Best 2-Year CD Rates in New Jersey, NJ

You are viewing rates from banks across New Jersey

Below are two-year Certificates of Deposit (CD) rates from banks in New Jersey. Two-year CDs generally offer a higher rate than 1-year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

NJ - August 4, 2025

2 Year CD National Average : 0.66% ^?

Banks	APY	MIN	MILES ^?
First Commerce Bank Closter Branch	5.30%	$1,000	-	Learn More Add Review
Flagstar Bank, National Association	4.25%	$500	-	Learn More
Rate History: 2.75% → 4.00% → 4.25%
One pissed off home owner \| Aug 24, 2018 Flagstar is nothing but a bunch of bitches and if they think i.m sending this check to them signed they can kiss my fuckin ass. I will let this house fall apart before they make a damn dime of me, How you... Read More Reviews (1)
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 270 days interest. Rate History: 4.10% → 4.20% → 4.15% → 4.05% → 4.15%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Prime Alliance Bank	4.11%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.90% → 4.50% → 4.25% → 4.15% → 4.11%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Canadian Imperial Bank USA	4.01%	$1,000	-	Learn More Add Review
Rate History: 4.45% → 4.20% → 3.70% → 3.70% → 4.01%
ytr0171 \| Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More
Colorado Federal Savings Bank	4.00%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months Interest. Rate History: 4.55% → 4.20% → 4.00% → 3.80% → 4.00%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More
ableBanking, a division of Northeast Bank	4.00%	$500	-	Learn More Add Review
Rate History: 4.85% → 4.25% → 3.75% → 3.50% → 4.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
M.Y. Safra Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.60%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Sallie Mae Bank	4.00%	$2,500	-	Learn More
Rate History: 4.50% → 4.20% → 4.05% → 3.75% → 4.00%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 180 days interest. Rate History: 4.40% → 4.10% → 3.80% → 3.85% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
TotalDirect, a division of City National Bank of Florida	4.00%	$25,000	-	Learn More Add Review
Rate History: 4.34% → 4.00% → 4.00% → 4.21% → 4.00%
79Thru \| Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More
Transportation Alliance Bank, Inc. d/b/a TAB Bank	4.00%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.65% → 4.20% → 3.85% → 4.06% → 4.00%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
North American Savings Bank	4.00%	$5,000	-	Learn More
Rate History: 4.50% → 4.40% → 5.40% → 4.40% → 4.00%
A Terkowitz \| Feb 15, 2024 I have always had great experiences with short-term CDs from this bank. No delays. Read More Reviews (3)
Bask Bank, a division of Texas Capital Bank	4.00%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.50% → 4.00% → 3.75% → 4.00%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
Goldman Sachs Bank	3.95%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 4.10% → 3.95%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Bank5 Connect	3.95%	$500	-	Learn More Add Review
Rate History: 4.25% → 3.95%
BW \| Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More
Rising Bank, a division of Midwest BankCentre	3.90% 3.25%	$1,000 $100,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 4.25% → 3.20% → 4.00% → 3.90%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Seattle Bank	3.90%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.40% → 4.30% → 4.05% → 3.90%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
American Express Bank, FSB	3.85%	$0	-	Learn More Add Review
Rate History: 4.75% → 4.00% → 3.50% → 3.85%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
First Internet Bank of Indiana	3.82%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.50% → 4.35% → 3.92% → 3.93% → 3.82%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Discover Bank	3.80%	$2,500	-	Learn More Add Review
Rate History: 4.20% → 4.00% → 3.60% → 4.10% → 3.80%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
Virtualbank, a division of First Horizon Bank	3.77%	$10,000	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 2% of principal.
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
Union Bank and Trust Company	3.75%	$1,000	-	Learn More
Rate History: 1.91% → 2.02% → 3.75%
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Customers Bank Hamilton Branch	3.75%	$500	-	Learn More
Rate History: 4.35% → 4.15% → 4.00% → 3.75%
James A. Elder \| Mar 25, 2020 I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More Reviews (3)
Manasquan Bank Bay Head Branch	3.75%	$500	-	Learn More
Rate History: 3.00% → 4.25% → 4.00% → 3.75%
George Adams \| Jun 8, 2016 When is your next shred date @Ramtown? Read More Reviews (1)
TIAA Bank / Everbank	3.65%	$1,000	-	Learn More Add Review
Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity. Rate History: 3.50% → 3.70% → 3.90% → 3.75% → 3.65%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
GSL Savings Bank Gsl Savings Bank Branch	3.61%	$500	-	Learn More
Rate History: 3.61% → 3.08% → 4.13% → 3.77% → 3.61%
john \| Apr 29, 2020 I called this banl there is no this rate Read More Reviews (1)
Banesco USA	3.60%	$1,000	-	Learn More
Warning: Early Withdrawal Penalty is 270 days interest. Rate History: 0.50% → 3.80% → 3.75% → 4.30% → 3.60%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
1st Colonial Community Bank Westville Branch	3.56%	$500	-	Learn More Add Review
Rate History: 2.79% → 3.56%
MainStreet Bank	3.50%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 12 months interest. Rate History: 4.50% → 3.00% → 2.75% → 3.00% → 3.50%
Capital One 360	3.50%	$0	-	Learn More Add Review
Rate History: 4.20% → 4.50% → 4.00% → 3.70% → 3.50%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.40% → 4.20% → 4.00% → 3.90% → 3.50%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
HSBC Bank USA, National Association Newpor Pavonia Branch	3.50%	$1,000	-	Learn More
Rate History: 4.00% → 4.10% → 3.50% → 3.25% → 3.50%
john \| Apr 14, 2020 I call HSBC they told me they don't have 1.85 1 year CD. current CD is 0.8 / year Read More Reviews (3)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Warning: Early withdrawal penalty is 12 months of interest Rate History: 0.60% → 4.50% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
LendingClub	3.50%	$2,500	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 5.00% → 4.50% → 4.15% → 3.75% → 3.50%
overdrawn \| Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More Reviews (21)
WebBank	3.50%	$2,500	-	Learn More
Rate History: 1.50% → 3.50%
dbestway@gmail.com \| Aug 13, 2019 I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More Reviews (2)
Citizens	3.50%	$5,000	-	Learn More Add Review
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
Vio Bank, A Division of MidFirst Bank	3.50%	$500	-	Learn More Add Review
Rate History: 3.50% → 3.50% → 3.75% → 3.50%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Capital One, National Association Freehold Branch	3.50%	$0	-	Learn More
Rate History: 4.20% → 4.00% → 3.70% → 3.60% → 3.50%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Ivy Bank, a division of Cambridge Savings Bank	3.50%	$0	-	Learn More Add Review
Rate History: 2.60% → 3.25% → 3.50%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More
New Millennium Bank New Millennium Bank Branch	3.50%	$500	-	Learn More Add Review
Rate History: 4.25% → 4.00% → 3.50% → 4.00% → 3.50%
Citizens	3.50%	$5,000	-	Learn More
Rate History: 3.75% → 3.50% → 3.75% → 3.50%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Salem Five Direct	3.50% 2.95%	$10,000 $500	-	Learn More Add Review
Warning: Early withdrawal penalty is 4% of principal withdrawn. Rate History: 5.00% → 3.25% → 5.55% → 3.25% → 3.50%
LarryMass \| Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More
Bank of Hope Bank Of Hope Branch	3.45% 0.30%	$250,000 $1,000	-	Learn More
Rate History: 3.95% → 3.70% → 3.90% → 3.60% → 3.45%
NORTY FLATZ \| Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More Reviews (1)
Bank of Whittier, National Association	3.36%	$1,000	-	Learn More Add Review
Spencer Savings Bank, SLA Parsippany Branch	3.35%	$1,000	-	Learn More
Rate History: 4.30% → 4.40% → 4.05% → 3.75% → 3.35%
Customer18 \| Mar 26, 2021 Spencer Bank is by far, the ABSOLUTE WORST Banking institution there is. The Bank - and the Headquarters - display a host of shortcomings and clearly are the most substandard bank - dealing with numerou... Read More Reviews (1)
Peak Bank, a division of Idaho First Bank	3.34%	$500	-	Learn More Add Review
Gary Smith \| Jan 28, 2025 4.75% is an introductory rate and they are not openly clear about that. Don't expect 4.75% to continue. They are otherwise competitive. Read More
Cross River Bank Cross River Bank Branch	3.30%	$500	-	Learn More
Rate History: 2.15% → 4.50% → 4.50% → 3.30%
Zman111 \| Jun 26, 2022 ACH transfers are not allowed. Called and was told that I had to set up wire transfers (and pay fees) or I could come in to the bank and get a bank check. Read More Reviews (13)
Blue Foundry Bank 753 Ridge Road Branch	3.25%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.25%
Finworth	3.20%	$50,000	-	Learn More Add Review
Geoffrey Christopher 1 \| Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More
Barclays Bank Delaware	3.00%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.50% → 4.00% → 3.75% → 3.25% → 3.00%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
Valley National Bank Edgewater Branch	3.00%	$500	-	Learn More
SadSack \| Dec 2, 2022 No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More Reviews (2)
Manufacturers and Traders Trust Company Hudson City Savings Bank Branch	3.00%	$1,000	-	Learn More
Rate History: 4.50% → 4.00% → 3.75% → 3.00%
Claire blankinship \| Aug 5, 2020 I used to go to M&T when it was still Provident Bank. M&T has been very responsive to my needs and I have been pleased with the banking experience. Read More Reviews (3)
Habib American Bank Iselin Branch	3.00%	$1,500	-	Learn More
Rate History: 2.65% → 3.00%
Ryan \| Feb 13, 2018 Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More Reviews (2)
Haddon Savings Bank Haddon Savings Bank Branch	2.85%	$500	-	Learn More Add Review
Rate History: 3.50% → 3.25% → 3.00% → 2.90% → 2.85%
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Dollar Savings Direct, a division of Emigrant Bank	2.50%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty in 180 days interest. Rate History: 3.00% → 3.00% → 5.00% → 3.00% → 2.50%
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More
My Savings Direct, a division of Emigrant Bank	2.25%	$1,000	-	Learn More Add Review
Rate History: 3.00% → 2.50% → 2.25%
not perfect but \| Apr 25, 2023 with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More
Northfield Bank Denow Road Branch	2.00%	$0	-	Learn More Add Review
JPMorgan Chase Bank, National Association Becton Dickinson Corporate Branch	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
PCB Bank Fort Lee Office Branch	1.77%	$1,000	-	Learn More Add Review
Hingham Institution for Savings	1.75%	$1,000	-	Learn More Add Review
Hingham Savings	1.75%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.65%	$1,000	-	Learn More
Rate History: 4.40% → 4.00% → 3.85% → 2.60% → 1.65%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Bank of Montreal Harris	1.50%	$1,000	-	Learn More Add Review
Rate History: 0.05% → 1.50%
GAM \| Jul 28, 2020 Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More
USAA Federal Savings Bank	1.40%	$1,000	-	Learn More Add Review
Rate History: 4.25% → 2.60% → 1.40%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Clear Sky Accounts	1.35%	$1,000	-	Learn More Add Review
Rate History: 0.90% → 1.35%
ruler009 \| May 26, 2017 Before009 Read More
OneLocal Bank	1.26%	$1,000	-	Learn More Add Review
Rate History: 1.26% → 1.50% → 1.26%
Northfield Bank	1.25%	$0	-	Learn More Add Review
Rate History: 1.00% → 2.00% → 1.25% → 2.00% → 1.25%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
Wilmington Savings Fund Society, FSB	1.00%	$2,500	-	Learn More
Rate History: 1.75% → 1.00%
schoolbus2017 \| Nov 8, 2019 farmer Read More Reviews (1)
TD Bank, National Association Beach Boulevard Branch	1.00%	$10,000	-	Learn More
Rate History: 4.00% → 1.00% → 4.00% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Fulton Bank, National Association	0.95%	$1,000	-	Learn More Add Review
Glen Rock Savings Bank Glen Rock Savings Bank Branch	0.75%	$10,000	-	Learn More Add Review
Newfield National Bank Main Road Branch	0.75%	$10,000	-	Learn More
Margaret \| Nov 6, 2022 I have been to your bank branch several times I don't want my statement to be mailed please once again I'm requesting for you to not send any oaperr statements to me i expect my privacy and you are still M... Read More Reviews (1)
Parke Bank Galloway Branch	0.75%	$500	-	Learn More
Savvysaver \| Nov 9, 2020 Here's what you will need: To be a resident of New Jersey or select Eastern Pennsylvania counties (the zip code provided in your application will receive an error stating "Zip code is not valid for this ap... Read More Reviews (2)
Provident Bank Provident Bank Branch	0.70%	$10,000	-	Learn More
Abraham Farber \| May 14, 2015 looking to refinance into a fixed equity 15 yr loan, I have now a 1st Mortg & equity line total of about 218000. looking to get about 360 & pay off the old ones & have extra, I have a 4 unit house were we ... Read More Reviews (1)
Haven Savings Bank Berkeley Heights Branch	0.70%	$10,000	-	Learn More Add Review
Monroe Savings Bank Williamstown Branch	0.70%	$10,000	-	Learn More Add Review
Alma Bank Fort Lee Federal Svgs Branch	0.65%	$10,000	-	Learn More Add Review
First Bank Lawrence Branch	0.65%	$10,000	-	Learn More
SAM \| May 24, 2021 Rate is not valid BCC needs to improve on this. Its difficult enough savers are being penalized by the FED Read More Reviews (2)
Magyar Bank North Brunswick Branch	0.65%	$10,000	-	Learn More Add Review
Hanmi Bank Edison Branch	0.65%	$100,000	-	Learn More Add Review
Unity Bank Union Branch	0.60%	$10,000	-	Learn More
CF \| Jul 11, 2020 A great bank. Rates are competitive and they have outstanding customer service. Read More Reviews (2)
Abacus Federal Savings Bank Edison Branch	0.55%	$1,000	-	Learn More Add Review
The First National Bank of Elmer Harding Branch	0.55%	$10,000	-	Learn More Add Review
Peoples Security Bank and Trust Company	0.55%	$1,000	-	Learn More Add Review
Rate History: 0.30% → 0.55%
CTBC Bank Corp. (USA) Edison Branch	0.50%	$5,000	-	Learn More Add Review
Berkshire Bank Mercerville Township Branch	0.50%	$10,000	-	Learn More
Run \| Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More Reviews (2)
Bogota Savings Bank Teaneck Branch	0.50%	$1,000	-	Learn More Add Review
Amboy Bank Sayrewoods Branch	0.50%	$5,000	-	Learn More Add Review
Hanmi Bank Edison Branch	0.50%	$10,000	-	Learn More Add Review
Citibank, National Association Englewood Branch	0.50%	$0	-	Learn More
Rate History: 2.00% → 0.50%
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Royal Business Bank	0.45%	$10,000	-	Learn More Add Review
Columbia Bank Mount Laurel Branch	0.45%	$10,000	-	Learn More
silly \| Apr 1, 2020 when I hit learn more, I get this box to rate the bank. WHY Read More Reviews (1)
Armed Forces Bank, National Association Mcguire Exchange Branch	0.45%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Crest Savings Bank Crest Savings Bank Branch	0.45%	$10,000	-	Learn More Add Review
Univest Bank and Trust Co. Ocean City Branch	0.45%	$500	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.40%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
Cathay Bank New Jersey Branch	0.40%	$50,000	-	Learn More Add Review
Kearny Bank Pompton Plains Pequannock Branch	0.40%	$500	-	Learn More Add Review
Somerset Savings Bank, SLA Raritan Branch	0.40%	$10,000	-	Learn More
DN \| Jan 11, 2020 I tried to do a re-fi loan through this place. Total nightmare. They never sent the loan disclosure prior to the closing. Imagine my surprise at closing when my cash to closing number increased by almo... Read More Reviews (2)
1st Bank of Sea Isle City 1st Bank Of Sea Isle City Branch	0.36%	$10,000	-	Learn More Add Review
The Berkshire Bank Teaneck Branch	0.35%	$10,000	-	Learn More Add Review
Lusitania Savings Bank Harrison Branch	0.35%	$10,000	-	Learn More Add Review
The Bank of Princeton Hamilton Branch	0.35%	$500	-	Learn More
Donna \| Nov 1, 2022 This local community bank “by far” exceeded my expectations of what a banking institution should be. They take the time to understand their customers needs, educatedly answer questions, and take the ti... Read More Reviews (1)
Metro City Bank Fort Lee, New Jersey Branch	0.33%	$1,000	-	Learn More
thedon \| Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More Reviews (1)
Blue Foundry Bank 753 Ridge Road Branch	0.30%	$1,000	-	Learn More Add Review
KEB Hana Bank USA, National Association Keb Hana Bank Usa, National Association Branch	0.30%	$10,000	-	Learn More Add Review
Freedom Bank (NJ) Guttenberg Branch	0.30%	$500	-	Learn More Add Review
Rate History: 4.05% → 0.30%
Franklin Bank Woolwich Branch	0.30%	$10,000	-	Learn More Add Review
The Pennsville National Bank Carneys Point Branch	0.30%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
Santander Bank, N.A. Palmyra Branch	0.25%	$501	-	Learn More
Rate History: 2.00% → 0.25%
Maggie \| May 11, 2023 They made mistakes twice and would not correct them Read More Reviews (6)
Crown Bank Crown Bank Branch	0.25%	$10,000	-	Learn More Add Review
Shinhan Bank America Fort Lee Branch	0.25%	$10,000	-	Learn More
Lori Kroko \| Mar 10, 2021 I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More Reviews (1)
Century Savings Bank 800 East Broad Street Branch	0.25%	$10,000	-	Learn More Add Review
Millville Savings Bank Millville Savings And Loan Associati Branch	0.25%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
First Hope Bank, A National Banking Association Blairstown Branch	0.20%	$0	-	Learn More Add Review
Rate History: 1.00% → 0.20%
The First National Bank of Absecon White Horse Pike Branch	0.20%	$10,000	-	Learn More Add Review
Sturdy Savings Bank North Cape May Branch	0.18%	$10,000	-	Learn More Add Review
Firstrust Savings Bank Greentree Mews Branch	0.10%	$10,000	-	Learn More Add Review
OneWest Bank, a division of First-Citizens Bank and Trust	0.05%	$500	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.01% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
U.S. Bank National Association	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
PNC Bank, National Association Rutgers University Stadium Branch	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association Woodbridge Iselin Branch	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
First Commerce Bank Closter Branch	530 Piermont Road	Closter	NJ
Customers Bank Hamilton Branch	314 Route 33	Hamilton	NJ
Manasquan Bank Bay Head Branch	85 Bridge Avenue	Bay Head	NJ
GSL Savings Bank Gsl Savings Bank Branch	6823 Bergenline Ave	Guttenberg	NJ
1st Colonial Community Bank Westville Branch	321 Broadway	Westville	NJ
HSBC Bank USA, National Association Newpor Pavonia Branch	89 River Drive	Jersey City	NJ
Capital One, National Association Freehold Branch	Routes 33 And 79 (146 South Street)	Freehold	NJ
New Millennium Bank New Millennium Bank Branch	222 Bridge Plaza South	Fort Lee	NJ
Bank of Hope Bank Of Hope Branch	7 Broad Avenue, First Floor	Palisades Park	NJ
Spencer Savings Bank, SLA Parsippany Branch	1699 Littleton Road	Parsippany	NJ
Cross River Bank Cross River Bank Branch	885 Teaneck Road	Teaneck	NJ
Blue Foundry Bank 753 Ridge Road Branch	753 Ridge Road	Lyndhurst	NJ
Valley National Bank Edgewater Branch	46 Promenade, The City Place	Edgewater	NJ
Manufacturers and Traders Trust Company Hudson City Savings Bank Branch	West 80 Century Road	Paramus	NJ
Habib American Bank Iselin Branch	1585 Oak Tree Road	Iselin	NJ
Haddon Savings Bank Haddon Savings Bank Branch	201 White Horse Pike	Haddon Heights	NJ
Northfield Bank Denow Road Branch	802 Denow Road	Pennington	NJ
JPMorgan Chase Bank, National Association Becton Dickinson Corporate Branch	1 Becton Drive	Franklin Lakes	NJ
PCB Bank Fort Lee Office Branch	1550 Lemoine Avenue	Fort Lee	NJ
TD Bank, National Association Beach Boulevard Branch	Route 9 And Beach Boulevard	Lacey Township	NJ
Ascendia Bank Glen Rock Savings Bank Branch	525 Cedar Hill Ave.	Wyckoff	NJ
Newfield National Bank Main Road Branch	North Main Road And Kay Terrace	Vineland	NJ
Parke Bank Galloway Branch	67 E Jimmie Leeds Rd	Galloway	NJ
Provident Bank Provident Bank Branch	49 Rt 202	Far Hills	NJ
Haven Savings Bank Berkeley Heights Branch	555 Springfield Avenue	Berkeley Heights	NJ
Monroe Savings Bank Williamstown Branch	1712 South Black Horse Pike	Williamstown	NJ
Alma Bank Fort Lee Federal Svgs Branch	817 Abbott Blvd	Fort Lee	NJ
First Bank Lawrence Branch	590 Lawrence Square Blvd. South	Lawrenceville	NJ
Magyar Bank North Brunswick Branch	582 Milltown Road	North Brunswick	NJ
Hanmi Bank Edison Branch	1031 Us Hwy 1 South	Edison	NJ
Unity Bank Union Branch	952 Stuyvesant Avenue	Union Township	NJ
Abacus Federal Savings Bank Edison Branch	869 U.S. Route 1 South	Edison	NJ
The First National Bank of Elmer Harding Branch	130 Harding Highway	Elmer	NJ
CTBC Bank Corp. (USA) Edison Branch	1753 Route 27	Edison	NJ
Berkshire Bank Mercerville Township Branch	840 Route 33	Mercerville	NJ
Bogota Savings Bank Teaneck Branch	819 Teaneck Road	Teaneck	NJ
Amboy Bank Sayrewoods Branch	1086 New Jersey 9 South	Old Bridge	NJ
Hanmi Bank Edison Branch	1031 Us Hwy 1 South	Edison	NJ
Citibank, National Association Englewood Branch	89 Engle Street	Englewood	NJ
Columbia Bank Mount Laurel Branch	99 Ramblewood Parkway At Route 73	Mount Laurel	NJ
Armed Forces Bank, National Association Mcguire Exchange Branch	Building 3452 P.O. Box 16171	Mc Guire Afb	NJ
Crest Savings Bank Crest Savings Bank Branch	9800 Pacific Avenue	Wildwood Crest	NJ
Univest Bank and Trust Co. Ocean City Branch	921 West Avenue	Ocean City	NJ
Cathay Bank New Jersey Branch	1775 Route 27	Edison	NJ
Kearny Bank Pompton Plains Pequannock Branch	917 Route 23	Pompton Plains	NJ
Somerset Regal Bank Raritan Branch	802 Somerset Street	Raritan	NJ
1st Bank of Sea Isle City 1st Bank Of Sea Isle City Branch	4301 Landis Avenue	Sea Isle City	NJ
The Berkshire Bank Teaneck Branch	517 Cedar Lane	Teaneck	NJ
Lusitania Savings Bank Harrison Branch	302 Frank E. Rodgers Blvd	Harrison	NJ
The Bank of Princeton Hamilton Branch	339 Route 33	Hamilton	NJ
Metro City Bank Fort Lee, New Jersey Branch	1636 Parker Avenue	Fort Lee	NJ
Bank of Hope Bank Of Hope Branch	7 Broad Avenue, First Floor	Palisades Park	NJ
Blue Foundry Bank 753 Ridge Road Branch	753 Ridge Road	Lyndhurst	NJ
Hana Bank USA, National Association Keb Hana Bank Usa, National Association Branch	2024 Center Avenue	Fort Lee	NJ
Freedom Bank Guttenberg Branch	6812 Park Avenue	Guttenberg	NJ
Franklin Bank Woolwich Branch	99 Center Square Road	Woolwich Township	NJ
The Pennsville National Bank Carneys Point Branch	Shell Road And Virginia Avenue	Carneys Point	NJ
Santander Bank, N.A. Palmyra Branch	Broad St & Garfield Av	Palmyra	NJ
Crown Bank Crown Bank Branch	400 Westminster Avenue	Elizabeth	NJ
Shinhan Bank America Fort Lee Branch	222 Main Street	Fort Lee	NJ
Century Savings Bank 800 East Broad Street Branch	800 East Broad Street	Gibbstown	NJ
Millville Savings Bank Millville Savings And Loan Associati Branch	904 West Main Street	Millville	NJ
First Hope Bank, A National Banking Association Blairstown Branch	Route 94	Blairstown	NJ
The First National Bank of Absecon White Horse Pike Branch	White Horse Pike & New Jersey Avenue	Absecon	NJ
Sturdy Savings Bank North Cape May Branch	3851 Bayshore Road	North Cape May	NJ
Firstrust Savings Bank Greentree Mews Branch	600 North Route 73, Suites #1 And #4	Marlton	NJ
PNC Bank, National Association Rutgers University Stadium Branch	1 Scarlet Knight Way	Piscataway	NJ
Bank of America, National Association Woodbridge Iselin Branch	U.S. 1 And Gill Lane	Iselin	NJ

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Two Year CDs - Branch Banks 2025

Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.

While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.

In general, if rates are rising, it makes sense not to lock up money for an extended period of time.

If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.

Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.

The advantages of a two year branch CD are:

A higher rate than 12 month CDs in return for leaving the money in the bank longer.
A fixed rate during the 24 month period.
A generally higher rate for the same term than what can be found in a branch-based bank.
FDIC insurance.
Convenience of opening and managing the CD online.

The disadvantages of a two year branch CDs are:

Rates are generally lower than on the top online savings and CD accounts.
Money is tied up for two years. Removing it early results in significant penalties.
Opening online can often take several days. Problems must be handled online or via the phone as there is no branch.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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New Jersey CD Rates – 2-Year

Branches Info around zip 10116

PRODUCT INFORMATION

Two Year CDs - Branch Banks 2025

The advantages of a two year branch CD are:

The disadvantages of a two year branch CDs are:

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