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 46–60 results in New Jersey
- First Atlantic Federal Credit UnionMega Money MarketMega Money Market · $1,000 min · 2.00%–3.60% by balance
Credit union · 3 branches
2.75%APY$275 a year on $10,000intro rateRequirements
Product: APY offer is valid for new money only. Funds used to open and subsequently fund this account must be new to First Atlantic Federal Credit Union; transfers from existing First Atlantic accounts do not qualify. A minimum deposit of $1,000 is required to open this account ($0 stated on product overview table; $1,000 minimum balance to earn dividends). Paper statement fee is $2/month, waived with eStatements.
Offer: New money only. Rate applies to entire balance if daily balance is $1,000 or more.
Promotional rate · 1.99% interest rate · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Mega Money Market Balance APY $1,000 – $10,000 2.00% $10,000 – $25,000Your amount 2.75% $25,000 – $50,000 3.50% $50,000 – $100,000p14 table shows rate 3.54% / APY 3.60%). 3.60% $100,000 and upRate applies to entire balance if daily balance is $50,000.00 or more. 3.60% Rate checked
More details - First Atlantic Federal Credit UnionMoney MarketMoney Market · $1,000 min · 2.00%–3.50% by balance
Credit union · 3 branches
2.75%APY$275 a year on $10,000Requirements
Product: Annual Percentage Yield (APY) is available for as long as you maintain the required minimum daily balance. Fees may reduce account earnings. Dividends are computed on an average daily balance and paid monthly. Minimum deposit to open is $0 (or $1,000 to earn dividends). Paper statement fee is $2/month, waived with eStatements.
1.99% interest rate · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $10,000 2.00% $10,000 – $25,000Your amount 2.75% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 and up 3.50% Rate checked
More details - First Atlantic Federal Credit UnionMagnum Money MarketMagnum Money Market · $0 min · 0.00%–3.75% by balance
Credit union · 3 branches
2.75%APY$275 a year on $10,000intro rateRequirements
Product: APY offer is valid for new money only. Funds used to open this account must be new to First Atlantic Federal Credit Union; transfers from existing First Atlantic accounts do not qualify.
Offer: New money only.
Promotional rate · 0.00% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Magnum Money Market Balance APY Up to $1,000 0.00% $1,000 – $10,000 2.00% $10,000 – $25,000Your amount 2.75% $25,000 – $50,000 3.50% $50,000 – $100,000 3.60% $100,000 and up 3.75% Rate checked
More details - 2.70%APY$270 a year on $10,000
Requirements
Product: Must become a member of PenFed Credit Union. Account holders must agree to electronic delivery of account opening disclosures and monthly statements.
2.67% interest rate · No monthly fee · Effective Oct 9, 2026
Rate checked
More details - Affinity Federal Credit UnionSmartStart SavingsSavings · $5 min · 0.50%–2.65% by balance
Credit union · 16 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 - 2.60%APY$260 a year on $10,000
Requirements
Product: A maintenance charge of $5.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $500.
Offer: Monthly maintenance charge of $5 waived when average daily balance for the statement cycle is $500 or more.
$5 monthly fee · Effective Dec 11, 2025
Rate by balance
Rate by balance for Simple Money Market Balance APY Up to $10,000 0.05% $10,000 – $100,000Your amount 2.60% $100,000 and up 2.80% Rate checked
More details - Cross RiverI Connect/E Connect Tiered SavingsSavings · $0 min · 1.75%–3.40% by balance
Bank · 1 branch
2.55%APY$255 a year on $10,0001.74% interest rate · No monthly fee · Effective Dec 17, 2025
Rate by balance
Rate by balance for I Connect/E Connect Tiered Savings Balance APY Up to $10,000 1.75% $10,000 – $50,000Your amount 2.55% $50,000 – $250,000 3.10% $250,000 – $1,000,000 3.25% $1,000,000 and up 3.40% Rate checked
More details - GSL Savings BankGSL Money Maker AccountGSL Money Maker Account · $1,000 min · 0.15%–4.03% by balance
Bank · 2 branches
2.52%APY$252 a year on $10,000Requirements
Product: Variable tiered rate account. Interest is compounded daily and paid monthly. Monthly service fee of $15.00 waived if minimum daily balance of $1,000.00 is maintained.
Offer: Minimum daily balance of $100.00 required to earn interest. Monthly service charge of $15.00 applies if daily balance falls below $1,000.00. Variable rate.
0.15% interest rate · Compounded daily · $15 monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for GSL Money Maker Account Balance APY Up to $1,500 0.15% $1,500 – $25,000Your amount 2.52% $25,000 and up 4.03% 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 - 2.50%APY$250 a year on $10,000
Requirements
Product: Minimum $500 to open. Minimum $500 balance to earn APY. Must enroll in Estatements to waive $3 paper fee.
Offer: Minimum $500 balance to earn APY. Must enroll in Estatements (paper $3 fee). Not a CD.
Effective Oct 17, 2025
Rate checked
More details - Manasquan BankLiquid Platinum Money MarketLiquid Platinum Money Market · $500 min · 2.25%–2.85% by balance
Bank · 15 branches
2.25%APY$225 a year on $10,000Requirements
Product: Interest compounded monthly, credited monthly. Interest paid on the full balance in the account at the rate that corresponds to that deposit tier.
Offer: Interest compounded monthly, credited monthly.
Compounded monthly
Rate by balance
Rate by balance for Liquid Platinum Money Market Balance APY Up to $499,999Your amount 2.25% $500,000 – $999,999 2.75% $1,000,000 and up 2.85% Rate checked
More details - WSFS BankPlatinum Money MarketPlatinum Money Market · $0 min · 0.05%–4.00% by balance
Bank · 11 branches
2.25%APY$225 a year on $10,000Requirements
Product: Personal accounts only. Restricted to Private Banking clients and individuals residing in Pennsylvania, Delaware, or New Jersey. Limit of six preauthorized withdrawals or transfers per month or statement cycle.
Offer: Personal accounts only. Restricted to Private Banking clients residing in PA, DE, or NJ.
0.05% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Platinum Money Market Balance APY Up to $10,000 0.05% $10,000 – $100,000Your amount 2.25% $100,000 – $500,000 3.75% $500,000 and up 4.00% 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 - Essex County Teachers FCUMoney MarketMoney Market · $1 min · 0.05%–4.50% by balance
Credit union · 2 branches
2.25%APY$225 a year on $10,000Requirements
Product: Maximum 6 withdrawals per month. Interest rates are based on tiered minimum balances.
0.05% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $1 and up 0.05% Over $2,500Your amount 2.25% Over $25,000 2.50% Over $50,000 2.75% Over $100,000 4.50% Rate checked
More details - American Heritage Credit UnionMoney Market AccountMoney Market Account · $2,000 min · 2.21%–2.45% by balance
Credit union · 5 branches
2.21%APY$221 a year on $10,000Requirements
Product: Requires a balance of $2,000 or more to earn dividends. Minimum withdrawal amount of $500 per withdrawal to earn dividends. Write up to a combination of six checks and/or money transfers per month. $10 fee each time balance falls below $2,000. $5 fee for each share draft less than $500. First 6 checks/transfers/withdrawals free, subsequent $20 each.
Offer: Earns dividends on daily balance posted monthly; closed before month end forfeits dividend. Minimum withdrawal of $500 to earn dividends.
2.19% interest rate · Effective Oct 1, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY $2,000 – $25,000Your amount 2.21% $25,000 and up 2.45% 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 New Jersey
414 accounts at 152 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 2.84%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.16%
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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