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 271–285 results in New Jersey
- 0.10%APY$10 a year on $10,000
Requirements
Product: Monthly mailed statements, free ATM card, free online banking, direct deposit, and free cashier's checks payable to account holder.
Offer: Compounding Method: Daily (365/365). Variable interest rate account; rates, terms, and conditions subject to change without notice. Fees may reduce earnings. ATM Card available.
0.10% interest rate · Effective Sep 19, 2025
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Passbook tracking; often used for low transaction volume. Free direct deposit and free cashier's checks payable to account holder.
Offer: Compounding Method: Daily (365/365). Variable interest rate account; rates, terms, and conditions subject to change without notice. Fees may reduce earnings.
0.10% interest rate · Effective Sep 19, 2025
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Offer: Compounded monthly. Minimum to obtain APY: $1.
0.10% interest rate · Compounded monthly · Effective Jul 29, 2024
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Offer: Compounded monthly. Minimum to obtain APY: $1.
0.10% interest rate · Compounded monthly · Effective Jul 29, 2024
Rate checked
More details - 0.10%APY$10 a year on $10,000
0.05% interest rate · Effective Jul 26, 2024
Rate by balance
Rate by balance for Money Market Balance APY Up to $500 0.05% $500 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $100 minimum to maintain to avoid a monthly service charge of $5. Earn interest on balances of $100 or more.
Offer: $100 minimum balance to avoid $5 monthly service charge. Earn interest on balances of $100 or more.
0.10% interest rate · $5 monthly fee
Rate checked
More details - County Excellence Federal Credit UnionRegular Share Savings AccountSavings · $5 min
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Dividends are paid on balances of $100.00 or more. Provides membership share in the credit union.
Offer: Dividends paid on balances of $100.00 or more.
0.10% interest rate
Rate checked
More details - First Point Federal Credit UnionRegular Share AccountSavings · $50 min · 0.10%–0.50% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,0000.10% interest rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for Regular Share Account Balance APY Up to $4,999 0.10% $5,000 – $19,999Your amount 0.10% $20,000 – $34,999 0.25% $35,000 – $999,999 0.50% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Requires opening a savings account with a minimum deposit of $5.00 to qualify for membership. Fees could reduce earnings on the account. Electronic transfer limitations apply (maximum 6 per month).
0.10% interest rate · Effective Jun 1, 2025
Rate checked
More details - Union Building Trades Federal Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.05%–0.30% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Required minimum balance of $2,500 for premium dividend rate; if balance falls below minimum, dividend rate drops to current savings rate. No monthly fee or penalty. Additional deposits allowed and up to six transfers per month. Dividends paid monthly.
Offer: If balance falls below the minimum of $2,500, dividend rate drops to the current savings rate.
0.05% interest rate · No monthly fee · Effective Apr 23, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,499 0.05%* $2,500 – $14,999Your amount 0.10%* $15,000 – $29,999 0.15%* $30,000 – $49,999 0.20%* $50,000 – $99,999 0.25%* $100,000 and up 0.30%* Rate checked
More details - 0.09%APY$9 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citigold relationship tier (requires $180,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold tier.
Qualified rate · 0.09% interest rate · $4.50 monthly fee
Rate checked
More details - First Hope BankGold Money MarketGold Money Market · $1,000 min · 0.00%–0.15% by balance
Bank · 6 branches
0.08%APY$8 a year on $10,000Requirements
Product: Minimum deposit of $1,000 required to open account. Minimum balance of $1,000 required to earn APY. Rate is subject to change after account opening. Fees may reduce earnings. Personal accounts only.
0.00% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Gold Money Market Balance APY Up to $1,000 0.00% $1,000 – $2,500 0.05% $2,500 – $100,000Your amount 0.08% $100,000 and up 0.15% Rate checked
More details - 0.08%APY$8 a year on $10,000
Requirements
Product: A $2.00 service charge is assessed if the average balance at the end of each quarter is below $50.00.
0.03% interest rate · Effective Sep 10, 2026
Rate by balance
Rate by balance for Premier Savings Balance APY Up to $500 0.03% $500 – $5,000 0.05% $5,000 – $25,000Your amount 0.08% $25,000 – $50,000 0.10% $50,000 – $100,000 0.15% $100,000 and up 0.25% Rate checked
More details - New Jersey Law & Public Safety Credit UnionShare Savings AccountSavings · $50 min · 0.06%–0.10% by balance
Credit union · 2 branches
0.08%APY$8 a year on $10,000Requirements
Product: Minimum $50 balance required to maintain membership and credit union ownership. Reg D limits automatic/pre-authorized transfers or withdrawals to six per month.
Offer: Dividends calculated by average daily balance method, compounded and credited quarterly.
0.06% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Share Savings Account Balance APY Up to $4,500 0.06% $5,000 – $12,500Your amount 0.08% $12,500 and up 0.10% Rate checked
More details - 0.08%APY$8 a year on $10,000
Requirements
Product: First account every member gets. Opening deposit of $5. Can be used as overdraft protection for checking account.
Offer: Dividends declared by the Board of Directors are paid at the close of business on the last day of the quarter. Fees may reduce earnings.
0.08% interest rate
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?
Find your bank or credit union to see all its rates and how they compare near you.
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