249,999 2.00% $249,999 – $999,999 2.30% $999,999 – $1,999,999 2.30% Over $1,999,999 2.30% Rate checked
More details - Fulton BankPlatinum Money MarketPlatinum Money Market · $1,000 min · 0.60%–2.20% by balance
Bank · 1 branch
0.65%APY$65 a year on $10,000with conditionsRequirements
Product: Tiered interest rate account. Standard rates and Preferred Pricing bonus tiers available based on combined deposit and investment balances for eligible relationship checking owners.
Offer: Preferred Pricing Gold tier with $50,000 combined balance.
Qualified rate · 0.60% interest rate · Effective Feb 26, 2026
Rate by balance
Rate by balance for Platinum Money Market Balance APY $1,000 – $9,999 0.60% $9,999 – $24,999Your amount 0.65% $24,999 – $49,999 0.80% $49,999 – $99,999 1.20% $99,999 – $249,999 1.90% $249,999 – $999,999 2.20% $999,999 – $1,999,999 2.20% Over $1,999,999 2.20% Rate checked
More details - Fulton BankPlatinum Money MarketPlatinum Money Market · $1,000 min · 0.50%–2.10% by balance
Bank · 1 branch
0.55%APY$55 a year on $10,000with conditionsRequirements
Product: Tiered interest rate account. Standard rates and Preferred Pricing bonus tiers available based on combined deposit and investment balances for eligible relationship checking owners.
Offer: Preferred Pricing Silver tier with $25,000 combined balance.
Qualified rate · 0.50% interest rate · Effective Feb 26, 2026
Rate by balance
Rate by balance for Platinum Money Market Balance APY $1,000 – $9,999 0.50% $9,999 – $24,999Your amount 0.55% $24,999 – $49,999 0.70% $49,999 – $99,999 1.10% $99,999 – $249,999 1.79% $249,999 – $999,999 2.10% $999,999 – $1,999,999 2.10% Over $1,999,999 2.10% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: $2.00 monthly maintenance fee waived if balance does not fall below $100 on any day of the statement cycle.
Offer: Earn interest on balances of $100 or more. $2.00 monthly maintenance fee if balance falls below $100 any day of the statement cycle.
0.50% interest rate · $2 monthly fee · Effective Oct 4, 2026
Rate checked
More details - Magyar Bank (New Brunswick, NJ)Advantage Money MarketAdvantage Money Market · $10,000 min · 0.05%–1.50% by balance
Bank · 2 branches
0.50%APY$50 a year on $10,0000.05% interest rate · No monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Advantage Money Market Balance APY Up to $10,000 0.05% $10,000 – $100,000Your amount 0.50% $100,000 and up 1.50% Rate checked
More details - Fulton BankPlatinum Money MarketPlatinum Money Market · $1,000 min · 0.35%–1.95% by balance
Bank · 1 branch
0.40%APY$40 a year on $10,000with conditionsRequirements
Product: Tiered interest rate account. Standard rates and Preferred Pricing bonus tiers available based on combined deposit and investment balances for eligible relationship checking owners.
Offer: Standard rate tier.
Qualified rate · 0.35% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Platinum Money Market Balance APY $1,000 – $9,999 0.35% $9,999 – $24,999Your amount 0.40% $24,999 – $49,999 0.55% $49,999 – $99,999 0.94% $99,999 – $249,999 1.64% $249,999 – $999,999 1.95% $999,999 – $1,999,999 1.95% Over $1,999,999 1.95% Rate checked
More details - Affinity Federal Credit UnionMoreSavingsSavings · $5 min · 0.40%–1.50% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Tiered savings account with four balance tiers earning dividends based on daily balance. Dividends compounded daily and credited monthly. $5 minimum opening deposit. No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies.
Offer: No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies. If account balance falls below the minimum for a tier, the next lowest tier's APY applies.
0.40% interest rate · Compounded daily · $2 monthly fee · Effective May 28, 2026
Rate by balance
Rate by balance for MoreSavings Balance APY Up to $25,000Your amount 0.40% $25,000 – $100,000 0.55% $100,000 – $250,000 1.00% Over $250,000 1.50% 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 - 0.20%APY$20 a year on $10,000
Requirements
Product: Must be a U.S. citizen or lawful permanent resident with a U.S. physical address (or military APO/FPO), at least 18 years old, and have a U.S.-based mobile phone.
Offer: Variable rate for daily collected balance range 0 - $9,999.99. No minimum deposit required to open; no minimum balance required to obtain APY.
0.20% interest rate · Effective Jul 15, 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 Edison, NJ
48 accounts at 15 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 1.17%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.40%
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