New Jersey

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Trenton, New Jersey CD Rates – 6-Month

You are viewing rates from banks across Trenton





Below are the best six-month CD Rates from banks with branches in Trenton, 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.

Trenton, NJ - August 2, 2025

6 Month CD National Average : 0.41% ?

Banks APY MIN MILES ?

Rate History: 4.51% → 4.40% → 4.35% → 4.30% → 4.40%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.40% → 4.35% → 4.00% → 4.15% → 4.40%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35%

| Jun 26, 2020

Rate not current Read More

| 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: 4.55% → 4.25% → 4.30% → 3.95% → 4.15%

| 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

Rate History: 4.25% → 4.15%

| 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

Rate History: 5.35% → 5.00% → 4.50% → 4.65% → 4.13%

Rate History: 4.40% → 4.25% → 4.15% → 4.00% → 3.90%

| 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

Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%

| 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

Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00%

| 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

Rate History: 3.00% → 2.00% → 1.50%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

0.45%

$10,000

21.35

Learn More

| 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

0.35%

$1,000

23.48

Learn More

0.35%

$100,000

24.83

Learn More

| 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

0.25%

$10,000

12.50

Learn More

0.25%

$10,000

24.83

Learn More

| 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

| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

| 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

| 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

| 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

| 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

| 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

0.05%

$1,000

18.48

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 Trenton, NJ - August 2, 2025


Branch Street City State
Valley National Bank
Hillsborough Branch
323 Route 206 Hillsborough NJ
Bank of Hope
Edison Branch
1757 Lincoln Highway (Rt. 27) Edison NJ
Customers Bank
Hamilton Branch
314 Route 33 Hamilton NJ
New Millennium Bank
New Millennium Bank Branch
222 Bridge Plaza South Fort Lee NJ
CTBC Bank Corp. (USA)
Edison Branch
1753 Route 27 Edison NJ
HSBC Bank USA, National Association
Edison Branch
1819 Route 27 Edison NJ
Capital One, National Association
South Brunswick Branch
Route 1 And Wynwood Drive South Brunswick NJ
JPMorgan Chase Bank, National Association
North Flemington Branch
318 State Route 31 Flemington NJ
Northfield Bank
Pittstown Branch
353 Pittstown Road Pittstown NJ
Magyar Bank
Branchburg Branch
1000 Route 202 Branchburg NJ
Berkshire Bank
First Choice Head Office Br Branch
669 Whitehead Road Lawrenceville NJ
Abacus Federal Savings Bank
Edison Branch
869 U.S. Route 1 South Edison NJ
Hanmi Bank
Edison Branch
1031 Us Hwy 1 South Edison NJ
Newfield National Bank
Hopewell Township Branch
720 Shiloh Pike Bridgeton NJ
Amboy Bank
Monmouth Junction Branch
460 Georges Road Dayton NJ
Cathay Bank
New Jersey Branch
1775 Route 27 Edison NJ
Hanmi Bank
Edison Branch
1031 Us Hwy 1 South Edison NJ
Bank of Hope
Edison Branch
1757 Lincoln Highway (Rt. 27) Edison NJ
Armed Forces Bank, National Association
Mcguire Exchange Branch
Building 3452 P.O. Box 16171 Mc Guire Afb NJ
BCB Community Bank
473 Spotswood/Englishtown Rd Branch
473 Spotswood/Englishtown Rd Monroe Township NJ
Somerset Regal Bank
Flemington Branch
141 Broad Street Flemington NJ
The Bank of Princeton
Lambertville Branch
10 Bridge Street Lambertville NJ
First Bank
Ewing Branch
1340 Parkway Avenue Ewing NJ
Kearny Bank
Milltown Branch
270 Ryders Lane Milltown 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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