Best credit union CD rates in New Jersey
First Commonwealth Federal Credit Union (Pennsylvania) has the highest APY in this tracked sample of 6 institutions: 5.00% APY for 5 months, verified October 22, 2026.
These institutions list New Jersey in their operating coverage. Regional quotes apply only to the displayed ZIP, not the entire state. Only credit unions are included; share certificates are the credit union equivalent of bank CDs, and membership requirements differ by institution. Nationwide credit unions appear alongside local ones. We show each institution's highest matching APY, rather than an exhaustive market ranking. All quotes were verified within the last seven days. Membership, new-money and relationship requirements may apply; confirm eligibility and terms with the institution.
| Institution | Term / product | Minimum | Who can open | APY | Verified / evidence |
|---|---|---|---|---|---|
| First Commonwealth Federal Credit Union (Pennsylvania) | 5 monthsCertificate Special · Promotional | $500 | Membership required · branches in NJ, PA | 5.00% | October 22, 2026 Source text |
| Andrews Federal Credit Union | 15 monthsSpecial 15-Month Share Certificate · Promotional | $500 | Membership required · branches in DC, MD, NJ, VA | 4.40% | October 22, 2026 Source text |
| Navy Federal Credit Union | 12 monthsSpecial EasyStart Certificate · Promotional | $50 | Membership required · branches in 33 states | 4.35% | October 22, 2026 Source text |
| Fourleaf Federal Credit Union | 60 months60 Month Certificate · Standard | $50 | Membership required · branches in MD, NJ, NY | 4.15% | October 22, 2026 Source text |
| Visions Federal Credit Union | 24 months24-Month Share Certificate · Standard | $500 | Membership required · branches in NJ, NY, PA | 4.00% | October 22, 2026 Source text |
| PenFed Credit Union | 60 monthsMoney Market Certificate · Promotional | $1,000 | Nationwide · membership required | 3.50% | October 22, 2026 Source text |
Other New Jersey institutions we don't verify yet
These banks and credit unions serve New Jersey, but we do not publish their rates, so they are not ranked above. Check their current rates on their own websites.
- Citibank Bank · HQ Sioux Falls, SD Its website blocks automated access, so we cannot verify its rates daily. Checked October 22, 2026. Current rates on www.citi.com
Compare with public benchmarks
The highest tracked quote is 5.00% APY for 5 months. The Treasury APY-equivalent for a similar term is 4.39% (2026-10-21). The FDIC national average for a similar term is 1.39% (2026-10-19). Benchmark terms may differ; Treasury interest is exempt from state income tax.
Common questions
Which institution has the highest tracked rate?
First Commonwealth Federal Credit Union (Pennsylvania) has the highest APY in this tracked sample of 6 institutions: 5.00% APY for 5 months, verified October 22, 2026.
Who can open these CDs or share certificates?
Check the displayed minimum deposit and location. Credit union membership, new-money and relationship requirements may apply; confirm terms with the institution.
How current are these rates?
Every quote in this collection was verified within the last seven days. Source snapshots and verification dates appear in the table; rates may change before you open an account.
Related pages
Calculate CD interest · Compare CD and Treasury returns after tax · Recent rate changes