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 346–360 results in New Jersey
- Union Building Trades Federal Credit UnionRegular Share AccountSavings · $5 min
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: A minimum deposit of $5 is required to open the Regular Share Account. Key to membership with Union Building Trades Federal Credit Union.
Effective Apr 23, 2025
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Only available when linked to a Max Cash Checking or Max Cash Back Checking account. Automatic crediting of Max Cash or Max Cash Back earnings. Enrollment in electronic services (online banking, e-statements) and log-ons required. Limit of one Max checking account per Social Security Number. Variable rate.
Offer: Earned on the entire balance when qualifications are not met in Max Cash or Max Cash Back.
Qualified rate · No monthly fee · Effective Feb 16, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Avoid a $5 monthly service charge with a $250 minimum daily balance. Minimum balance requirement waived for customers under 18.
Offer: Avoid $5 monthly service fee with a $250 minimum daily balance. Minimum balance waived for customers under 18.
0.05% interest rate · $5 monthly fee · Effective Jun 7, 2023
Rate by balance
Rate by balance for Basic Savings Account Balance APY Up to $100,000Your amount 0.05% $100,000 – $250,000 0.10% $250,000 and up 0.15% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 174 branches
0.04%APY$4 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account.
Qualified rate · 0.04% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.04% $10,000 – $25,000Your amount 0.04% $25,000 – $50,000 0.04% $50,000 – $100,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.04% $250,000 – $500,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: $4 monthly service charge waived with a $300 daily minimum balance. Interest earned on entire balance.
Offer: $4 monthly service charge waived with $300 daily minimum balance.
0.04% interest rate · $4 monthly fee · Effective Oct 15, 2026
Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.
Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).
0.04% interest rate · $8 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Offer: Minimum average daily balance to earn interest is $5.00. Suffix 0. Minimum balance requirement $25.
0.04% interest rate · Effective Jun 2, 2025
Rate checked
More details - Hamilton Horizons Federal Credit UnionRegular & Special SharesSavings · $5 min · 0.02%–0.08% by balance
Credit union · 1 branch
0.03%APY$3 a year on $10,000Requirements
Product: Membership requires purchase of a $5.00 par value share. Accounts unused for 180 days or longer with less than $5.00 may be closed after notice. The credit union reserves the right to require written notice of up to 60 days before permitting withdrawals.
0.02% interest rate · Effective Sep 16, 2026
Rate by balance
Rate by balance for Regular & Special Shares Balance APY Up to $5,000 0.02% $5,000 – $20,000Your amount 0.03% $20,000 – $50,000 0.06% $50,000 and up 0.08% Rate checked
More details - 0.03%APY$3 a year on $10,000with conditions
Requirements
Product: Once you open an Active Interest Checking or Active Cash Back Account, you can also open an Active Savings Account with $5.00 minimum opening deposit. Variable rate consumer savings account; rates may change after account opening at any time. When monthly qualifications in Active Checking are met, Tier 1 and Tier 2 rates apply; otherwise, non-qualifying base rate applies. Fees may reduce earnings.
Offer: When Active Checking qualifications are not met, interest rate of 0.03% and APY of 0.03% will be paid on the entire balance.
Qualified rate · 0.03% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.03%APY$3 a year on $10,000
0.03% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.03%APY$3 a year on $10,000
0.03% interest rate · Effective Oct 1, 2026
Rate checked
More details - OceanFirst BankMoney Market AccountMoney Market Account · $1,000 min · 0.03%–0.05% by balance
Bank · 35 branches
0.03%APY$3 a year on $10,000Requirements
Product: Requires a $1000 deposit to open. Rate may vary after account opening. Fees could reduce the earnings on the account.
Offer: Requires a $1000 deposit to open. Rate may vary after account opening. Fees could reduce the earnings on the account.
0.03% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $50,000Your amount 0.03% $50,000 and up 0.05% Rate checked
More details - 0.03%APY$3 a year on $10,000with conditions
Requirements
Product: Requires an OceanFirst Visa debit card and checking account. Available to anyone 13 years or older (customers under 18 require an adult co-signer). No monthly service fee.
Offer: Requires an OceanFirst Visa debit card and checking account. $10 funding required at opening. Rate may vary after account opening.
Qualified rate · 0.03% interest rate · No monthly fee
Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Available to anyone 13 years or older (customers under 18 require an adult co-signer). $5.00 monthly service charge waived if you maintain a $100 minimum balance.
Offer: Rate may vary after account opening. $5.00 monthly service charge waived with $100 minimum balance.
0.03% interest rate · $5 monthly fee
Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: No minimum balance requirements. Dividends posted quarterly on balances of $100 or greater. A $5 deposit in a Base Savings account is required for credit union membership.
Offer: Dividends compounded quarterly.
0.03% interest rate · Compounded quarterly
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 22–24
- 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