The Best Fixed Annuity and CD Rates in New Jersey

Shawn Plummer

CEO, The Annuity Expert

This guide will compare the best fixed annuity rates with the best CD rates in New Jersey.

Best 2 Year CD Rates and Fixed Annuity Rates – Local

Rate TypeCompanyRate (APY)Minimum
2-Year CD RateFederal Employees Newark0.75%$1,000.00
2- Year Fixed AnnuityOceanview Harbourview2.00%$20,000.00
APY = Annual Percentage Yield

Best 3 Year CD Rates and Fixed Annuity Rates – Local

Rate TypeCompanyRate (APY)Minimum
3-Year CD RateTogether Credit Union1.11%$1,000.00
3-Year Fixed Annuity RateOceanview Harbourview 32.50%$20,000.00
APY = Annual Percentage Yield

Best 5 Year CD Rates and Fixed Annuity Rates – Local

Rate TypeCompanyRate (APY)Minimum
5-Year CD RateTogether Credit Union1.51%$1,000.00
5-Year Fixed Annuity RateAmerico3.05%$10,000.00
APY = Annual Percentage Yield

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Best CD Rates in New Jersey

3-Month CD Rates

The following banks and credit unions have the highest CD rates for three months.

Best 3-Month CD RatesRateTermMinimum
Synchrony Bank2.25% APY3 Months$0.00
Popular Direct4.10% APY3 Months$10,000.00
TIAA Bank4.00% APY3 Months$1,000.00
TotalDirect Bank5.01% APY3 Months$25,000.00
Umbrella Bank3.75% APY3 Months$1,000.00
Ally2.00% APY3 Months$0.00
Bethpage Federal Credit Union2.25% APY3 Months$50.00
Citibank4.00% APY3 Months$500.00
Teachers Federal Credit Union5.00% APY3 Months$1,000.00

6-Month CD Rates

The following banks and credit unions have the highest CD rates for six months.

Best 6-Month CD RatesRateTermMinimum
CommunityWide FCU4.35% APY6 Months$1.000.00
PenFed Credit Union2.70% APY6 Months$1,000.00
Synchrony Bank4.25% APY6 Months$0.01
Popular Direct4.55% APY6 Months$10,000.00
First Internet Bank4.52% APY6 Months$1,000.00
Quontic Bank3.75% APY6 Months$500.00
Live Oak4.50% APY6 Months$2,500.00
Marcus by Goldman Sachs3.90% APY6 Months$500.00
NASA Federal Credit Union4.75% APY9 Months$10,000.00
Bank5 Connect4.75% APY6 Months$1,000.00
Vio Bank4.50% APY6 Months$500.00
Prime Alliance Bank5.00% APY6 Months$500.00
Jovia Financial Credit Union5.00% APY8 Months$100.00
TotalDirectBank5.01% APY6 Months$25,000.00

1-Year CD Rates

The following banks and credit unions have the highest CD rates for 12 months.

Best 12-Month CD RatesRateTermMinimum
Bread Savings5.05% APY12 Months$1,500.00
First National Bank of America4.40% APY12 Months$1,000.00
CommunityWide FCU4.70% APY12 Months$1,000.00
PenFed Credit Union4.60% APY12 Months$1,000.00
Marcus by Goldman Sachs4.50% APY12 Months$500.00
Synchrony Bank4.50% APY12 Months$0.00
Popular Direct5.00% APY12 Months$10,000.00
First Internet Bank of Indiana5.06% APY12 Months$1,000.00
Alliant Credit Union5.00% APY12 Months$1,000.00
Bethpage Federal Credit Union5.00% APY12 Months$50.00
Umbrella Bank4.20% APY12 Months$1,000.00
Limelight Bank5.15% APY12 Months$1,000.00
Forbright Bank5.25% APY12-17 Months$1,000.00
CFG Bank5.15% APY12 Months$500.00

2-Year CD Rates

The following banks and credit unions have the highest CD rates for 24 months.

Best 2-Year CD RatesRateTermMinimum
Synchrony Bank4.30% APY24 Months$0.01.00
First National Bank of America4.40% APY24 Months$1,000.00
Pentagon Federal Credit Union4.45% APY24 Months$1,000.00
Marcus by Goldman Sachs4.35% APY24 Months$500.00
Lafayette Federal Credit Union4.47% APY24 Months$500.00
Credit Human5.50% APY24 Months$500.00
Pen Air Federal Credit Union5.05% APY28 Months$500.00

3-Year CD Rates

The following banks and credit unions have the highest CD rates for 36 months.

Best 3-Year CD RatesRateTermMinimum
Bread Savings4.50% APY36 Months$1,500.00
Pentagon Federal Credit Union4.10% APY36 Months$1,000.00
Synchrony Bank4.30% APY36 Months$0.01%
First National Bank of America4.40% APY36 Months$1,000.00
Marcus by Goldman Sachs4.30% APY36 Months$500.00
Discover4.30% APY36 Months$2,500.00
Alliant Credit Union4.45% APY36 Months$1,000.00
CFG Bank4.60% APY36 Months$500.00
Popular Direct4.40% APY36 Months$10,000.00
Quontic Bank4.30% APY36 Months$500.00
Barclays4.30% APY36 Months$0.00
Randolph-Brooks Federal Credit Union4.60% APY36 Months$20,000.00
BMO Harris4.50% APY36 Months$1,000.00
Credit Human5.50% APY24-35 Months$500.00
First Internet Bank of Indiana4.54% APY36 Months$1,000.00

4-Year CD Rates

The following banks and credit unions have the highest CD rates for 48 months.

Best 4-Year CD RatesRateTermMinimum
Bread Savings4.35% APY48 Months$1,500.00
NASA Federal Credit Union4.90% APY49 Months$10,000.00
PenFed Credit Union3.90% APY48 Months$1,000.00
Synchrony Bank4.30% APY48 Months$0.01
First National Bank of America4.35% APY48 Months$1,000.00
Marcus by Goldman Sachs4.00% APY48 Months$500.00
Credit Human4.65% APY36-59 Months$500.00
All In Credit Union4.80% APY48 Months$1,000.00
University Federal Credit Union5.00% APY48 Months$1,000.00

5-Year CD Rates

The following banks and credit unions have the highest CD rates for 60 months.

Best 5-Year CD RatesRateTermMinimum
Bread Savings4.25% APY60 Months$1,500.00
Popular Direct4.45% APY60 Months$10,000.00
Synchrony Bank4.30% APY60 Months$0.00
PenFed Credit Union3.90% APY60 Months$1,000.00
First National Bank of America4.35% APY60 Months$1,000.00
Marcus by Goldman Sachs3.80% APY60 Months$500.00
Discover4.10% APY60 Months$2,500.00
Connexus Credit Union3.51% APY60 Months$5,000.00
Barclays4.30% APY60 Months$0.00
BMO Harris4.50% APY59 Months$5,000.00
Seattle Bank4.70% APY60 Months$1,000.00
Credit Human4.65% APY60 Months$500.00
First Internet Bank of Indiana4.49% APY60 Months$1,000.00
All In Credit Union5.00% APY60 Months$1,000.00

Best Fixed Annuity Rates in New Jersey

For More Rates, check out our National CD and Annuity Rate Guide.

New Jersey Insurance Plans

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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