Best Local Bank Savings and Money Market Rates in New Jersey, NJ July 30, 2025

You are viewing savings rates from banks across New Jersey

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If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

NJ - July 30, 2025

Savings Account National Average Rate: 0.45% ^?

Banks	APY	MIN
Axos Bank	4.66%	$0	Learn More
Last change: ↑ 4.05% on April 28.
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 Reviews (9)
Neighbors Bank	4.60%	$25,000	Learn More
Online Savings Account. Account is indicated as not currently available to new customers, but bank accepts new customers who sign up to be notified after 1-2 weeks. Last change: ↓0.15% on March 12. Rate History: 5.15% → 5.00% → 4.85% → 4.75% → 4.60%
redstate jeff \| Oct 29, 2024 Agree with the prior review even though it is 10 years old. It is shady and it doesn't show up on other sites. However, they did pay me 5.30% and although it is recently lowered to 5.15% it is still the b... Read More Reviews (2)
PiBank, a division of Intercredit Bank, NA	4.60%	$0	Learn More
Last change: ↓ 0.15% on February 3.
Teresa McGee \| Jan 22, 2025 It wasn't all smooth. I needed to call, long wait times. In the end, I felt like the beta customer which isn't how you want to feel with a bank. Read More Reviews (1)
FitnessBank, a division of Affinity Bank	4.55%	$100	Learn More
Rate requires download of bank app and recording of over 12,500 average daily steps (or 10,000 if over age of 65). Last change: ↓0.20% on February 3. Rate History: 4.75% → 5.00% → 4.90% → 4.75% → 4.55%
JGothelf \| Oct 11, 2022 Glad to have found this one and thanks to bestcashcow for not hiding the best rates like bankrate does Read More Reviews (26)
Climate First Bank	4.46%	$50,000	Learn More
New money only. Requires Direct Deposit. Account carries a $15 monthly service charge. Rate History: 5.34% → 4.72% → 4.46%
tjgarnett \| Mar 2, 2024 Attracted to the name, but the service had too many steps so I didn't open an account. Read More Reviews (1)
Peak Bank	4.44%	$100	Learn More
Last change: ↓ 0.10% on May 3.
Rate History: 4.75% → 4.35% → 4.54% → 4.44%
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 Reviews (1)
TotalDirect, a division of City National Bank of Florida	4.41%	$2,500	Learn More
Direct Money Market Account. Rate History: 4.86% → 4.67% → 4.51% → 4.47% → 4.41%
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 Reviews (9)
Citibank, National Association Englewood Branch	4.35% 0.20%	$0 $1	Learn More
Promotional rate for 3 months up to $11,000. Requires $25,000 in new deposits within 10 days of registration. After 3 month promotional period, rate reverts to between 0.03% and 0.12%. Rate History: 5.00% → 4.75% → 5.00% → 4.50% → 4.35%
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 (22)
Brilliant Bank, a division of Equity Bank	4.35%	$2,000	Learn More
Surge Money Market. Bank reports that this rate is available for new accounts only. External transfers are limited to $5,000/day and are not free. Rate History: 4.85% → 4.70% → 4.50% → 4.40% → 4.35%
Jason T \| May 30, 2023 They really do pay this amount, but the account lacks any functionality and they are constantly looking for some sort of add-on fee to enable them to claw back the interest. Any bank with a higher rate an... Read More Reviews (6)
CFG Bank	4.32%	$1,000	Learn More
High Yield Money Market. External transfers are limited to $30,000 per week. Rate History: 4.80% → 4.65% → 4.52% → 4.37% → 4.32%
TJK \| Sep 30, 2023 CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More Reviews (51)
Vio Bank, A Division of MidFirst Bank	4.31%	$100	Learn More
Cornerstone Money Market Account. Bank reports that this account is available to new customers only. Old account holders in the savings product are earning 1.10%. Rate History: 4.56% → 4.46% → 4.41% → 4.36% → 4.31%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More Reviews (38)
TIAA Bank / Everbank	4.30%	$0	Learn More
Performance Savings Last change: ↓0.10% on January 18. Rate History: 5.15% → 5.05% → 4.75% → 4.40% → 4.30%
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 Reviews (40)
My Banking Direct, a division of New York Community Bank	4.30%	$1	Learn More
Bank was bailed out by Steven Mnuchin in March 2024 but may still fail. External transfers take at least 3 business days and are limited to $50,000/day and $200,000/month. Last change: ↓0.10% on June 21. Rate History: 4.65% → 4.55% → 4.45% → 4.40% → 4.30%
smithy1968 \| Apr 20, 2024 Even staying well within FDIC limits, the frustration isn't worth your time! Dopey bank trying desperately to avoid govt closure. Read More Reviews (34)
Rising Bank, a division of Midwest BankCentre	4.30%	$1,000	Learn More
External outbound transfers are limited to $25,000 per day. Last change: ↓0.10% on April 18. Rate History: 5.00% → 4.90% → 4.50% → 4.40% → 4.30%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More Reviews (8)
Brio Direct, a division of Webster Bank	4.30%	$5,000	Learn More
Last change: ↓ 0.05% on May 21.
Rate History: 4.35% → 4.30%
Teresa McGee \| Dec 3, 2024 I could write a long list of things that are wrong with this bank. Any positives (just the rate) are outweighed by too many negatives to list. Just heed this warning - stay away. Read More Reviews (58)
Bread Savings, a division of Bread Financial	4.25%	$100	Learn More
High-Yield Savings Account. Outbound transfers limited to $10,000/day or less. Last change: ↓0.05% on July 13. Rate History: 4.50% → 4.40% → 4.35% → 4.30% → 4.25%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More Reviews (41)
First Foundation Bank	4.25%	$1,000	Learn More
Online Savings Account Last change: ↓0.15% on May 24. Rate History: 4.90% → 4.75% → 4.50% → 4.40% → 4.25%
james \| Nov 18, 2023 bank delayed 1-2days to credit into your account, pay less interest. Read More Reviews (32)
Quontic Bank	4.25%	$100	Learn More
Quontic Money Market Account. Rate History: 4.00% → 4.75% → 4.50% → 4.25% → 4.25%
JuanVelasco \| Mar 17, 2023 STAY AWAY ! They closed my accounts with no warning. After multiple successful direct deposits and mobile checks deposits, they claimed one of the three checks I deposited a few days ago was fake. No... Read More Reviews (15)
Banesco USA	4.25%	$300	Learn More
Rate History: 4.50% → 4.40% → 4.25% → 4.00% → 4.25%
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)
Ivy Bank, a division of Cambridge Savings Bank	4.25%	$2,500	Learn More
Online Savings Account. Last change: ↓0.35% on December 18, 2024. Rate History: 5.00% → 5.30% → 5.00% → 4.60% → 4.25%
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 Reviews (25)
Forbright Bank	4.25%	$0	Learn More
Growth Savings Last change: ↓0.35% on January 8. Rate History: 5.15% → 5.30% → 5.00% → 4.60% → 4.25%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More Reviews (2)
Colorado Federal Savings Bank	4.25% 4.20%	$50,000 $1	Learn More
Last change: ↓ 0.20% on February 17.
Rate History: 4.45% → 4.45% → 4.25%
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 Reviews (16)
Merchants Bank of Indiana	4.25%	$50	Learn More
Money Market Account. Bank does not offer ACH processing; customers need to initiate ACH externally. Rate History: 5.00% → 4.75% → 4.50% → 4.25%
65JimmyJay \| Dec 12, 2022 Developed buyers remorse after they stopped raising the rate and switched to Brilliant. Read More Reviews (5)
Customers Bank Hamilton Branch	4.23%	$25,000	Learn More
Requires checking account. Rate History: 5.14% → 5.24% → 4.73% → 4.48% → 4.23%
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)
LendingClub Bank, National Association	4.20%	$0	Learn More
LevelUp Savings Account. Requires direct deposit of at least $250/month. Bank's standard online savings rate is 3.40% APY. Last change: ↓0.20% on July 15. Rate History: 5.00% → 4.75% → 4.50% → 4.40% → 4.20%
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)
Bask Bank, a division of Texas Capital Bank	4.20%	$0	Learn More
Last change: ↓ 0.15% on April 18.
Rate History: 4.65% → 4.65% → 4.50% → 4.35% → 4.20%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More Reviews (19)
Jenius Bank, a division of Sumitomo Mitsui Bank	4.20%	$0	Learn More
Last change: ↓ 0.30% on March 12.
Rate History: 5.25% → 5.05% → 4.80% → 4.50% → 4.20%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Jenius Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, an... Read More Reviews (2)
Primis Bank	4.20%	$1	Learn More
Online Savings Account. Last change: ↓0.15% on July 21. Rate History: 4.75% → 4.70% → 4.35% → 4.20%
American Banker \| Apr 7, 2023 Good luck deploying those high yield savings into profitable investments. It’s always a bad strategy … unbridled growth using volatile deposits forcing them to go out on the risk spectrum to make a dec... Read More Reviews (12)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	4.15%	$1	Learn More
High Yield Savings Account. Last change: ↓0.11% on July 15. Rate History: 5.02% → 4.52% → 4.37% → 4.26% → 4.15%
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)
M.Y. SAFRA BANK, FSB	4.15% 2.00%	$5,000 $5,000	Learn More
Rate History: 4.00% → 2.51% → 5.25% → 5.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
North American Savings Bank	4.10%	$10,000	Learn More
Rate History: 4.90% → 4.75% → 4.55% → 4.20% → 4.10%
A Terkowitz \| Feb 15, 2024 I have always had great experiences with short-term CDs from this bank. No delays. Read More Reviews (3)
ConnectOne Bank Holmdel Branch	4.10% 4.00%	$250,000 $2,500	Learn More
Last change: ↓ 0.30% on December 9, 2024.
Rate History: 4.50% → 4.00% → 3.45% → 4.40% → 4.10%
praveen raj \| Jan 18, 2024 Hi, We've noticed your website is at risk due to spammy comments and contact form submissions, making it susceptible to issues like spammy backlinks and data breaches. Don't worry—there's a simple sol... Read More Reviews (19)
Popular Direct	4.05%	$100	Learn More
Direct Savings. Bank reports that this rate is available for new accounts only. Last change: ↓0.05% on April 4. Rate History: 4.40% → 4.30% → 4.20% → 4.10% → 4.05%
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 Reviews (30)
Prime Alliance Bank	4.05%	$0	Learn More
Personal Savings Account. Last change: ↓0.10% on June 24. Rate History: 4.50% → 4.15% → 4.05%
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)
Ridgewood Savings Bank	4.05%	$10,000	Learn More
Rate History: 4.65% → 4.75% → 4.25% → 4.05%
an \| Apr 25, 2022 We would not be having all this trouble with people sealing money out of other people's bank accounts if we were to just stop using fancy banking like onlinebanki Read More Reviews (5)
Bank5 Connect	4.05% 1.50%	$25,000 $100	Learn More
Jumbo Savings. Last change: ↓0.10% on April 18. Rate History: 4.60% → 4.50% → 4.25% → 4.15% → 4.05%
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 Reviews (10)
GSL Savings Bank Gsl Savings Bank Branch	4.03%	$1,500	Learn More
Rate History: 4.29% → 3.87% → 4.29% → 4.08% → 4.03%
john \| Apr 29, 2020 I called this banl there is no this rate Read More Reviews (1)
Canadian Imperial Bank USA	4.02%	$1,000	Learn More
CIBC Agility Savings Account. Last change: ↓0.09% on July 15. Rate History: 4.38% → 4.28% → 4.21% → 4.11% → 4.02%
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 Reviews (22)
Salem Five Direct	4.01%	$0	Learn More
Bank reports that this rate is for new customers only. Bank also charges ACH transfer fees and routinely lowers rates for existing customers below those advertised. Last change: ↓0.24% on January 18. Rate History: 5.01% → 4.41% → 4.50% → 4.25% → 4.01%
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 Reviews (7)
UFB Direct, a division of Axos Bank	4.01%	$1	Learn More
UFB High Yield Savings. Bank reports that this rate is for new customers only. Rate History: 4.83% → 4.57% → 4.31% → 4.01% → 4.01%
Miles Jacobsen \| Jul 18, 2023 I got into this one back in early April for the rate. It was the first to hit 5%. I put up with all sorts of annoying thing getting the account funded (including a 5-day wait period during which they had... Read More Reviews (11)
Dollar Savings Direct, a division of Emigrant Bank	4.00%	$0	Learn More
Last change: ↓ 0.25% on January 18.
Rate History: 5.00% → 4.85% → 4.25% → 4.00%
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 Reviews (26)
Virtualbank, a division of First Horizon Bank	4.00%	$0	Learn More
eMoneyMarket Special. Bank reports that rate is extended for new money only. Rate History: 5.25% → 4.75% → 4.50% → 4.25% → 4.00%
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 Reviews (12)
CIT Bank, a division of First-Citizens Bank and Trust	4.00%	$5,000	Learn More
Platinum Savings. Bank reports that this rate is available for new accounts only. Last change: ↓0.10% on July 7. Rate History: 4.55% → 4.35% → 4.30% → 4.10% → 4.00%
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 Reviews (33)
Northern Bank Direct	4.00%	$1	Learn More
Money Market Premier. Bank reports that this rate is for new customers only. Rate History: 4.85% → 4.75% → 4.50% → 4.25% → 4.00%
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 Reviews (9)
Morgan Stanley Private Bank (Offered through ETrade)	4.00%	$0	Learn More
Last change: ↓ 0.10% on January 2.
Rate History: 4.50% → 4.25% → 4.10% → 4.00%
FROZE-ACCOUNT \| Jan 10, 2024 Account was frozen (over 400K) after they confused our account with another account / person whose name was not even very similar. We were treated like dirt after 12 years and "Guilty until Innocent". I ha... Read More Reviews (3)
TIAA Bank / Everbank	4.00% 2.02%	$50,000 $0	Learn More
Performance Money Market Rate History: 4.30% → 4.20% → 4.30% → 4.00%
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 Reviews (40)
Blue Foundry Bank 753 Ridge Road Branch	4.00%	$50,000	Learn More Add Review
Rate History: 1.80% → 1.75% → 1.70% → 4.00%
Popular Bank North Bergen Branch	4.00% 3.90% 2.00%	$250,000 $25,000 $0	Learn More
Rate History: 5.00% → 4.40% → 4.25% → 4.15% → 4.00%
Dr. E. F. Ayers; e.f.ayers@outlook.com \| Oct 2, 2015 I have a CD maturing on 11/15 please email your CD Rates and contact info. Read More Reviews (2)
Banesco USA	4.00%	$300	Learn More
Rate History: 1.35% → 5.25% → 4.75% → 4.50% → 4.00%
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)
Bank5 Connect	3.96%	$5,000	Learn More
Rate History: 3.98% → 3.96%
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 Reviews (10)
Barclays Bank Delaware	3.90%	$0	Learn More
Last change: ↓ 0.10% on April 4.
Rate History: 4.20% → 4.10% → 4.25% → 4.00% → 3.90%
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 (40)
Byline Bank	3.90%	$5,000	Learn More Add Review
Rate History: 4.75% → 3.90%
FNBO Direct	3.90% 3.81% 3.70% 3.50%	$1,000,000 $500,000 $100,000 $0	Learn More
Rate History: 4.45% → 4.20% → 4.00% → 3.90%
NRB \| Mar 14, 2018 Poor service. Condescending attitude. Savings application denied without giving reason (Equifax file had a freeze because of hacking history) and not advising customer of need to unfreeze credit file for a... Read More Reviews (4)
Sallie Mae Bank	3.90%	$0	Learn More
Last change: ↓ 0.20% on February 6.
Rate History: 4.00% → 4.25% → 4.10% → 3.90%
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)
Sallie Mae Bank	3.85%	$0	Learn More
Rate History: 4.20% → 4.10% → 4.10% → 3.90% → 3.85%
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)
Quontic Bank	3.85%	$0	Learn More
Online Savings Last change: ↓0.15% on January 4. Rate History: 4.25% → 4.50% → 4.25% → 4.00% → 3.85%
JuanVelasco \| Mar 17, 2023 STAY AWAY ! They closed my accounts with no warning. After multiple successful direct deposits and mobile checks deposits, they claimed one of the three checks I deposited a few days ago was fake. No... Read More Reviews (15)
Amboy Direct	3.82%	$1	Learn More Add Review
Climate First Bank	3.81%	$50	Learn More
Last change: ↑ 1.81% on February 4.
tjgarnett \| Mar 2, 2024 Attracted to the name, but the service had too many steps so I didn't open an account. Read More Reviews (1)
CNB Bank Direct	3.80%	$100	Learn More
Last change: ↓ 0.21% on March 24.
Rate History: 4.28% → 4.60% → 4.01% → 3.80%
Yolanda Gilruth \| Jun 12, 2022 I have a small question Read More Reviews (1)
SoFi Bank	3.80%	$0	Learn More
Last change: ↓ 0.20% on January 25.
Rate History: 4.30% → 4.30% → 4.20% → 4.00% → 3.80%
Bait and Swich \| May 17, 2022 Not what it seems. Avoid! Read More Reviews (1)
Synchrony Bank	3.80%	$0	Learn More
External transfers may take up to 3 business days and may be limited to $25,000/day. Last change: ↓0.20% on June 4. Rate History: 4.50% → 4.30% → 4.10% → 4.00% → 3.80%
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 Reviews (71)
Laurel Road, a division of KeyBank	3.80%	$0	Learn More
High-Yield Savings Account. Last change: ↓0.20% on February 24. Rate History: 4.80% → 4.50% → 4.15% → 4.00% → 3.80%
Yeller \| May 8, 2023 STAY BELOW FDIC limits. This is a desperate product unleashed from a distressed bank! Read More Reviews (1)
CTBC Bank Corp. (USA) Edison Branch	3.80%	$50,000	Learn More Add Review
My Savings Direct, a division of Emigrant Bank	3.75%	$1	Learn More
MySavings Account. Last change: ↓0.35% on May 19. Rate History: 4.35% → 4.10% → 3.75%
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 Reviews (21)
Valley Direct, a division of Valley National Bank	3.75%	$5,000	Learn More
Online transfers limited to $1,500 per day and $10,000 per month. Last change: ↓1.00% on December 19, 2024. Rate History: 4.75% → 4.00% → 4.80% → 4.75% → 3.75%
AEM \| Sep 18, 2023 I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... Read More Reviews (19)
Parke Bank Galloway Branch	3.75% 0.30%	$25,000 $2,500	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)
Citizens Bank, National Association	3.70%	$0	Learn More
Rate History: 4.50% → 4.15% → 3.90% → 3.70%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (2)
TD Bank, National Association Beach Boulevard Branch	3.70% 2.25%	$100,000 $50,000	Learn More
Rate History: 4.00% → 3.70%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Truist Bank Roebling Nj Florence Branch	3.66% 0.01%	$0 $1	Learn More
Rate History: 4.00% → 3.65% → 3.66%
Customer \| Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More Reviews (6)
Goldman Sachs Bank	3.65%	$1	Learn More
Last change: ↓ 0.10% on May 29.
Rate History: 4.25% → 4.10% → 3.90% → 3.75% → 3.65%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More Reviews (46)
First Internet Bank of Indiana	3.61%	$1,000	Learn More
Rate History: 3.76% → 3.77% → 3.77% → 3.61%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Discover Bank	3.60%	$0	Learn More
Last change: ↓ 0.10% on May 16.
Rate History: 4.00% → 3.90% → 3.75% → 3.70% → 3.60%
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 Reviews (13)
Capital One, National Association Freehold Branch	3.60%	$1	Learn More
Rate History: 4.10% → 4.00% → 3.90% → 3.80% → 3.60%
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 (16)
BMO Alto, a division of Bank of Montreal Harris	3.60%	$0	Learn More
Last change: ↓ 0.10% on April 25.
Rate History: 4.30% → 4.10% → 4.00% → 3.70% → 3.60%
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 Reviews (6)
Bank of Montreal Harris	3.56%	$250,000	Learn More
Rate History: 1.50% → 3.56%
GAM \| Jul 28, 2020 Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More Reviews (2)
Bogota Savings Bank Teaneck Branch	3.56% 2.79%	$100,000 $50,000	Learn More Add Review
Capital One 360	3.50%	$0	Learn More
360 Performance Savings Account. Rate available for new account holders only. Last change: ↓0.10% on July 2. Rate History: 3.90% → 3.80% → 3.70% → 3.60% → 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 Reviews (24)
American Express Bank, FSB	3.50%	$0	Learn More
Last change: ↓ 0.10% on July 23.
Rate History: 4.00% → 3.80% → 3.70% → 3.60% → 3.50%
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 Reviews (8)
Ally Bank	3.50%	$0	Learn More
Online Money Market Account. Ally's Online Savings account rate is only 3.75% APY. Rate History: 3.80% → 3.70% → 3.60% → 3.60% → 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 Reviews (53)
Citizens	3.50%	$1	Learn More
Last change: ↓ 0.20% on July 30.
Rate History: 4.15% → 3.70% → 3.50%
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 Reviews (37)
Wilmington Savings Fund Society, FSB	3.50% 2.50% 2.25% 2.00% 0.35% 0.25% 0.03%	$100,000 $50,000 $25,000 $10,000 $500,001 $100,001 $0	Learn More
Rate History: 4.15% → 4.00% → 3.80% → 3.60% → 3.50%
schoolbus2017 \| Nov 8, 2019 farmer Read More Reviews (1)
HSBC Bank USA, National Association Newpor Pavonia Branch	3.50% 0.01%	$1 $0	Learn More
Rate History: 3.85% → 3.75% → 3.70% → 3.60% → 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)
U.S. Bank National Association	3.50% 0.05%	$25,000 $1	Learn More
Rate History: 4.10% → 3.50%
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 (6)
First Commerce Bank Closter Branch	3.50% 1.75%	$100,000 $0	Learn More Add Review
Kearny Bank Pompton Plains Pequannock Branch	3.50%	$15,000	Learn More Add Review
TrustCo Bank Ramsey Branch	3.45%	$20,000	Learn More
Rate History: 3.55% → 3.50% → 0.07% → 0.06% → 3.45%
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 Reviews (1)
Gateway First Bank	3.40%	$1,000	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
FNBO Direct	3.35%	$1	Learn More
Last change: ↓ 0.25% on May 16.
Rate History: 4.25% → 4.25% → 3.90% → 3.60% → 3.35%
NRB \| Mar 14, 2018 Poor service. Condescending attitude. Savings application denied without giving reason (Equifax file had a freeze because of hacking history) and not advising customer of need to unfreeze credit file for a... Read More Reviews (4)
Spencer Savings Bank, SLA Parsippany Branch	3.25%	$10,000	Learn More
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)
Parke Bank Galloway Branch	3.25% 0.35%	$25,000 $100	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)
OneLocal Bank	3.25% 3.00%	$250,000 $0	Learn More Add Review
Rate History: 3.75% → 3.25%
Bank of Hope Bank Of Hope Branch	3.05%	$1,000	Learn More
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)
Citizens Bank, National Association	3.00% 2.75%	$250,000 $25,000	Learn More
Rate History: 1.00% → 3.00%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (2)
MainStreet Bank	3.00% 2.25% 1.25% 0.80%	$100,000 $50,000 $25,000 $0	Learn More Add Review
Rate History: 4.25% → 3.75% → 3.35% → 3.00%
New Millennium Bank New Millennium Bank Branch	2.75% 0.15%	$500,000 $1	Learn More Add Review
Bank of Whittier, National Association	2.60%	$250	Learn More Add Review
IncredibleBank	2.53% 1.76%	$250,000 $50,000	Learn More
Rate History: 2.50% → 3.00% → 2.53%
nonsense \| May 21, 2021 avoid this Read More Reviews (22)
Finworth	2.53%	$250,000	Learn More
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 Reviews (1)
NATIONAL COOPERATIVE BANK, N.A.	2.53%	$5,000	Learn More
JC \| Jun 1, 2021 Update: STAY AWAY FROM THIS BANK! They have no clue how to run an online bank. This bank is not ready for prime time. Nothing but problems. Customer service is dismal at best. Read More Reviews (2)
InsBank	2.53% 2.38%	$250,000 $50,000	Learn More
Rate History: 0.15% → 2.53%
judy \| Jul 7, 2022 Insbank 1 yr is 1.5 % 18month is 1.6% 7-7-2022 Read More Reviews (6)
ConnectOne Bank Holmdel Branch	2.50%	$25,000	Learn More
Rate History: 3.50% → 3.00% → 2.75% → 2.50%
praveen raj \| Jan 18, 2024 Hi, We've noticed your website is at risk due to spammy comments and contact form submissions, making it susceptible to issues like spammy backlinks and data breaches. Don't worry—there's a simple sol... Read More Reviews (19)
Capital One, National Association Freehold Branch	2.50%	$1	Learn More
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 (16)
Cross River Bank Cross River Bank Branch	2.25%	$0	Learn More
Last change: ↓ 0.35% on October 11, 2024.
Rate History: 2.60% → 2.25%
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)
Amalgamated Bank	2.25%	$1	Learn More Add Review
Last change: ↓ 0.25% on April 9.
Rate History: 2.75% → 2.50% → 2.25%
Fulton Bank, National Association	2.25% 1.95% 1.25% 0.85% 0.70% 0.60%	$250,000 $100,000 $50,000 $25,000 $10,000 $1,000	Learn More Add Review
Rate History: 2.75% → 2.55% → 2.40% → 2.25%
New Millennium Bank New Millennium Bank Branch	2.25% 1.75%	$100,000 $1,000	Learn More Add Review
Blue Foundry Bank 753 Ridge Road Branch	2.00%	$20,000	Learn More Add Review
Synchrony Bank	2.00%	$0	Learn More
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 Reviews (71)
Valley National Bank Edgewater Branch	1.65%	$10,000	Learn More
Rate History: 1.75% → 0.70% → 1.75% → 1.65%
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)
CIT Bank, a division of First-Citizens Bank and Trust	1.55%	$100	Learn More
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 Reviews (33)
Gateway First Bank	1.50%	$10	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Spencer Savings Bank, SLA Parsippany Branch	1.50%	$50,000	Learn More
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)
Haddon Savings Bank Haddon Savings Bank Branch	1.25% 0.85%	$10,000 $1	Learn More Add Review
Rate History: 1.05% → 1.10% → 1.15% → 1.20% → 1.25%
Haddon Savings Bank Haddon Savings Bank Branch	1.20%	$10,000	Learn More Add Review
Rate History: 0.95% → 1.05% → 1.10% → 1.15% → 1.20%
TrustCo Bank Ramsey Branch	1.14%	$20,000	Learn More
Rate History: 3.55% → 3.50% → 0.08% → 0.05% → 1.14%
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 Reviews (1)
Vio Bank, A Division of MidFirst Bank	1.10%	$0	Learn More
Last change: ↑ 0.09% on February 13, 2023.
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More Reviews (38)
USAA Federal Savings Bank	1.10% 0.01%	$500,000 $1	Learn More
Rate History: 1.50% → 1.45% → 1.10%
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)
Wells Fargo Bank, National Association Cranford North Ave Branch	1.01% 0.01%	$100,000 $1	Learn More
Rate History: 1.01% → 1.02% → 1.01%
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 Reviews (7)
Peoples Security Bank and Trust Company	1.00% 0.60% 0.10%	$5,000,000 $500,000 $2,500	Learn More Add Review
Rate History: 0.20% → 1.00%
Chesapeake Bank	0.90% 0.80% 0.70%	$500,000 $100,000 $25,000	Learn More
Rate History: 1.15% → 1.10% → 1.06% → 0.95% → 0.90%
ruler009 \| May 26, 2017 Before009 Read More Reviews (2)
First Internet Bank of Indiana	0.80%	$25	Learn More
Last change: ↓ 0.01% on July 28.
Rate History: 1.00% → 0.81% → 0.80%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
USAA Federal Savings Bank	0.79% 0.01%	$1,000,000 $10,000	Learn More
Last change: ↓ 0.66% on May 16.
Rate History: 1.60% → 1.50% → 1.45% → 0.79%
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 Reviews (1)
Brio Direct, a division of Webster Bank	0.70%	$500	Learn More
Bank reports that rate is for new customers only. External transfers take 3 to 6 business days and are limited to $75,000/day and $200,000/month. Rate History: 4.55% → 4.50% → 4.45% → 4.45% → 0.70%
Teresa McGee \| Dec 3, 2024 I could write a long list of things that are wrong with this bank. Any positives (just the rate) are outweighed by too many negatives to list. Just heed this warning - stay away. Read More Reviews (58)
1st Colonial Community Bank Westville Branch	0.65%	$50,000	Learn More Add Review
Habib American Bank Iselin Branch	0.60%	$1,500	Learn More
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)
Habib American Bank Iselin Branch	0.60%	$500	Learn More
Rate History: 0.35% → 0.60%
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)
MainStreet Bank	0.50%	$0	Learn More Add Review
Last change: ↑ 0.25% on August 5, 2024.
Popular Bank North Bergen Branch	0.50% 0.40% 0.35% 0.30%	$50,000 $25,000 $10,000 $0	Learn More
Rate History: 0.60% → 0.50%
Dr. E. F. Ayers; e.f.ayers@outlook.com \| Oct 2, 2015 I have a CD maturing on 11/15 please email your CD Rates and contact info. Read More Reviews (2)
Columbia Bank Mount Laurel Branch	0.50%	$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)
Haven Savings Bank Berkeley Heights Branch	0.50%	$25,000	Learn More Add Review
The Berkshire Bank Teaneck Branch	0.50%	$25,000	Learn More Add Review
Freedom Bank (NJ) Guttenberg Branch	0.40%	$0	Learn More Add Review
Valley National Bank Edgewater Branch	0.40%	$10,000	Learn More
Rate History: 0.75% → 0.65% → 1.75% → 0.50% → 0.40%
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)
MutualOne Bank	0.40%	$500	Learn More
Inbound transfers limited to $25,000/day and $100,000/month.
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
Middlesex Federal Savings, F.A.	0.40%	$50	Learn More Add Review
Bogota Savings Bank Teaneck Branch	0.35%	$100,000	Learn More Add Review
Berkshire Bank Mercerville Township Branch	0.30%	$2,500	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)
Freedom Bank (NJ) Guttenberg Branch	0.30% 0.15%	$250,000 $0	Learn More Add Review
Shinhan Bank America Fort Lee Branch	0.30%	$25,000	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)
Axos Bank	0.25%	$0	Learn More
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 Reviews (9)
WebBank	0.25%	$1,000	Learn More
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)
Cathay Bank New Jersey Branch	0.25% 0.20%	$1,000,000 $500,000	Learn More Add Review
Bogota Savings Bank Teaneck Branch	0.25%	$2,500	Learn More Add Review
Transportation Alliance Bank, Inc. d/b/a TAB Bank	0.25%	$1	Learn More
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)
KeyBank National Association	0.25%	$5,000	Learn More
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	0.25%	$25,000	Learn More
Rate History: 4.25% → 4.16% → 4.25% → 3.75% → 0.25%
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 (6)
Amboy Bank Sayrewoods Branch	0.25%	$10,000	Learn More Add Review
Columbia Bank Mount Laurel Branch	0.25%	$2,500	Learn More
silly \| Apr 1, 2020 when I hit learn more, I get this box to rate the bank. WHY Read More Reviews (1)
Alma Bank Fort Lee Federal Svgs Branch	0.25%	$2,500	Learn More Add Review
Magyar Bank North Brunswick Branch	0.25%	$2,500	Learn More Add Review
Newfield National Bank Main Road Branch	0.25%	$2,500	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)
First National Bank in Frankfort	0.20%	$0	Learn More Add Review
Amboy Bank Sayrewoods Branch	0.20%	$300	Learn More Add Review
Crown Bank Crown Bank Branch	0.20%	$25,000	Learn More Add Review
Alma Bank Fort Lee Federal Svgs Branch	0.20%	$10,000	Learn More Add Review
Haven Savings Bank Berkeley Heights Branch	0.20%	$2,500	Learn More Add Review
Shinhan Bank America Fort Lee Branch	0.20%	$2,500	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)
BCB Community Bank 987 Broadway Branch	0.20%	$10,000	Learn More
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 Reviews (1)
Magyar Bank North Brunswick Branch	0.20%	$10,000	Learn More Add Review
Century Savings Bank 800 East Broad Street Branch	0.20%	$2,500	Learn More Add Review
The First National Bank of Elmer Harding Branch	0.20%	$2,500	Learn More Add Review
Millville Savings Bank Millville Savings And Loan Associati Branch	0.20%	$2,500	Learn More Add Review
Northfield Bank Denow Road Branch	0.15% 0.01%	$35,000 $0	Learn More Add Review
Last change: ↓ 0.85% on January 31, 2024.
Rate History: 1.00% → 0.15%
Charles Schwab Bank, SSB	0.15%	$0	Learn More
Last change: ↓ 0.10% on December 6, 2024.
Rate History: 0.48% → 0.25% → 0.15%
kenbeckyreese@icloud.com \| Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More Reviews (5)
Northfield Bank	0.15%	$0	Learn More
Last change: ↓ 0.30% on June 30, 2023.
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More Reviews (1)
PCB Bank Fort Lee Office Branch	0.15%	$1,000	Learn More Add Review
Wilmington Savings Fund Society, FSB	0.15%	$0	Learn More
Rate History: 0.20% → 0.15%
schoolbus2017 \| Nov 8, 2019 farmer Read More Reviews (1)
GSL Savings Bank Gsl Savings Bank Branch	0.15%	$50	Learn More
john \| Apr 29, 2020 I called this banl there is no this rate Read More Reviews (1)
First Hope Bank, A National Banking Association Blairstown Branch	0.15% 0.08% 0.05%	$100,000 $2,500 $1,000	Learn More Add Review
Rate History: 1.00% → 0.15%
Columbia Bank Mount Laurel Branch	0.15%	$2,500	Learn More
silly \| Apr 1, 2020 when I hit learn more, I get this box to rate the bank. WHY Read More Reviews (1)
Berkshire Bank Mercerville Township Branch	0.15%	$25,000	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)
Crown Bank Crown Bank Branch	0.15%	$10,000	Learn More Add Review
Alma Bank Fort Lee Federal Svgs Branch	0.15%	$2,500	Learn More Add Review
The Berkshire Bank Teaneck Branch	0.15%	$2,500	Learn More Add Review
Unity Bank Union Branch	0.15%	$25,000	Learn More
CF \| Jul 11, 2020 A great bank. Rates are competitive and they have outstanding customer service. Read More Reviews (2)
AMG National Trust Bank Morristown Branch	0.15%	$10,000	Learn More Add Review
Armed Forces Bank, National Association Mcguire Exchange Branch	0.15%	$25,000	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Newfield National Bank Main Road Branch	0.15%	$2,500	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)
Monroe Savings Bank Williamstown Branch	0.15%	$2,500	Learn More Add Review
Franklin Bank Woolwich Branch	0.15%	$25,000	Learn More Add Review
The First National Bank of Elmer Harding Branch	0.15%	$25,000	Learn More Add Review
Crest Savings Bank Crest Savings Bank Branch	0.15%	$2,500	Learn More Add Review
Banco Bilbao Vizcaya Argenteria	0.13%	$10,000	Learn More
Rate not available in all states.
The Duffster \| May 21, 2018 I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More Reviews (2)
Chesapeake Bank	0.10%	$1	Learn More
Last change: ↓ 0.05% on September 22, 2024.
Rate History: 0.25% → 0.20% → 0.15% → 0.10%
ruler009 \| May 26, 2017 Before009 Read More Reviews (2)
OneWest Bank, a division of First-Citizens Bank and Trust	0.10%	$50	Learn More Add Review
Last change: ↑ 0.07% on March 26, 2024.
Rate History: 0.03% → 0.10%
Northfield Bank	0.10%	$0	Learn More
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More Reviews (1)
First Commerce Bank Closter Branch	0.10%	$100	Learn More Add Review
Northfield Bank Denow Road Branch	0.10% 0.05%	$100 $300	Learn More Add Review
Manasquan Bank Bay Head Branch	0.10%	$20	Learn More
George Adams \| Jun 8, 2016 When is your next shred date @Ramtown? Read More Reviews (1)
Royal Business Bank	0.10%	$10,000	Learn More Add Review
OneLocal Bank	0.10%	$25,000	Learn More Add Review
Last change: ↑ 0.10% on May 11, 2023.
IncredibleBank	0.10%	$10,000	Learn More
Last change: ↓ 0.90% on June 13, 2024.
nonsense \| May 21, 2021 avoid this Read More Reviews (22)
Berkshire Bank Mercerville Township Branch	0.10%	$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)
Glen Rock Savings Bank Glen Rock Savings Bank Branch	0.10%	$2,500	Learn More Add Review
Crown Bank Crown Bank Branch	0.10%	$2,500	Learn More Add Review
KEB Hana Bank USA, National Association Keb Hana Bank Usa, National Association Branch	0.10%	$2,500	Learn More Add Review
The Berkshire Bank Teaneck Branch	0.10%	$2,500	Learn More Add Review
BCB Community Bank 987 Broadway Branch	0.10%	$2,500	Learn More
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 Reviews (1)
Unity Bank Union Branch	0.10%	$10,000	Learn More
CF \| Jul 11, 2020 A great bank. Rates are competitive and they have outstanding customer service. Read More Reviews (2)
First Bank Lawrence Branch	0.10%	$25,000	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)
Lusitania Savings Bank Harrison Branch	0.10%	$2,500	Learn More Add Review
Somerset Savings Bank, SLA Raritan Branch	0.10%	$2,500	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)
Magyar Bank North Brunswick Branch	0.10%	$2,500	Learn More Add Review
Hanmi Bank Edison Branch	0.10%	$2,500	Learn More Add Review
Armed Forces Bank, National Association Mcguire Exchange Branch	0.10%	$2,500	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Franklin Bank Woolwich Branch	0.10%	$2,500	Learn More Add Review
Century Savings Bank 800 East Broad Street Branch	0.10%	$2,500	Learn More Add Review
The First National Bank of Elmer Harding Branch	0.10%	$2,500	Learn More Add Review
The First National Bank of Absecon White Horse Pike Branch	0.10%	$2,500	Learn More Add Review
Millville Savings Bank Millville Savings And Loan Associati Branch	0.10%	$2,500	Learn More Add Review
Crest Savings Bank Crest Savings Bank Branch	0.10%	$2,500	Learn More Add Review
Santander Bank, N.A. Palmyra Branch	0.05%	$10,000	Learn More
You must have a Premier Checking account to obtain this rate.
Maggie \| May 11, 2023 They made mistakes twice and would not correct them Read More Reviews (6)
Valley National Bank Edgewater Branch	0.05%	$100	Learn More
Rate History: 0.60% → 0.40% → 0.30% → 0.15% → 0.05%
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)
Cathay Bank New Jersey Branch	0.05%	$50,000	Learn More Add Review
Royal Business Bank	0.05%	$2,500	Learn More Add Review
Kearny Bank Pompton Plains Pequannock Branch	0.05%	$0	Learn More Add Review
Provident Bank Provident Bank Branch	0.05%	$500	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)
OceanFirst Bank, National Association Shrewsbury Branch	0.05% 0.03%	$50,000 $0	Learn More Add Review
Peoples Security Bank and Trust Company	0.05%	$0	Learn More Add Review
Abacus Federal Savings Bank Edison Branch	0.05%	$2,500	Learn More Add Review
Berkshire Bank Mercerville Township Branch	0.05%	$2,500	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)
Glen Rock Savings Bank Glen Rock Savings Bank Branch	0.05%	$2,500	Learn More Add Review
KEB Hana Bank USA, National Association Keb Hana Bank Usa, National Association Branch	0.05%	$2,500	Learn More Add Review
Unity Bank Union Branch	0.05%	$2,500	Learn More
CF \| Jul 11, 2020 A great bank. Rates are competitive and they have outstanding customer service. Read More Reviews (2)
First Bank Lawrence Branch	0.05%	$2,500	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)
AMG National Trust Bank Morristown Branch	0.05%	$2,500	Learn More Add Review
Somerset Savings Bank, SLA Raritan Branch	0.05%	$2,500	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)
The Bank of Princeton Hamilton Branch	0.05% 0.03%	$5,000 $0	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)
Hanmi Bank Edison Branch	0.05%	$2,500	Learn More Add Review
Armed Forces Bank, National Association Mcguire Exchange Branch	0.05%	$2,500	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Firstrust Savings Bank Greentree Mews Branch	0.05%	$2,500	Learn More Add Review
The First National Bank of Absecon White Horse Pike Branch	0.05%	$2,500	Learn More Add Review
Sturdy Savings Bank North Cape May Branch	0.05%	$25,000	Learn More Add Review
1st Bank of Sea Isle City 1st Bank Of Sea Isle City Branch	0.05%	$2,500	Learn More Add Review
Univest Bank and Trust Co. Ocean City Branch	0.05%	$2,500	Learn More Add Review
First Hope Bank, A National Banking Association Blairstown Branch	0.04%	$0	Learn More Add Review
Rate History: 1.00% → 0.04%
Bank of America, National Association Woodbridge Iselin Branch	0.04%	$2,500	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 (11)
Santander Bank, N.A. Palmyra Branch	0.03%	$0	Learn More
Maggie \| May 11, 2023 They made mistakes twice and would not correct them Read More Reviews (6)
First Bank Lawrence Branch	0.03%	$2,500	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)
Sturdy Savings Bank North Cape May Branch	0.03%	$2,500	Learn More Add Review
PNC Bank, National Association Rutgers University Stadium Branch	0.02%	$50,000	Learn More
Rate History: 1.00% → 0.05% → 0.02%
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)
Fulton Bank, National Association	0.02%	$0	Learn More Add Review
JPMorgan Chase Bank, National Association Becton Dickinson Corporate Branch	0.02%	$25,000	Learn More
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (25)
The Pennsville National Bank Carneys Point Branch	0.02%	$2,500	Learn More Add Review
PNC Bank, National Association Rutgers University Stadium Branch	0.01%	$2,500	Learn More
Rate History: 0.03% → 0.01%
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)
KeyBank National Association	0.01%	$1	Learn More
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)
Manufacturers and Traders Trust Company Hudson City Savings Bank Branch	0.01%	$1	Learn More
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)

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Credit Unions →

See rates for Online Banks →

Branches Info across New Jersey

Branch	Street	City	State
Citibank, National Association Englewood Branch	89 Engle Street	Englewood	NJ
Customers Bank Hamilton Branch	314 Route 33	Hamilton	NJ
ConnectOne Bank Holmdel Branch	963 Holmdel Road	Holmdel	NJ
GSL Savings Bank Gsl Savings Bank Branch	6823 Bergenline Ave	Guttenberg	NJ
Blue Foundry Bank 753 Ridge Road Branch	753 Ridge Road	Lyndhurst	NJ
ConnectOne Bank Holmdel Branch	963 Holmdel Road	Holmdel	NJ
Popular Bank North Bergen Branch	85-01 Kennedy Boulevard	North Bergen	NJ
Popular Bank North Bergen Branch	85-01 Kennedy Boulevard	North Bergen	NJ
CTBC Bank Corp. (USA) Edison Branch	1753 Route 27	Edison	NJ
Parke Bank Galloway Branch	67 E Jimmie Leeds Rd	Galloway	NJ
TD Bank, National Association Beach Boulevard Branch	Route 9 And Beach Boulevard	Lacey Township	NJ
Truist Bank Roebling Nj Florence Branch	700 Delaware Avenue	Roebling	NJ
Capital One, National Association Freehold Branch	Routes 33 And 79 (146 South Street)	Freehold	NJ
Bogota Savings Bank Teaneck Branch	819 Teaneck Road	Teaneck	NJ
HSBC Bank USA, National Association Newpor Pavonia Branch	89 River Drive	Jersey City	NJ
First Commerce Bank Closter Branch	530 Piermont Road	Closter	NJ
Kearny Bank Pompton Plains Pequannock Branch	917 Route 23	Pompton Plains	NJ
TrustCo Bank Ramsey Branch	385 N Franklin Turnpike	Ramsey	NJ
Spencer Savings Bank, SLA Parsippany Branch	1699 Littleton Road	Parsippany	NJ
Parke Bank Galloway Branch	67 E Jimmie Leeds Rd	Galloway	NJ
Bank of Hope Bank Of Hope Branch	7 Broad Avenue, First Floor	Palisades Park	NJ
Bogota Savings Bank Teaneck Branch	819 Teaneck Road	Teaneck	NJ
New Millennium Bank New Millennium Bank Branch	222 Bridge Plaza South	Fort Lee	NJ
ConnectOne Bank Holmdel Branch	963 Holmdel Road	Holmdel	NJ
Capital One, National Association Freehold Branch	Routes 33 And 79 (146 South Street)	Freehold	NJ
Cross River Bank Cross River Bank Branch	885 Teaneck Road	Teaneck	NJ
New Millennium Bank New Millennium Bank Branch	222 Bridge Plaza South	Fort Lee	NJ
TD Bank, National Association Beach Boulevard Branch	Route 9 And Beach Boulevard	Lacey Township	NJ
Blue Foundry Bank 753 Ridge Road Branch	753 Ridge Road	Lyndhurst	NJ
Popular Bank North Bergen Branch	85-01 Kennedy Boulevard	North Bergen	NJ
First Commerce Bank Closter Branch	530 Piermont Road	Closter	NJ
New Millennium Bank New Millennium Bank Branch	222 Bridge Plaza South	Fort Lee	NJ
Valley National Bank Edgewater Branch	46 Promenade, The City Place	Edgewater	NJ
Spencer Savings Bank, SLA Parsippany Branch	1699 Littleton Road	Parsippany	NJ
Haddon Savings Bank Haddon Savings Bank Branch	201 White Horse Pike	Haddon Heights	NJ
Haddon Savings Bank Haddon Savings Bank Branch	201 White Horse Pike	Haddon Heights	NJ
TrustCo Bank Ramsey Branch	385 N Franklin Turnpike	Ramsey	NJ
Wells Fargo Bank, National Association Cranford North Ave Branch	Two North Ave W	Cranford	NJ
Haddon Savings Bank Haddon Savings Bank Branch	201 White Horse Pike	Haddon Heights	NJ
1st Colonial Community Bank Westville Branch	321 Broadway	Westville	NJ
Habib American Bank Iselin Branch	1585 Oak Tree Road	Iselin	NJ
Habib American Bank Iselin Branch	1585 Oak Tree Road	Iselin	NJ
Popular Bank North Bergen Branch	85-01 Kennedy Boulevard	North Bergen	NJ
Columbia Bank Mount Laurel Branch	99 Ramblewood Parkway At Route 73	Mount Laurel	NJ
Haven Savings Bank Berkeley Heights Branch	555 Springfield Avenue	Berkeley Heights	NJ
The Berkshire Bank Teaneck Branch	517 Cedar Lane	Teaneck	NJ
Freedom Bank Guttenberg Branch	6812 Park Avenue	Guttenberg	NJ
Valley National Bank Edgewater Branch	46 Promenade, The City Place	Edgewater	NJ
Popular Bank North Bergen Branch	85-01 Kennedy Boulevard	North Bergen	NJ
Popular Bank North Bergen Branch	85-01 Kennedy Boulevard	North Bergen	NJ
Bogota Savings Bank Teaneck Branch	819 Teaneck Road	Teaneck	NJ
Parke Bank Galloway Branch	67 E Jimmie Leeds Rd	Galloway	NJ
Popular Bank North Bergen Branch	85-01 Kennedy Boulevard	North Bergen	NJ
Parke Bank Galloway Branch	67 E Jimmie Leeds Rd	Galloway	NJ
Berkshire Bank Mercerville Township Branch	840 Route 33	Mercerville	NJ
Freedom Bank Guttenberg Branch	6812 Park Avenue	Guttenberg	NJ
Shinhan Bank America Fort Lee Branch	222 Main Street	Fort Lee	NJ
Cathay Bank New Jersey Branch	1775 Route 27	Edison	NJ
Bogota Savings Bank Teaneck Branch	819 Teaneck Road	Teaneck	NJ
Amboy Bank Sayrewoods Branch	1086 New Jersey 9 South	Old Bridge	NJ
Columbia Bank Mount Laurel Branch	99 Ramblewood Parkway At Route 73	Mount Laurel	NJ
Alma Bank Fort Lee Federal Svgs Branch	817 Abbott Blvd	Fort Lee	NJ
Magyar Bank North Brunswick Branch	582 Milltown Road	North Brunswick	NJ
Newfield National Bank Main Road Branch	North Main Road And Kay Terrace	Vineland	NJ
Cathay Bank New Jersey Branch	1775 Route 27	Edison	NJ
Citibank, National Association Englewood Branch	89 Engle Street	Englewood	NJ
Amboy Bank Sayrewoods Branch	1086 New Jersey 9 South	Old Bridge	NJ
Crown Bank Crown Bank Branch	400 Westminster Avenue	Elizabeth	NJ
Alma Bank Fort Lee Federal Svgs Branch	817 Abbott Blvd	Fort Lee	NJ
Haven Savings Bank Berkeley Heights Branch	555 Springfield Avenue	Berkeley Heights	NJ
Shinhan Bank America Fort Lee Branch	222 Main Street	Fort Lee	NJ
BCB Community Bank 987 Broadway Branch	987 Broadway	Bayonne	NJ
Magyar Bank North Brunswick Branch	582 Milltown Road	North Brunswick	NJ
Century Savings Bank 800 East Broad Street Branch	800 East Broad Street	Gibbstown	NJ
The First National Bank of Elmer Harding Branch	130 Harding Highway	Elmer	NJ
Millville Savings Bank Millville Savings And Loan Associati Branch	904 West Main Street	Millville	NJ
Northfield Bank Denow Road Branch	802 Denow Road	Pennington	NJ
PCB Bank Fort Lee Office Branch	1550 Lemoine Avenue	Fort Lee	NJ
GSL Savings Bank Gsl Savings Bank Branch	6823 Bergenline Ave	Guttenberg	NJ
New Millennium Bank New Millennium Bank Branch	222 Bridge Plaza South	Fort Lee	NJ
First Hope Bank, A National Banking Association Blairstown Branch	Route 94	Blairstown	NJ
Columbia Bank Mount Laurel Branch	99 Ramblewood Parkway At Route 73	Mount Laurel	NJ
Berkshire Bank Mercerville Township Branch	840 Route 33	Mercerville	NJ
Crown Bank Crown Bank Branch	400 Westminster Avenue	Elizabeth	NJ
Alma Bank Fort Lee Federal Svgs Branch	817 Abbott Blvd	Fort Lee	NJ
Freedom Bank Guttenberg Branch	6812 Park Avenue	Guttenberg	NJ
The Berkshire Bank Teaneck Branch	517 Cedar Lane	Teaneck	NJ
Unity Bank Union Branch	952 Stuyvesant Avenue	Union Township	NJ
AMG National Trust Bank Morristown Branch	163 Madison Avenue, Suite 200	Morristown	NJ
Armed Forces Bank, National Association Mcguire Exchange Branch	Building 3452 P.O. Box 16171	Mc Guire Afb	NJ
Newfield National Bank Main Road Branch	North Main Road And Kay Terrace	Vineland	NJ
Monroe Savings Bank Williamstown Branch	1712 South Black Horse Pike	Williamstown	NJ
Franklin Bank Woolwich Branch	99 Center Square Road	Woolwich Township	NJ
The First National Bank of Elmer Harding Branch	130 Harding Highway	Elmer	NJ
Crest Savings Bank Crest Savings Bank Branch	9800 Pacific Avenue	Wildwood Crest	NJ
First Commerce Bank Closter Branch	530 Piermont Road	Closter	NJ
Northfield Bank Denow Road Branch	802 Denow Road	Pennington	NJ
Manasquan Bank Bay Head Branch	85 Bridge Avenue	Bay Head	NJ
Berkshire Bank Mercerville Township Branch	840 Route 33	Mercerville	NJ
Ascendia Bank Glen Rock Savings Bank Branch	525 Cedar Hill Ave.	Wyckoff	NJ
Crown Bank Crown Bank Branch	400 Westminster Avenue	Elizabeth	NJ
Hana Bank USA, National Association Keb Hana Bank Usa, National Association Branch	2024 Center Avenue	Fort Lee	NJ
The Berkshire Bank Teaneck Branch	517 Cedar Lane	Teaneck	NJ
BCB Community Bank 987 Broadway Branch	987 Broadway	Bayonne	NJ
Unity Bank Union Branch	952 Stuyvesant Avenue	Union Township	NJ
First Bank Lawrence Branch	590 Lawrence Square Blvd. South	Lawrenceville	NJ
Lusitania Savings Bank Harrison Branch	302 Frank E. Rodgers Blvd	Harrison	NJ
Somerset Regal Bank Raritan Branch	802 Somerset Street	Raritan	NJ
Magyar Bank North Brunswick Branch	582 Milltown Road	North Brunswick	NJ
Hanmi Bank Edison Branch	1031 Us Hwy 1 South	Edison	NJ
Armed Forces Bank, National Association Mcguire Exchange Branch	Building 3452 P.O. Box 16171	Mc Guire Afb	NJ
Franklin Bank Woolwich Branch	99 Center Square Road	Woolwich Township	NJ
Century Savings Bank 800 East Broad Street Branch	800 East Broad Street	Gibbstown	NJ
The First National Bank of Elmer Harding Branch	130 Harding Highway	Elmer	NJ
The First National Bank of Absecon White Horse Pike Branch	White Horse Pike & New Jersey Avenue	Absecon	NJ
Millville Savings Bank Millville Savings And Loan Associati Branch	904 West Main Street	Millville	NJ
Crest Savings Bank Crest Savings Bank Branch	9800 Pacific Avenue	Wildwood Crest	NJ
First Hope Bank, A National Banking Association Blairstown Branch	Route 94	Blairstown	NJ
Santander Bank, N.A. Palmyra Branch	Broad St & Garfield Av	Palmyra	NJ
Valley National Bank Edgewater Branch	46 Promenade, The City Place	Edgewater	NJ
Cathay Bank New Jersey Branch	1775 Route 27	Edison	NJ
First Hope Bank, A National Banking Association Blairstown Branch	Route 94	Blairstown	NJ
Kearny Bank Pompton Plains Pequannock Branch	917 Route 23	Pompton Plains	NJ
Provident Bank Provident Bank Branch	49 Rt 202	Far Hills	NJ
Northfield Bank Denow Road Branch	802 Denow Road	Pennington	NJ
OceanFirst Bank, National Association Shrewsbury Branch	490 Shrewsbury Plaza	Shrewsbury	NJ
Abacus Federal Savings Bank Edison Branch	869 U.S. Route 1 South	Edison	NJ
Berkshire Bank Mercerville Township Branch	840 Route 33	Mercerville	NJ
Ascendia Bank Glen Rock Savings Bank Branch	525 Cedar Hill Ave.	Wyckoff	NJ
Hana Bank USA, National Association Keb Hana Bank Usa, National Association Branch	2024 Center Avenue	Fort Lee	NJ
Unity Bank Union Branch	952 Stuyvesant Avenue	Union Township	NJ
First Bank Lawrence Branch	590 Lawrence Square Blvd. South	Lawrenceville	NJ
AMG National Trust Bank Morristown Branch	163 Madison Avenue, Suite 200	Morristown	NJ
Somerset Regal Bank Raritan Branch	802 Somerset Street	Raritan	NJ
The Bank of Princeton Hamilton Branch	339 Route 33	Hamilton	NJ
Hanmi Bank Edison Branch	1031 Us Hwy 1 South	Edison	NJ
Armed Forces Bank, National Association Mcguire Exchange Branch	Building 3452 P.O. Box 16171	Mc Guire Afb	NJ
Firstrust Savings Bank Greentree Mews Branch	600 North Route 73, Suites #1 And #4	Marlton	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
1st Bank of Sea Isle City 1st Bank Of Sea Isle City Branch	4301 Landis Avenue	Sea Isle City	NJ
Univest Bank and Trust Co. Ocean City Branch	921 West Avenue	Ocean City	NJ
First Hope Bank, A National Banking Association Blairstown Branch	Route 94	Blairstown	NJ
Bank of America, National Association Woodbridge Iselin Branch	U.S. 1 And Gill Lane	Iselin	NJ
Santander Bank, N.A. Palmyra Branch	Broad St & Garfield Av	Palmyra	NJ
OceanFirst Bank, National Association Shrewsbury Branch	490 Shrewsbury Plaza	Shrewsbury	NJ
First Bank Lawrence Branch	590 Lawrence Square Blvd. South	Lawrenceville	NJ
The Bank of Princeton Hamilton Branch	339 Route 33	Hamilton	NJ
Sturdy Savings Bank North Cape May Branch	3851 Bayshore Road	North Cape May	NJ
PNC Bank, National Association Rutgers University Stadium Branch	1 Scarlet Knight Way	Piscataway	NJ
JPMorgan Chase Bank, National Association Becton Dickinson Corporate Branch	1 Becton Drive	Franklin Lakes	NJ
The Pennsville National Bank Carneys Point Branch	Shell Road And Virginia Avenue	Carneys Point	NJ
Wells Fargo Bank, National Association Cranford North Ave Branch	Two North Ave W	Cranford	NJ
HSBC Bank USA, National Association Newpor Pavonia Branch	89 River Drive	Jersey City	NJ
PNC Bank, National Association Rutgers University Stadium Branch	1 Scarlet Knight Way	Piscataway	NJ
Truist Bank Roebling Nj Florence Branch	700 Delaware Avenue	Roebling	NJ
Manufacturers and Traders Trust Company Hudson City Savings Bank Branch	West 80 Century Road	Paramus	NJ
Northfield Bank Denow Road Branch	802 Denow Road	Pennington	NJ

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

NEW-JERSEY SAVINGS ACCOUNT ENVIRONMENT

New Jersey's banking system is regulated by several agencies at both the state and federal levels. The primary regulatory bodies overseeing banks in New Jersey include:

1. New Jersey Department of Banking and Insurance (DOBI): The DOBI regulates and supervises all banks, savings and loan associations, credit unions, and other financial institutions operating in the state. It ensures compliance with state laws, licenses financial institutions, and conducts examinations of their operations.

2. Federal Deposit Insurance Corporation (FDIC): The FDIC is an independent agency that provides deposit insurance for banks and savings associations. It also examines and supervises financial institutions to ensure their safety and soundness.

3. Office of the Comptroller of the Currency (OCC): The OCC is a federal agency responsible for regulating and supervising national banks and federal savings associations. It ensures the institutions operate in a safe and sound manner, comply with laws, and provide fair access to financial services.

4. Federal Reserve System (FRS): The Federal Reserve is the central banking system of the United States, comprising twelve regional banks. It supervises and regulates banking institutions to maintain the stability of the financial system, implement monetary policy, and protect consumer rights.

These regulatory agencies ensure that banks adhere to various laws, rules, and guidelines related to capital adequacy, risk management, consumer protection, anti-money laundering, data security, and other aspects. Regular examinations, audits, and reporting by these regulators help maintain the safety and soundness of New Jersey's banking system.

FREQUENTLY ASKED QUESTIONS ABOUT LOCAL SAVINGS RATES

Why do savings rates vary so much?

Even though rates are at levels that are historically very low, there is competition for your money. Like any active marketplace, there are buyers and sellers of goods and services at different prices. Banks have different cost structures and they also have different needs for capital. This leads to different rates.

BestCashCow’s surveys show that online banks offer higher savings and CD rates because they have lower expenses from not having to maintain brick-and-mortar locations. Therefore, we strongly recommend that all depositors consider the rates at online banks as savings and money market accounts online can easy be set up to enable quick transfers to your favorite local bank.

What is the difference between a savings account and a money market account?

The differences between a savings account and a money market account are largely arcane. Some money market accounts offer more ways access deposits by issuing checks and debit cards, but prudent consumers will compare the two interchangeably, focusing primarily on rates and service among FDIC-insured banks (or NCUA-insured, for credit unions). Most savvy consumers who plan their expenses and financial needs ahead find the additional functionality offered by money markets to be of little value and will choose whichever account (savings or money market) has the higher rate.

What does annual percentage yield (APY) mean?

Savings rates are displayed in terms of APY to indicate the effective annual-interest return, including the compounding of interest, of the course of a single year. $100,000 deposited in a savings or CD account with a 1.20% APY will earn $1,200 in the course of the year, but monthly interest in the first few months may be less than $100 a month (this also depends on the number of days in the month). Hence, the APY rate is ordinarily a couple of basis points above the real interest rates. Unlike with a Certificate of Deposit, your actual APY in a savings may vary if the rate changes.

How do I choose the right savings account and should I consider CDs?

Begin your search with the table here on BestCashCow.com that you have found. In addition to checking online savings rates, you should also check local bank rates and local credit union rates. If you are unlikely to require access to your cash for some time, you may also consider certificates of deposit (CDs). While CDs have penalties for early withdrawal that may even eat into your principal, the rates on 2, 3, 4 and 5 year CDs are ordinarily significantly higher than savings rates. Several other sections and articles on BestCashCow can also help you to identify your proper cash allocation between savings and CDs. Access these below. You should also familiarize yourself with our Savings & CD Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

8 POINT CHECKLIST FOR A GREAT BANKING RELATIONSHIP WITH YOUR LOCAL BANK

Find a bank with a location convenient to you. Location counts.
Choose a bank with good rates. Rates are important to get continued growth of your capital.
Choose a bank with an extensive network of fee-free ATM machines or which reimburses out-of-network ATM fees, if you still need to regularly access cash.
Avoid fees. Choose a bank which doesn’t have service fees provided you maintain a certain balance, which doesn’t charge for ACH inbound and outbound transfers, and which has low fees for things like international wire transfers and bounced checks.
Choose a healthy bank. If you click on a bank above, you’ll be taken to the bank’s financial detail. A healthy bank has happy employees and provides loyal service to its customers. No matter how healthy your bank is, stay within FDIC insurance limits.
Find something of value to offset what may be slightly lower rates than online accounts offer. Develop personal relationship with your bankers. Personal relationships can help you to get appropriate financial advice, and to navigate financial challenges and needs in the future. (Be careful with the financial advice you receive. Inappropriate financial advice is worth a lot less than no financial advice.) They can also put you in touch with others in your community who could be valuable personally and professionally to know. If you don't use your local savings account as an opportunity to build these relationships, you may find that you are better of banking online.
Choose a bank that is going to let you access your cash when you need. The great benefit of savings accounts over any other financial product (including CDs) is that you have absolute liquidity. If your bank in creating impediments to accessing your cash (paperwork, fees, etc.), then you need another bank.
Be aware that you can have more than one account. Having a great local savings account at a large or small bank near you can be great, but it doesn't need to stop you from opening one or more online savings accounts, or even developing a relationship with another local bank or credit union.