Compare Bank & Credit Union Rates
Best savings rates in Elizabeth, 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 Elizabeth, NJ
- 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.
Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.
Promotional rate · $5 monthly fee · Effective Oct 17, 2026
Rate by balance
Rate by balance for Flagstar Ready Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amountMust be a new personal savings client and deposit new money. $1 minimum opening deposit. Reverts to standard non-promotional rate after 180 days. Early account closure fee may apply if closed within 180 days. 4.00% Rate checked
More details - Union County Savings BankHigh-Yield SavingsSavings · $100 min · 0.05%–3.50% by balance
Bank · 2 branches
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 - 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 - Union County Savings BankStatement SavingsSavings · $50 min · 1.30%–3.25% by balance
Bank · 2 branches
2.50%APY$250 a year on $10,0001.29% 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 - Popular BankPopular Saver Money Market AccountPopular Saver Money Market Account · $100 min · 0.05%–3.25% by balance
Bank · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Minimum opening deposit is $100. Monthly service fee of $15 is assessed if the minimum daily balance falls below $10,000. Up to 6 transfers/withdrawals per statement cycle without a fee. Variable rates subject to change.
Offer: Initial deposit / balance of $0.01 - $9,999.99. Variable rate. Monthly fee of $15 applies if minimum daily balance is below $10,000.
0.05% interest rate · $15 monthly fee · Effective Dec 15, 2025
Rate by balance
Rate by balance for Popular Saver Money Market Account Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 1.25% $25,000 – $50,000Monthly fee of $15 waived if minimum daily balance is at or above $10,000. 3.10% $50,000 – $250,000Monthly fee of $15 waived if minimum daily balance is at or above $10,000. 3.10% $250,000 and upMonthly fee of $15 waived if minimum daily balance is at or above $10,000. 3.25% Rate checked
More details - Seaport Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.00%–1.76% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,0001.00% interest rate · Effective Jan 13, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and upYour amount 1.00% $20,000 and up 1.26% $75,000 and up 1.76% Rate checked
More details - Union County Savings BankSTAR Savings AccountSavings · $50 min · 0.35%–0.60% by balance
Bank · 2 branches
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 · 2 branches
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 - 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 - 0.15%APY$15 a year on $10,000
0.15% interest rate · Effective Jan 13, 2026
Rate checked
More details - 0.10%APY$10 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. Paperless customer requirement: must agree to electronic delivery of disclosures/communications and maintain a valid email address.
Offer: Variable standard rate for daily collected balance range $0.01 - $9,999.99. No minimum balance required to obtain disclosed APY.
0.10% interest rate · Effective May 20, 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 Elizabeth, NJ
37 accounts at 13 banks and credit unions · checked Oct 6–22
- Typical
- 0.07%
- Top 10% from
- 2.75%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.28%
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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