Compare Bank & Credit Union Rates
Best savings rates in Jersey City, 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 Jersey City, NJ
- 4.08%APY$408 a year on $10,000intro rate
Requirements
Product: Earn high-interest dividends. Access to your money in the XCEL Digital Banking App. No monthly fees. Minimum opening deposit of $1,000 required. Federally insured up to $250,000 by the NCUA.
Offer: Intro Rate - First 60 Days. Minimum to earn Dividend is $1,000. Minimum to open is $1,000. Fees may reduce earnings.
Promotional rate · 4.00% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000intro rate
Requirements
Product: Earn high-interest dividends. Access to your money in the XCEL Digital Banking App. No monthly fees. Minimum opening deposit of $1,000 required. Federally insured up to $250,000 by the NCUA.
Offer: With Direct Deposit from payroll or pension. Minimum to earn Dividend is $1,000. Minimum to open is $1,000. Fees may reduce earnings.
Promotional rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - Financial Resources FCUUltra Purple SavingsSavings · $1,000 min · 0.00%–3.03% by balance
Credit union · 1 branch
1.51%APY$151 a year on $10,000Requirements
Product: Can be opened with $1,000 and requires a daily minimum balance of $10,000.
0.00% interest rate
Rate by balance
Rate by balance for Ultra Purple Savings Balance APY Up to $10,000 0.00% $10,000 – $50,000Your amount 1.51% $50,000 – $100,000 1.51% $100,000 – $250,000 2.27% $250,000 – $500,000 2.78% $500,000 and up 3.03% Rate checked
More details - Financial Resources FCUPurple SavingsSavings · $25 min · 1.00%–1.51% by balance
Credit union · 1 branch
1.51%APY$151 a year on $10,000Requirements
Product: Can be opened with $25; requires a daily minimum balance of $25 or higher.
1.00% interest rate
Rate by balance
Rate by balance for Purple Savings Balance APY Up to $500 1.00% $500 – $10,000 1.00% $10,000 – $25,000Your amount 1.51% $25,000 – $50,000 1.51% $50,000 and up 1.51% Rate checked
More details - Liberty Savings Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.50%–2.75% by balance
Credit union · 1 branch
1.50%APY$150 a year on $10,000intro rateRequirements
Product: Projected Rates for October 2026. Rate is not guaranteed. Dividends are compounded monthly and credited monthly, calculated by the average daily balance method. Minimum balance to get started is $2,500; up to 6 withdrawals or transfers per month.
Offer: Projected rates for October 2026; rate is not guaranteed.
Promotional rate · 1.49% interest rate · Compounded monthly
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $25,000Your amount 1.50% $25,000 – $100,000 2.25% $100,000 – $250,000 2.50% $250,000,000 and up 2.75% Rate checked
More details - Seaport Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.00%–1.76% by balance
Credit union · 1 branch
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 - 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 - Selfreliance Federal Credit UnionMoney Market AccountsMoney Market Accounts · 0.05%–3.29% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Dividends accrue on daily balance, compound monthly and rates may be adjusted monthly. Withdrawals are limited as stated in Truth In Savings disclosure. Requires admission to membership ($5.00 par value share).
0.05% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $1,000 0.05% $1,000 – $24,999Your amount 0.75% $25,000 – $74,999 1.26% $75,000 – $249,999 1.76% $250,000 – $499,999 2.27% $500,000 and up 3.29% 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: Quarterly and monthly prize drawing eligibility.
0.50% interest rate
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 - 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
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Jersey City, NJ
48 accounts at 16 banks and credit unions · checked Oct 6–22
- Typical
- 0.07%
- Top 10% from
- 1.15%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.63%
Is your bank paying you enough?
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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