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 301–315 results in New Jersey
- 0.05%APY$5 a year on $10,000
Requirements
Product: Can be used to save for any purpose. Deposited money is available at any time during the year. Must maintain a minimum daily balance of $5.00 each day to earn a dividend.
Offer: Must maintain a minimum daily balance of $5.00 in your account each day to earn a dividend. Dividends calculated on average daily balance method and posted quarterly. Shared club account rate schedule.
0.05% interest rate
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Can be used to save for any purpose. Deposited money is available at any time during the year. Must maintain a minimum daily balance of $5.00 each day to earn a dividend.
Offer: Must maintain a minimum daily balance of $5.00 in your account each day to earn a dividend. Dividends calculated on average daily balance method and posted quarterly. Shared club account rate schedule.
0.05% interest rate
Rate checked
More details - 0.05%APY$5 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: Online accounts only.
Promotional rate · $10 monthly fee · Effective Dec 8, 2025
Rate by balance
Rate by balance for eSavings Balance APY Up to $100 0.00% $100 – $20,000Your amount 0.05% $20,000 – $100,000 0.10% $100,000 – $250,000 0.10% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: $10 monthly service fee if daily balance falls below $100. Free paper statements and online statements.
Offer: $10.00 monthly service fee if balance falls below $100.00.
$10 monthly fee
Rate by balance
Rate by balance for Opportunity Savings Balance APY Up to $100 0.00% $100 – $20,000Your amount 0.05% $20,000 – $100,000 0.10% $100,000 and up 0.10% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: $10.00 monthly service fee if balance falls below $100.00.
Offer: $10.00 monthly service fee if balance falls below $100.00.
$10 monthly fee
Rate by balance
Rate by balance for Prosperity Savings Balance APY Up to $25 0.00% $25 and upYour amount 0.05% Rate checked
More details - First Harvest Credit UnionPrimary Savings AccountSavings · $100 min · 0.01%–0.10% by balance
Credit union · 6 branches
0.05%APY$5 a year on $10,000Requirements
Product: Establishes membership at First Harvest Credit Union. APY paid on balances of $100 or more.
Offer: Tier 1 balance tier.
0.01% interest rate · Effective Mar 1, 2026
Rate by balance
Rate by balance for Primary Savings Account Balance APY $100 – $5,000 0.01% $5,000 – $24,999Your amountTier 2 balance tier. 0.05% $25,000 and upTier 3 balance tier. 0.10% Rate checked
More details - PenFed Credit UnionMoney Market Savings AccountMoney Market Savings Account · $25 min
Credit union · 1 branch
0.05%APY$5 a year on $10,0000.05% interest rate · Effective Oct 9, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.
Offer: Standard APY.
Qualified rate
Rate checked
More details - Wells FargoWells Fargo Platinum SavingsSavings · $25 min · 0.05%–3.25% by balance
Bank · 195 branches
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% Rate checked
More details - Peoples Security Bank & TrustEveryday SaverSavings · $25 min · 0.05%–0.20% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Variable tiered rates; no minimum balance required to earn interest. Interest compounded and credited quarterly using the daily balance method. $5 monthly service charge if average daily balance falls below $100; fee assessed and refunded with a recurring direct deposit. Unlimited deposits and withdrawals.
Offer: $5 monthly fee if average daily balance is below $100; refunded with recurring direct deposit. Variable rate; no minimum balance to earn interest.
0.05% interest rate · $5 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Everyday Saver Balance APY Up to $50,000Your amount 0.05% $50,000 – $100,000Variable rate. 0.15% $100,000 and upVariable rate. 0.20% Rate checked
More details - Peoples Security Bank & TrustPersonal Money MarketPersonal Money Market · $2,500 min · 0.05%–0.45% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Consumer money market with check-writing and transfer access; up to 10 free withdrawals or transfers per statement cycle. Interest is variable, compounded and credited monthly using the daily balance method. A $2,500.00 minimum daily/average daily balance is required to earn interest. $8.00 monthly minimum-balance fee if average daily balance falls below $2,500.00. Offered in PA, NY, and NJ.
Offer: Variable rates may change at any time. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00.
0.05% interest rate · $8 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY $2,500 – $100,000Your amount 0.05% $100,000 – $249,999Rate-table high bound is $249,999.00. 0.10% $250,000 – $1,000,000 0.15% $1,000,000 – $5,000,000 0.30% $5,000,000 and up 0.45% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Enhanced rates require being the primary owner of a qualifying MaxEarnings Checking account. Variable rates; no minimum balance required to earn interest. Product page: $5 monthly fee if average daily balance falls below $25, refunded with recurring direct deposit. Comparison table instead uses a $100 average-daily-balance threshold and $0/$5 fee. Interest compounding is stated as monthly on the product page and quarterly in one feature blurb.
Offer: When MaxEarnings Saver qualifications are not met, the entire daily balance earns 0.05% interest and 0.05% APY. Variable; no minimum balance to earn interest.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Dec 23, 2025
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: A $5 minimum balance is required in a Regular savings account for all Altra members; this is your ownership share in the Credit Union. This account pays dividends quarterly.
0.05% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
0.05% interest rate · Effective Oct 4, 2026
Rate checked
More details - Riegel Federal Credit UnionRegular Share Savings AccountSavings · $0 min · 0.00%–0.05% by balance
Credit union · 3 branches
0.05%APY$5 a year on $10,000Requirements
Offer: Variable Rate. Compounded and Paid Quarterly.
0.00% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Regular Share Savings Account Balance APY Up to $100 0.00% $100 – $5,000 0.05% $5,000 – $40,000Your amount 0.05% $40,000 and upMinimum Daily Balance $100. 0.05% 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 22–23
- 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