Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across North Plainfield
Below are the best six-month CD Rates from banks with branches in North Plainfield, 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.
North Plainfield, NJ - October 31, 2025
6 Month CD National Average : 0.41% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.15% |
$1,000 |
- |
Learn More
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Rate History: 4.75% → 4.65% → 4.35% → 4.30% → 4.15% |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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4.15% |
$500 |
18.96 |
Learn More
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Rate History: 4.50% → 5.25% → 5.00% → 4.00% → 4.15% |
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|
4.15% |
$500 |
16.34 |
Learn More
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|
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Rate History: 1.05% → 5.00% → 3.00% → 4.15% |
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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 |
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4.13% |
$500 |
16.65 |
Learn More
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Rate History: 5.35% → 5.00% → 4.50% → 4.65% → 4.13% |
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4.10% |
$1,001 |
18.84 |
Learn More
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Rate History: 4.90% → 4.75% → 4.50% → 5.00% → 4.10% |
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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 |
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|
4.00% 3.00% |
$500 $501 |
20.37 |
Learn More
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Rate History: 5.15% → 5.00% → 4.75% → 4.50% → 4.00% |
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Maggie | May 11, 2023 They made mistakes twice and would not correct them Read More |
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3.95% |
$500 |
9.87 |
Learn More
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Rate History: 4.10% → 4.05% → 3.85% → 4.00% → 3.95% |
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Mark Fitzpatrick | Apr 4, 2016 I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More |
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3.91% 0.20% |
$250,000 $1,000 |
17.93 |
Learn More
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Rate History: 4.60% → 4.50% → 4.35% → 4.16% → 3.91% |
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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 |
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3.90% |
$10,000 |
- |
Learn More
|
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Rate History: 4.30% → 4.15% → 4.10% → 4.00% → 3.90% |
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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 |
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3.90% |
$2,500 |
- |
Learn More
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Rate History: 4.25% → 4.30% → 3.95% → 4.15% → 3.90% |
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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 |
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3.60% |
$500 |
20.71 |
Learn More
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Rate History: 4.25% → 3.60% |
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SadSack | Dec 2, 2022 No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More |
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3.50% |
$0 |
21.63 |
Learn More
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Rate History: 4.20% → 4.00% → 3.90% → 3.80% → 3.50% |
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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 |
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3.50% |
$0 |
19.19 |
Learn More
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Rate History: 3.00% → 2.25% → 3.80% → 1.50% → 3.50% |
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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 |
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3.45% 0.05% |
$10,001 $10,000 |
19.08 |
Learn More
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Rate History: 4.00% → 3.00% → 2.75% → 3.51% → 3.45% |
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Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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2.78% |
$500 |
20.96 |
Learn More
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Rate History: 3.87% → 3.61% → 3.35% → 3.24% → 2.78% |
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john | Apr 29, 2020 I called this banl there is no this rate Read More |
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2.50% |
$1,000 |
17.31 |
Learn More
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1.00% |
$25,000 |
20.54 |
Learn More
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|
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Rate History: 2.51% → 2.01% → 2.00% → 1.50% → 1.00% |
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Thy King | Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More |
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0.75% |
$10,000 |
20.68 |
Learn More
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Rate History: 3.00% → 2.00% → 1.50% → 1.01% → 0.75% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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0.60% |
$10,000 |
18.08 |
Learn More
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0.50% |
$10,000 |
22.84 |
Learn More
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0.40% |
$10,000 |
16.34 |
Learn More
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0.35% |
$10,000 |
19.25 |
Learn More
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silly | Apr 1, 2020 when I hit learn more, I get this box to rate the bank. WHY Read More |
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0.25% |
$10,000 |
22.26 |
Learn More
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0.25% |
$10,000 |
18.20 |
Learn More
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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 |
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0.20% |
$1,000 |
- |
Learn More
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.20% |
$1,000 |
24.97 |
Learn More
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0.15% |
$1,000 |
21.26 |
Learn More
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Rate History: 4.25% → 4.65% → 0.15% |
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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 |
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0.15% |
$10,000 |
17.96 |
Learn More
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0.15% |
$10,000 |
23.20 |
Learn More
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ann schulster | Jan 30, 2017 Bank is offering 1.74% for 17 months, minimum deposit $17,000. This CD promotion ends on Feb 02, 2020 Read More |
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0.05% |
$1,000 |
23.34 |
Learn More
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0.03% |
$25,000 |
22.54 |
Learn More
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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 |
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0.03% |
$10,000 |
21.82 |
Learn More
|
|
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Rate History: 4.00% → 3.75% → 3.51% → 0.03% |
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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 |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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