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Image Courtesy: pixabay.com
You are viewing rates from banks across New Jersey
Below are special Certificate of Deposit special rates and terms from banks in New Jersey. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area or for credit unions in your area.
NJ - September 9, 2026
| Bank | APY | MIN | PERIOD | |
|---|---|---|---|---|
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Ocean City Branch
|
5.00% | $500 | 7 months |
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Rate History: 1.00% → 5.25% → 5.00% |
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First Commerce Bank New Jersey Closter Branch |
5.00% | $1,000 | 10 months |
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Galloway Branch
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4.55% | $500 | 13 months |
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4.25% | $0 | 10 months |
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4.15%
4.10% 4.10% |
$0
$0 |
14 months |
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Warning: This special term CD carries an early withdrawal penalty of 180 days interest, whereas the bank's 12-month CD is only very slight lower and has an early withdrawal penalty of 90 days interest. |
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4.10% | $1,000 | 7 months |
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Rate History: 3.90% → 3.80% → 3.70% → 4.00% → 4.10% |
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4.05% | $10,000 | 5 months |
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Rate History: 4.65% → 4.25% → 4.00% → 3.85% → 4.05% |
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4.03% | $500 | 7 months |
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Rate History: 3.30% → 4.03% |
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4.00% | $10,000 | 4 months |
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OneWest Bank, a division of First-Citizens Bank and Trust |
4.00% | $5,000 | 5 months |
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Pompton Plains Pequannock Branch
|
4.00% | $500 | 7 months |
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Rate History: 4.50% → 4.00% |
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Holmdel Branch
|
4.00% | $500 | 7 months |
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Early withdrawal penalty is 180 days interest. |
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4.00%
3.50% 2.60% 2.40% 2.20% 2.10% 3.50%2.60% 2.40% 2.20% 2.10% |
$1,000
$1,000 $1,000 $1,000 $1,000 $1,000 |
7 months |
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|
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Rate History: 3.30% → 3.50% → 3.30% → 3.60% → 4.00% |
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4.00% | $5,000 | 8 months |
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Rate History: 4.00% → 4.00% → 3.75% → 3.75% → 4.00% |
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4.00%
3.80% 3.75% 3.80%3.75% |
$500
$500 $500 |
11 months |
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|
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Rate History: 3.90% → 4.05% → 3.95% → 3.80% → 4.00% |
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Bay Head Branch
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4.00% | $500 | 13 months |
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Rate History: 4.85% → 4.75% → 4.00% → 3.75% → 4.00% |
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4.00% | $1,000 | 13 months |
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Rate History: 4.06% → 3.81% → 3.71% → 3.90% → 4.00% |
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4.00% | $5,000 | 13 months |
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Rate History: 4.40% → 4.20% → 3.50% → 3.75% → 4.00% |
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Rising Bank, a division of Midwest BankCentre |
4.00% | $1,000 | 15 months |
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Early Withdrawal Penalty is 180 days interest. |
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Brilliant Bank, a division of Equity Bank |
4.00% | $1,000 | 15 months |
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Rate History: 4.85% → 4.35% → 4.30% → 4.06% → 4.00% |
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4.00% | $10,000 | 15 months |
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Rate History: 4.00% → 3.50% → 4.00% → 3.50% → 4.00% |
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753 Ridge Road Branch
|
4.00% | $1,000 | 25 months |
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Rate History: 3.50% → 3.25% → 3.50% → 4.00% |
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3.95% | $5,000 | 11 months |
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11-Month No Penalty CD |
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Vio Bank, A Division of MidFirst Bank |
3.90% | $500 | 9 months |
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CIT Bank, a division of First-Citizens Bank and Trust |
3.90% | $1,000 | 11 months |
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Account cannot be closed online. Requires reaching phone representative to close. |
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North American Savings Bank, F.S.B. |
3.90% | $1,000 | 14 months |
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Rate History: 4.81% → 3.98% → 3.90% |
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Valley Direct, a division of Valley National Bank |
3.85% | $500 | 9 months |
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Rate History: 4.00% → 4.00% → 4.00% → 3.85% → 3.85% |
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Palmyra Branch
|
3.85% | $500 | 10 months |
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Rate History: 4.50% → 5.00% → 4.50% → 3.00% → 3.85% |
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Galloway Branch
|
3.82% | $500 | 15 months |
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Vio Bank, A Division of MidFirst Bank |
3.80% | $500 | 4 months |
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Rate History: 3.90% → 3.80% |
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Bank of America, National Association Woodbridge Iselin Branch |
3.80%
3.51% 3.51% |
$100,000
$10,000 |
7 months |
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|
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Rate History: 3.75% → 3.51% → 3.25% → 3.80% → 3.80% |
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Greentree Mews Branch
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3.75% | $2,500 | 5 months |
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Rate History: 4.00% → 3.75% → 3.50% → 3.25% → 3.75% |
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3.75% | $2,500 | 6 months |
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Rate History: 5.15% → 4.00% → 3.85% → 4.25% → 3.75% |
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North Bergen Branch
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3.75% | $1,000 | 7 months |
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Rate History: 5.05% → 5.15% → 5.30% → 4.95% → 3.75% |
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Citizens Bank, National Association |
3.75% | $25,000 | 8 months |
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Rate History: 4.15% → 3.65% → 4.00% → 3.75% |
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OneWest Bank, a division of First-Citizens Bank and Trust |
3.75% | $5,000 | 11 months |
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3.75% | $1,000 | 13 months |
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Rate History: 3.30% → 2.65% → 2.95% → 3.30% → 3.75% |
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Wells Fargo Bank, National Association Cranford North Ave Branch |
3.74% | $2,500 | 7 months |
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Rate History: 3.64% → 3.75% → 3.50% → 3.24% → 3.74% |
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North Bergen Branch
|
3.70% | $1,000 | 13 months |
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Rate History: 5.10% → 4.90% → 5.25% → 5.00% → 3.70% |
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3.65% | $1,000 | 25 months |
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Rate History: 3.55% → 3.50% → 3.40% → 3.55% → 3.65% |
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Wells Fargo Bank, National Association Cranford North Ave Branch |
3.64% | $2,500 | 15 months |
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Rate History: 3.74% → 3.64% |
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753 Ridge Road Branch
|
3.60% | $1,000 | 13 months |
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Rate History: 3.75% → 3.95% → 3.75% → 3.70% → 3.60% |
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3.60% | $1,000 | 13 months |
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Rate History: 4.10% → 4.30% → 3.60% → 3.60% |
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Wells Fargo Bank, National Association Cranford North Ave Branch |
3.59% | $2,500 | 11 months |
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Rate History: 3.75% → 3.50% → 3.25% → 2.99% → 3.59% |
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Edgewater Branch
|
3.55% | $500 | 3 months |
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Rate History: 4.50% → 4.00% → 4.00% → 3.55% |
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3.55% | $1,000 | 22 months |
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Rate History: 2.75% → 4.00% → 3.80% → 3.55% |
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3.50% | $50,000 | 12 months |
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PNC Bank, National Association Rutgers University Stadium Branch |
3.50% | $1,000 | 13 months |
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3.50% | $10,000 | 24 months |
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Warning: Early withdrawal penalty is 4% of principal withdrawn. |
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First Hope Bank, A National Banking Association Blairstown Branch |
3.49% | $2,500 | 13 months |
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Rate History: 1.00% → 3.49% |
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Ramsey Branch
|
3.45% | $500 | 6 months |
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Rate History: 3.50% → 3.45% → 3.40% → 3.50% → 3.45% |
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North Bergen Branch
|
3.40% | $1,000 | 19 months |
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Rate History: 4.75% → 4.60% → 4.45% → 4.30% → 3.40% |
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North Bergen Branch
|
3.35% | $1,000 | 4 months |
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|
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Rate History: 4.80% → 5.00% → 5.35% → 4.90% → 3.35% |
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3.30% | $1,000 | 7 months |
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|
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Rate History: 3.51% → 4.03% → 3.85% → 3.51% → 3.30% |
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Galloway Branch
|
3.30% | $500 | 21 months |
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|
|
U.S. Bank National Association |
3.25% | $1,000 | 7 months |
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|
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Rate History: 4.00% → 3.50% → 2.85% → 3.50% → 3.25% |
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Beach Boulevard Branch
|
3.25% | $10,000 | 12 months |
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Rate History: 4.00% → 3.75% → 3.51% → 3.00% → 3.25% |
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CIT Bank, a division of First-Citizens Bank and Trust |
3.25% | $1,000 | 13 months |
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|
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Rate History: 3.50% → 3.35% → 3.25% |
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Holmdel Branch
|
3.20% | $500 | 17 months |
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Early withdrawal penalty is 180 days interest. |
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Finworth, a division of InsBank |
3.20% | $50,000 | 22 months |
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Rate History: 4.00% → 3.95% → 3.90% → 3.50% → 3.20% |
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753 Ridge Road Branch
|
3.20% | $1,000 | 36 months |
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|
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Rate History: 3.00% → 3.55% → 0.50% → 3.20% |
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Citibank, National Association Englewood Branch |
3.00% | $0 | 5 months |
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Rate History: 2.90% → 2.00% → 4.00% → 3.50% → 3.00% |
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Greentree Mews Branch
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3.00% | $2,500 | 11 months |
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Rate History: 3.25% → 3.00% → 2.75% → 2.50% → 3.00% |
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Edison Branch
|
3.00% | $5,000 | 12 months |
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Rate History: 3.50% → 3.00% |
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U.S. Bank National Association |
3.00% | $1,000 | 13 months |
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Rate History: 3.20% → 3.67% → 2.75% → 1.71% → 3.00% |
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First Hope Bank, A National Banking Association Blairstown Branch |
3.00% | $2,500 | 23 months |
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Rate History: 1.00% → 3.00% |
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3.00% | $10,000 | 23 months |
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Rate History: 3.75% → 3.00% → 2.75% → 2.50% → 3.00% |
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3.00%
2.90% 2.80% 2.75% 2.50% 2.90%2.80% 2.75% 2.50% |
$1,000
$1,000 $1,000 $1,000 $1,000 |
59 months |
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Rate History: 2.00% → 2.50% → 2.50% → 2.75% → 3.00% |
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Bank of America, National Association Woodbridge Iselin Branch |
2.95% | $10,000 | 10 months |
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Rate History: 3.70% → 3.45% → 3.20% → 2.95% → 2.95% |
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Citibank, National Association Englewood Branch |
2.75% | $0 | 6 months |
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Rate History: 3.50% → 4.00% → 2.00% → 2.50% → 2.75% |
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Teaneck Branch
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2.75% | $1,000 | 8 months |
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Rate History: 1.00% → 3.50% → 2.75% |
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Wilmington Savings Fund Society, FSB |
2.75% | $2,500 | 11 months |
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Rate History: 4.50% → 2.25% → 3.25% → 3.00% → 2.75% |
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Dollar Savings Direct, a division of Emigrant Bank |
2.75% | $1,000 | 16 months |
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Rate History: 5.00% → 5.00% → 3.50% → 2.75% |
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Holmdel Branch
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2.75% | $500 | 23 months |
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Early withdrawal penalty is 180 days interest. |
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2.70% | $0 | 11 months |
Learn More
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Rate History: 3.00% → 2.90% → 2.80% → 2.70% → 2.70% |
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PNC Bank, National Association Rutgers University Stadium Branch |
2.60% | $1,000 | 61 months |
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Teaneck Branch
|
2.50% | $1,000 | 6 months |
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U.S. Bank National Association |
2.50% | $1,000 | 25 months |
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Rate History: 3.75% → 3.10% → 2.85% → 3.00% → 2.50% |
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PNC Bank, National Association Rutgers University Stadium Branch |
2.40% | $1,000 | 37 months |
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Greentree Mews Branch
|
2.25% | $2,500 | 23 months |
Learn More
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Rate History: 2.85% → 3.25% → 2.80% → 2.50% → 2.25% |
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PNC Bank, National Association Rutgers University Stadium Branch |
2.20% | $1,000 | 25 months |
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PNC Bank, National Association Rutgers University Stadium Branch |
2.10% | $1,000 | 19 months |
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Citibank, National Association Englewood Branch |
2.00% | $0 | 4 months |
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Rate History: 3.75% → 2.25% → 3.00% → 2.00% |
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2.00% | $1,000 | 6 months |
Learn More
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Rate History: 4.55% → 3.45% → 2.50% → 2.25% → 2.00% |
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Beach Boulevard Branch
|
2.00% | $10,001 | 6 months |
Learn More
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Rate History: 2.75% → 3.51% → 3.45% → 3.51% → 2.00% |
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Denow Road Branch
|
2.00% | $0 | 8 months |
Learn More
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Rate History: 4.25% → 3.75% → 3.25% → 1.25% → 2.00% |
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Bank of America, National Association Woodbridge Iselin Branch |
2.00% | $10,000 | 13 months |
Learn More
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Rate History: 2.75% → 2.50% → 2.25% → 2.00% → 2.00% |
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Teaneck Branch
|
2.00% | $150,000 | 17 months |
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Greentree Mews Branch
|
2.00% | $2,500 | 35 months |
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Rate History: 2.85% → 2.80% → 2.75% → 2.25% → 2.00% |
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PNC Bank, National Association Rutgers University Stadium Branch |
1.90% | $1,000 | 9 months |
Learn More
|
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Rate History: 0.05% → 1.90% |
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Bank of America, National Association Woodbridge Iselin Branch |
1.75% | $10,000 | 25 months |
Learn More
|
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The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. |
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Greentree Mews Branch
|
1.75% | $2,500 | 59 months |
Learn More
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Rate History: 2.75% → 2.65% → 2.70% → 2.00% → 1.75% |
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Hingham Institution for Savings |
1.70% | $1,000 | 13 months |
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Rate History: 1.85% → 1.70% |
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|
1.70% | $1,000 | 15 months |
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Teaneck Branch
|
1.50% | $1,000 | 27 months |
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Rate History: 1.00% → 2.53% → 1.50% |
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Ramsey Branch
|
1.25% | $500 | 12 months |
Learn More
|
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Rate History: 3.55% → 3.65% → 3.60% → 3.65% → 1.25% |
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Denow Road Branch
|
0.75% | $0 | 5 months |
Learn More
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Rate History: 5.00% → 4.75% → 4.50% → 4.00% → 0.75% |
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Hingham Institution for Savings |
0.50% | $1,000 | 2 months |
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|
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Rate History: 1.00% → 0.50% |
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JPMorgan Chase Bank, National Association Becton Dickinson Corporate Branch |
0.50% | $100,000 | 6 months |
Learn More
|
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Rate History: 2.00% → 1.50% → 1.01% → 0.75% → 0.50% |
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Ramsey Branch
|
0.40% | $500 | 18 months |
Learn More
|
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Rate History: 3.55% → 1.25% → 0.40% → 0.20% → 0.40% |
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Citibank, National Association Englewood Branch |
0.05% | $0 | 3 months |
Learn More
|
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Rate History: 3.00% → 2.25% → 2.25% → 2.00% → 0.05% |
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|
0.05% | $1,000 | 9 months |
Learn More
|
|
Rate History: 0.05% → 0.05% → 0.05% |
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Last Update on September 8, 2026
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