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CD Rates in New Jersey, – February 2026

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Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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CD Rates in New Jersey, Category :

Search and compare New Jersey, CD rates from banks and credit unions. Our CD interest rate tables for New Jersey, include 3 month rates, 6 month rates, 12 month rates, 18 month rates, 24 month rates, 36 month rates, 48 month rates and 60 month rates. You can search for the best CD rates in New Jersey, or by zip code. Once you have entered your search criteria a list of the highest New Jersey, CD rates will be displayed. MonitorBankRates also offers a free CD calculator and CD ladder calculator you can use to calculate your certificate of deposit investment return. .

Current New Jersey, Category CD Rates

No featured rates currently available for sentences.

Find the best CD rates in New Jersey, today. Our real-time rate table below compares offers from top lenders to help you grow your savings. Whether you are looking for a short-term certificate or a long-term investment in , comparing APYs is the best way to maximize your earnings.

Last Updated: February 15, 2026

CD Rates in New Jersey, and Area

Rates shown are recent market averages and representative quotes. Actual rates may vary.

Last Updated: February 15, 2026

No rates found for 3 Months in New Jersey, currently.

No rates found for 6 Months in New Jersey, currently.

No rates found for 12 Months in New Jersey, currently.

No rates found for 18 Months in New Jersey, currently.

No rates found for 24 Months in New Jersey, currently.

No rates found for 36 Months in New Jersey, currently.

No rates found for 48 Months in New Jersey, currently.

No rates found for 60 Months in New Jersey, currently.

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

New Jersey, Category Jumbo CD Rates

Jumbo CD rates in New Jersey, Category are usually higher than standard New Jersey, CD rates because they require a larger opening deposit.While regular CDs can often be opened with minimal funds, New Jersey, Category jumbo certificates of deposit typically require a minimum opening balance of $100,000. Banks and credit unions in New Jersey, Category and the surrounding area reward this larger commitment with premium cd rates that can significantly outperform standard savings or money market accounts. When opening these larger accounts, it is important to verify that your funds remain within FDIC or NCUA limits to ensure your principal is fully insured

New Jersey, Category Credit Union CD Rates

When comparing New Jersey, CD rates from credit unions make sure to choose a New Jersey, credit union that has deposits insured by the National Credit Union Administration (NCUA).This federal protection covers both your principal investment and any interest you have earned up to the limit, ensuring your savings remain safe even in the unlikely event of a credit union failure.

Methodology & Data Sources

Local Rate Aggregation: MonitorBankRates tracks CD rates for New Jersey, Category by aggregating data from local banks, local credit unions, and national online institutions. Our proprietary technology scans constantly to ensure you see the most competitive yields available in your area, including promotional offers from community institutions that may not be listed on national comparison sites.

Data Accuracy: The rates displayed for New Jersey, Category reflect current market offers. We prioritize data from institutions that are FDIC or NCUA insured to ensure your deposits are safe, and we verify these figures against the institution's published deposit terms to maintain high reliability for savers in .

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in New Jersey, Category. It is always advisable to check with the specific financial institution's official website for the most current offers and terms.

New Jersey, Rates & Resources

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New Jersey, Category Savings Rates
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New Jersey, Category Mortgage Rates

Banks in New Jersey,

New Jersey FDIC Insured Banks

There are no FDIC insured banks in New Jersey
How to Find the Best CD in New Jersey, Category
  1. Compare APYThe APY determines how much interest you will earn. Always look for the highest APY to maximize your earnings over the CD term.
  2. Check MinimumsSome high-yield CDs require a larger initial deposit (e.g. $1,000 or $5,000). Ensure you can meet these minimums.
  3. Review PenaltiesCDs lock your money for a set term. If you withdraw early, you may face penalties (often 3-6 months of interest).
  4. Verify InsuranceEnsure your money is safe. Banks should be FDIC insured, and Credit Unions should be NCUA insured up to $250,000.
Frequently Asked Questions for New Jersey, Category
What are the current CD rates in New Jersey, Category? ▼
Below is a list of the top current CD rates available for New Jersey, Category:
Neffs National Bank4.50% APY (12-Month CD)
ACMG Federal Credit Union4.35% APY (12-Month CD)
Centinel Bank of Taos4.35% APY (12-Month CD)
MCT Credit Union4.34% APY (12-Month CD)
Mid-America Bank4.30% APY (12-Month CD (Jumbo))
Mid-America Bank4.30% APY (60-Month CD (Jumbo))
GTE Financial Credit Union4.28% APY (12-Month CD (Jumbo))
Lake Elmo Bank4.27% APY (9-Month CD (Add-vantage))
IAM Federal Credit Union4.25% APY (12-Month CD)
America First Federal Credit Union4.20% APY (60-Month CD)
Last Updated: February 15, 2026
CD rates shown are recent from the last updated date. Current CD rates may vary.
Are CD rates fixed? ▼
Yes, typically CD rates are fixed for the entire term (e.g. 1 year, 5 years). This protects you if market rates drop, but means you won't benefit if rates rise.
Is my money safe in a CD? ▼
Yes, as long as the bank is FDIC insured or the credit union is NCUA insured, your deposit is protected up to $250,000.
Can I add money to a CD? ▼
Usually, no. Standard CDs require a one-time deposit at opening. To add more funds later, you would typically need to open a new CD.