Compare Bank & Credit Union Rates
Best savings rates in Union, 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 Union County, NJ · Showing Union County, NJ: too few institutions in Union, 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 · 4 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 - Somerset Regal BankPremium Money Market AccountPremium Money Market Account · $5,000 min
Bank · 1 branch
3.35%APY$335 a year on $10,000Requirements
Product: Check-writing privileges; no fees; a higher balance means a better rate.
Offer: Minimum daily balance to earn interest is $5,000.
3.30% interest rate · No monthly fee · Effective Oct 2, 2026
Rate checked
More details - Affinity Federal Credit UnionPerformance SavingsSavings · $5 min · 0.50%–3.25% by balance
Credit union · 2 branches
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 - 3.00%APY$300 a year on $10,000
Requirements
Product: Opening deposits must be New to First Bank funds; transfers or withdrawals from an existing First Bank account redeposited into the new account do not qualify. First Bank reserves the right to limit the number of accounts opened. During any statement cycle, you may not make more than 6 withdrawals or transfers to another account or third party. No monthly maintenance fees.
Offer: New-to-bank funds required for opening deposit. Max 6 withdrawals/transfers per statement cycle.
Conditional rate · 0.00% interest rate · No monthly fee · Effective Oct 20, 2026
Rate checked
More details - ConnectOne BankConnection Plus SavingsSavings · $2,500 min · 0.00%–3.10% by balance
Bank · 4 branches
3.00%APY$300 a year on $10,000intro rateRequirements
Product: Available nationwide. Open your account with a deposit of $2,500 or more. Variable rate account. Rate matching available for advertised annual percentage yield (APY) and product of FDIC-insured competitor with retail locations in NY, NJ, and/or Palm Beach County, FL up to 90 days, up to a maximum of 4.50% APY.
Offer: Tier I. Variable rate account.
Promotional rate · 0.00% interest rate · No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Connection Plus Savings Balance APY Up to $2,500 0.00% $2,500 – $250,000Your amountTier II. 3.00% $250,000 and upTier III. 3.10% Rate checked
More details - Spencer Savings BankPremium Money MarketPremium Money Market · $100 min · 0.00%–2.90% by balance
Bank · 4 branches
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 · 2 branches
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 · 4 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 - 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 - ConnectOne BankConnect Money MarketConnect Money Market · $1,000 min · 2.00%–2.10% by balance
Bank · 4 branches
2.00%APY$200 a year on $10,000Requirements
Product: Avoid the $10 monthly minimum balance fee by maintaining an average daily balance of $5,000 or more.
Offer: Avoid $10 monthly fee with $5,000+ average daily balance.
1.98% interest rate · $10 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Connect Money Market Balance APY Up to $25,000Your amount 2.00% $25,000 and up 2.10% 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 - Haven Savings BankSafe Haven Relationship SavingsSavings · $1,000 min · 0.50%–3.00% by balance
Bank · 3 branches
1.50%APY$150 a year on $10,000with conditionsRequirements
Product: Available only to residents of the NY Metro area (New York, New Jersey, Connecticut, and Pennsylvania). Minimum opening deposit of $1,000 (new money only). Must maintain a Savings Relationship Account linked to a Beacon Checking or Lighthouse 360 Checking. Maintain a daily balance of $1,000 or higher in account or relationship account to avoid a $15 maintenance fee. Interest is compounded and credited monthly based on daily balance. Fees may reduce earnings.
Offer: Must be linked to Beacon Checking or Lighthouse 360 Checking. Maintain daily balance of $1,000 or higher across accounts to avoid $15 maintenance fee. New money only for opening deposit.
Qualified rate · $15 monthly fee · Effective Oct 1, 2025
Rate by balance
Rate by balance for Safe Haven Relationship Savings Balance APY Up to $9,999 0.50% $10,000 – $49,999Your amount 1.50% $50,000 and up 3.00% 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
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 Union County, NJ
107 accounts at 40 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 1.71%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.20%
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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
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