Compare Bank & Credit Union Rates
Best savings rates in New Jersey
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 241–255 results in New Jersey
- Flagstar BankFlagstar Performance SavingsSavings · $1 min · 0.10%–3.20% by balance
Bank · 30 branches
0.10%APY$10 a year on $10,000Requirements
Product: Personal accounts only. Initial minimum opening deposit to earn higher rate is $25,000. Account must be funded within 90 days of approval date. Early closure fee may apply if closed within 180 days. $15 monthly service charge waived with at least a $10,000 average daily collected balance or with a Flagstar personal checking relationship.
Offer: Tier 1 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01.
$15 monthly fee
Rate by balance
Rate by balance for Flagstar Performance Savings Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier 2 balance rate. 0.10% $25,000 – $50,000Tier 3 balance rate. 3.20% $50,000 – $100,000Tier 4 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $100,000 – $500,000Tier 5 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $500,000 and upTier 6 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% Rate checked
More details - FourLeaf Federal Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.10%–1.00% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Membership required (requires opening and maintaining a $5 Savings Account). Variable APY applies by balance tier to the entire balance based on daily ending balance. Minimum balance requirement of $5.00 to open online and $1.00 when opened in a branch.
Offer: Tier 1: 0.10% APY and 0.10% Dividend Rate for balances $0.00 - $499.99.
0.10% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $500 0.10% $500 – $50,000Your amount 0.10% $50,000 – $100,000 0.15% $100,000 – $250,000 0.25% $250,000 – $500,000 0.40% $500,000 and up 1.00% 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 - United Teletech FinancialEstate Money MarketEstate Money Market · $1,000 min
Credit union · 6 branches
0.10%APY$10 a year on $10,000Requirements
Product: Minimum balance of $1,000 to avoid a service fee and earn stated APY. Maximum 6 electronic preauthorized, automatic, or telephone transfers per month. Must maintain membership share ($5.00).
0.10% interest rate · Effective Jan 1, 2022
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Primary account for all members; dividends paid quarterly based on average daily balance; requires a minimum balance of $5.00 to remain active.
Offer: Dividends paid quarterly based on average daily balance. Minimum balance of $5.00 to remain active.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: If unable to maintain a minimum daily balance of $100.00, a $5.00 monthly maintenance fee will be imposed.
Offer: Monthly maintenance fee waived if minimum daily balance of $100.00 is maintained.
0.10% interest rate · $5 monthly fee · Effective Sep 18, 2026
Rate checked
More details - North Jersey Federal Credit UnionMoney MarketMoney Market · $1,000 min · 0.10%–0.20% by balance
Credit union · 4 branches
0.10%APY$10 a year on $10,000Requirements
Product: Membership eligibility applies. Requires maintaining membership share ($5.00 par value). Minimum average daily balance of $1,000.00 required to avoid a service fee. Limit of 6 transfers/withdrawals per month.
Offer: Tiered rate applies to the full balance of the account once the balance range is met. Dividends compounded monthly and credited monthly based on average daily balance.
0.10% interest rate · Compounded monthly
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $25,000Your amount 0.10% $25,000 – $100,000 0.15% $100,000 and up 0.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Must complete payment of one share ($5.00 par value) in Savings Account as condition of admission to membership. Dividends accrue on daily balance, compound quarterly, credited quarterly. Rate may be adjusted quarterly. Up to 6 regulated withdrawal/transfer transactions per month.
Offer: Minimum balance to earn the stated APY is $10.00. Dividends compound quarterly.
0.10% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: No minimum balance required. A Special Savings account can be used as a budgeting tool or to keep some of your savings separated from other funds. Dividends are paid quarterly.
0.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - Altra Federal Credit UnionIndexed Tiered SavingsSavings · $0 min · 0.10%–4.32% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Dividends compounded monthly and paid monthly. Available to both Business and Retail Members. Rate indexed to 3-month Regular Advance rate of FHLB of Chicago. Floor Rate of 0.50% APY for balances higher than $250,000.00. Limited to balances below $10,000,000.00. Limit 1 Indexed Tiered Savings account per tax reported owner.
0.10% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Indexed Tiered Savings Balance APY Up to $249,999Your amount 0.10% $250,000 – $499,999 3.32% $500,000 – $749,999 3.52% $750,000 – $999,999 3.92% $1,000,000 and up 4.32% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Save for specific needs such as rainy day, holiday, or vacation. Minimum balance requirement is $0.
0.10% interest rate · Effective Oct 4, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Membership eligibility required. Requires a $5.00 opening deposit / minimum balance to establish ownership in Proponent.
0.10% interest rate · Effective Oct 4, 2026
Rate checked
More details - Garden State Federal Credit UnionPrimary Savings, Statement Savings, Other Savings, Personal Savings, My Savings, Member Savings & Primary NOW SavingsSavings · $250 min · 0.00%–0.10% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Open with $5.00 minimum deposit. Maintain $5.00 balance in Primary Savings for membership benefits.
0.00% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Primary Savings, Statement Savings, Other Savings, Personal Savings, My Savings, Member Savings & Primary NOW Savings Balance APY $250 – $500 0.00% $500 – $1,000 0.02% $1,000 – $2,000 0.03% $2,000 – $5,000 0.04% $5,000 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Open to those who live in or near the tri-county servicing area (Cumberland, Salem, and Gloucester counties). $3.00 monthly fee if balance falls below $50 on any day of the statement cycle.
Offer: Minimum daily balance of $100 to obtain APY. $3.00 monthly fee if balance falls below $50 on any day of the statement cycle.
0.10% interest rate · $3 monthly fee · Effective Oct 4, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate · 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in New Jersey
414 accounts at 152 banks and credit unions · checked Oct 16–23
- Typical
- 0.15%
- Top 10% from
- 2.84%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.16%
Is your bank paying you enough?
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New Jersey
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altra Federal Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 1 branch
- Bridgeton Onized Federal Credit UnionCredit union · 2 branches