New Jersey

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Manasquan, New Jersey CD Rates – 6-Month

You are viewing rates from banks across Manasquan

 

Below are the best six-month CD Rates from banks with branches in Manasquan, New Jersey . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

Manasquan, NJ - July 4, 2025

6 Month CD National Average : 0.41% ?

Banks APY MIN MILES ?

| Dec 2, 2022

No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More

Rate History: 4.85% → 4.60% → 4.50% → 4.35% → 4.16%

| 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

Rate History: 4.90% → 4.75% → 4.50% → 5.00% → 4.10%

| 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

Rate History: 4.00% → 3.75%

| 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

| Jun 8, 2016

When is your next shred date @Ramtown? Read More

0.25%

$10,000

20.91

Learn More

0.25%

$10,000

5.89

Learn More
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 Manasquan, NJ - July 4, 2025


Branch Street City State
Valley National Bank
Manalapan Branch
801 Tennent Road Manalapan NJ
Bank of Hope
Bank Of Hope Branch
7 Broad Avenue, First Floor Palisades Park NJ
Manufacturers and Traders Trust Company
108 Lacey Road Branch
108 Lacey Road Whiting NJ
Bank of America, National Association
Route 1 Branch
Pathmark Supermarket, Route 1 And Emmons Drive West Windsor NJ
Manasquan Bank
Ramtown Branch
167 Newton's Corner And Ramtown Road Howell NJ
Amboy Bank
Millstone Branch
514 New Jersey 33 Millstone Township NJ
Crown Bank
Brick Branch
273 Brick Boulevard Brick NJ
Bank of Hope
Bank Of Hope Branch
7 Broad Avenue, First Floor Palisades Park NJ
OceanFirst Bank, National Association
Whiting Branch
400 Lacey Road Whiting NJ


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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

  • Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
  • The deposited money is committed for six months.
  • Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

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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