Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Trenton, NJ metro
- 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.
Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.
Promotional rate · $5 monthly fee · Effective Oct 17, 2026
Rate by balance
Rate by balance for Flagstar Ready Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amountMust be a new personal savings client and deposit new money. $1 minimum opening deposit. Reverts to standard non-promotional rate after 180 days. Early account closure fee may apply if closed within 180 days. 4.00% Rate checked
More details - 3.75%APY$375 a year on $10,000intro rate
Requirements
Product: Not available to open online; must be opened in person and funded with new money (funds not already on deposit at Altra). One account per member; personal accounts only (not available to Guardianship, Rep Payee, or UTMA accounts). No minimum deposit or minimum balance required. Additional deposits in-person only, up to $250,000 maximum. Earns posted APY on balances up to $250,000; amounts over $250,000 deposited to regular savings. Dividends paid monthly. Limited time offer.
Promotional rate · 3.69% interest rate · Balance cap $250,000 · Effective Jul 1, 2026
Rate checked
More details - Affinity Federal Credit UnionPerformance SavingsSavings · $5 min · 0.50%–3.25% by balance
Credit union · 1 branch
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Only available to members with a Cash Back Plus or High-Yield Checking account. Limit one per membership. To earn maximum stated rate during each Monthly Qualification Cycle (MQC), must complete at least 12 PIN or signature debit card purchases, receive at least one Direct Deposit or ACH deposit of $250+, and be enrolled in electronic statements. If qualifications are not met, 0.05% APY applies to all balances. $2 paper statement fee waived if enrolled in eStatements.
Offer: Requires qualifying checking account and meeting MQC requirements (12 debit transactions, direct deposit/ACH of $250+, eStatements enrollment). $2 monthly paper statement fee waived with eStatements.
Qualified rate · 3.20% interest rate · $2 monthly fee · Effective Mar 21, 2025
Rate by balance
Rate by balance for Performance Savings Balance APY Up to $250,000Your amount 3.25% Over $250,000Blended APY ranges from 3.25% to 1.88%. 0.50% Rate checked
More details - Self Reliance Financial Federal Credit UnionHigh Yield Savings AccountSavings · $5,000 min
Credit union · 1 branch
3.20%APY$320 a year on $10,000Requirements
Product: Must be a member of SRFFCU. Rates and APYs are variable and may change after account opening. Dividends compounded daily and credited monthly.
Offer: A minimum balance of $5,000 is required to open the account and earn the advertised APY. If balance falls below $5,000, dividends/advertised APY will not be earned. Rates and APYs are variable.
3.15% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - 3.04%APY$304 a year on $10,000
Requirements
Product: Blended rate structure. Monthly fee may apply without enrollment in e-statements and direct deposit.
3.00% interest rate · Effective Jul 31, 2026
Rate by balance
Rate by balance for Wellness Savings Balance APY $5,000 – $10,000Your amount 3.04% $10,000 – $25,000 2.02% $25,000 – $250,000 1.51% $250,000 and up 1.01% Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Opening deposits must be New to First Bank funds; transfers or withdrawals from an existing First Bank account redeposited into the new account do not qualify. First Bank reserves the right to limit the number of accounts opened. During any statement cycle, you may not make more than 6 withdrawals or transfers to another account or third party. No monthly maintenance fees.
Offer: New-to-bank funds required for opening deposit. Max 6 withdrawals/transfers per statement cycle.
Conditional rate · 0.00% interest rate · No monthly fee · Effective Oct 20, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: If unable to maintain a daily balance of $1,000.00, a $10.00 monthly maintenance fee will be imposed.
Offer: Monthly maintenance fee waived if minimum daily balance of $1,000.00 is maintained.
2.96% interest rate · $10 monthly fee · Effective Sep 18, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires maintaining a checking account with First Commerce Bank. A $15.00 monthly maintenance fee is imposed if unable to maintain a daily balance of $25,000.00.
Offer: Requires maintaining a checking account. A $15.00 monthly maintenance fee applies if a daily balance of $25,000.00 is not maintained.
Qualified rate · 2.96% interest rate · $15 monthly fee · Effective Sep 21, 2026
Rate checked
More details - Spencer Savings BankPremium Money MarketPremium Money Market · $100 min · 0.00%–2.90% by balance
Bank · 1 branch
2.90%APY$290 a year on $10,000Requirements
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 are primary residents of and live in Bucks County, PA. $15 monthly service charge can be waived.
0.00% interest rate · $15 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Premium Money Market Balance APY Up to $100 0.00% $100 – $10,000 0.25% $10,000 and upYour amount 2.90% Rate checked
More details - 2.80%APY$280 a year on $10,000
Requirements
Product: Limited Availability.
Offer: Tier for daily balance of $100,000 or less.
2.77% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for High-Yield Digital Savings Balance APY Up to $100,000Your amount 2.80% $100,001 and up 3.50% 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 · 1 branch
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 - B-M S Federal Credit UnionMoney MarketMoney Market · $2,000 min · 1.91%–2.42% by balance
Credit union · 2 branches
1.91%APY$191 a year on $10,000Requirements
Product: Dividends start only with balance of $2000 or more. NO transaction limitations.
1.90% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,000 – $19,999Your amount 1.91% $20,000 – $75,000 2.17% $75,000 and up 2.42% Rate checked
More details - Altra Federal Credit UnionBest Life Advantage Tiered SavingsSavings · $0 min · 1.90%–2.40% by balance
Credit union · 1 branch
1.90%APY$190 a year on $10,000intro rateRequirements
Product: Annual Percentage Yield (APY) based on average daily balance. Membership eligibility required. One account per member; personal accounts only. Account balance may be added to at any time; no penalty for withdrawal. No checking or direct deposit required. Limited time offer.
Promotional rate · 1.88% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Best Life Advantage Tiered Savings Balance APY Up to $14,999Your amount 1.90% $15,000 – $49,999 2.00% $50,000 – $74,999 2.10% $75,000 – $99,999 2.20% $100,000 – $149,999 2.30% $150,000 and up 2.40% Rate checked
More details - Financial Resources FCUUltra Purple SavingsSavings · $1,000 min · 0.00%–3.03% by balance
Credit union · 1 branch
1.51%APY$151 a year on $10,000Requirements
Product: Can be opened with $1,000 and requires a daily minimum balance of $10,000.
0.00% interest rate
Rate by balance
Rate by balance for Ultra Purple Savings Balance APY Up to $10,000 0.00% $10,000 – $50,000Your amount 1.51% $50,000 – $100,000 1.51% $100,000 – $250,000 2.27% $250,000 – $500,000 2.78% $500,000 and up 3.03% 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 Trenton, NJ metro
101 accounts at 32 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 2.70%
- Banks, typical
- 0.09%
- Credit unions, typical
- 0.15%
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Trenton, NJ metro
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
- HEFCUCredit union · 1 branch