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 Type | Company | Rate (APY) | Minimum |
|---|---|---|---|
| 2-Year CD Rate | Federal Employees Newark | 0.75% | $1,000.00 |
| 2- Year Fixed Annuity | Oceanview Harbourview | 2.00% | $20,000.00 |
Best 3 Year CD Rates and Fixed Annuity Rates – Local
| Rate Type | Company | Rate (APY) | Minimum |
|---|---|---|---|
| 3-Year CD Rate | Together Credit Union | 1.11% | $1,000.00 |
| 3-Year Fixed Annuity Rate | Oceanview Harbourview 3 | 2.50% | $20,000.00 |
Best 5 Year CD Rates and Fixed Annuity Rates – Local
| Rate Type | Company | Rate (APY) | Minimum |
|---|---|---|---|
| 5-Year CD Rate | Together Credit Union | 1.51% | $1,000.00 |
| 5-Year Fixed Annuity Rate | Americo | 3.05% | $10,000.00 |
Popular Bank Rate Searches
- Marcus By Goldman Sachs
- Edward Jones
- Truist Bank
- Ally Bank
- Bank of America
- Wells Fargo
- Capital One
- Chase
- Vanguard
- Synchrony Bank
- CitiBank
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 Rates | Rate | Term | Minimum |
|---|---|---|---|
| Synchrony Bank | 2.25% APY | 3 Months | $0.00 |
| Popular Direct | 4.10% APY | 3 Months | $10,000.00 |
| TIAA Bank | 4.00% APY | 3 Months | $1,000.00 |
| TotalDirect Bank | 5.01% APY | 3 Months | $25,000.00 |
| Umbrella Bank | 3.75% APY | 3 Months | $1,000.00 |
| Ally | 2.00% APY | 3 Months | $0.00 |
| Bethpage Federal Credit Union | 2.25% APY | 3 Months | $50.00 |
| Citibank | 4.00% APY | 3 Months | $500.00 |
| Teachers Federal Credit Union | 5.00% APY | 3 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 Rates | Rate | Term | Minimum |
|---|---|---|---|
| CommunityWide FCU | 4.35% APY | 6 Months | $1.000.00 |
| PenFed Credit Union | 2.70% APY | 6 Months | $1,000.00 |
| Synchrony Bank | 4.25% APY | 6 Months | $0.01 |
| Popular Direct | 4.55% APY | 6 Months | $10,000.00 |
| First Internet Bank | 4.52% APY | 6 Months | $1,000.00 |
| Quontic Bank | 3.75% APY | 6 Months | $500.00 |
| Live Oak | 4.50% APY | 6 Months | $2,500.00 |
| Marcus by Goldman Sachs | 3.90% APY | 6 Months | $500.00 |
| NASA Federal Credit Union | 4.75% APY | 9 Months | $10,000.00 |
| Bank5 Connect | 4.75% APY | 6 Months | $1,000.00 |
| Vio Bank | 4.50% APY | 6 Months | $500.00 |
| Prime Alliance Bank | 5.00% APY | 6 Months | $500.00 |
| Jovia Financial Credit Union | 5.00% APY | 8 Months | $100.00 |
| TotalDirectBank | 5.01% APY | 6 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 Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 5.05% APY | 12 Months | $1,500.00 |
| First National Bank of America | 4.40% APY | 12 Months | $1,000.00 |
| CommunityWide FCU | 4.70% APY | 12 Months | $1,000.00 |
| PenFed Credit Union | 4.60% APY | 12 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.50% APY | 12 Months | $500.00 |
| Synchrony Bank | 4.50% APY | 12 Months | $0.00 |
| Popular Direct | 5.00% APY | 12 Months | $10,000.00 |
| First Internet Bank of Indiana | 5.06% APY | 12 Months | $1,000.00 |
| Alliant Credit Union | 5.00% APY | 12 Months | $1,000.00 |
| Bethpage Federal Credit Union | 5.00% APY | 12 Months | $50.00 |
| Umbrella Bank | 4.20% APY | 12 Months | $1,000.00 |
| Limelight Bank | 5.15% APY | 12 Months | $1,000.00 |
| Forbright Bank | 5.25% APY | 12-17 Months | $1,000.00 |
| CFG Bank | 5.15% APY | 12 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 Rates | Rate | Term | Minimum |
|---|---|---|---|
| Synchrony Bank | 4.30% APY | 24 Months | $0.01.00 |
| First National Bank of America | 4.40% APY | 24 Months | $1,000.00 |
| Pentagon Federal Credit Union | 4.45% APY | 24 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.35% APY | 24 Months | $500.00 |
| Lafayette Federal Credit Union | 4.47% APY | 24 Months | $500.00 |
| Credit Human | 5.50% APY | 24 Months | $500.00 |
| Pen Air Federal Credit Union | 5.05% APY | 28 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 Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.50% APY | 36 Months | $1,500.00 |
| Pentagon Federal Credit Union | 4.10% APY | 36 Months | $1,000.00 |
| Synchrony Bank | 4.30% APY | 36 Months | $0.01% |
| First National Bank of America | 4.40% APY | 36 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.30% APY | 36 Months | $500.00 |
| Discover | 4.30% APY | 36 Months | $2,500.00 |
| Alliant Credit Union | 4.45% APY | 36 Months | $1,000.00 |
| CFG Bank | 4.60% APY | 36 Months | $500.00 |
| Popular Direct | 4.40% APY | 36 Months | $10,000.00 |
| Quontic Bank | 4.30% APY | 36 Months | $500.00 |
| Barclays | 4.30% APY | 36 Months | $0.00 |
| Randolph-Brooks Federal Credit Union | 4.60% APY | 36 Months | $20,000.00 |
| BMO Harris | 4.50% APY | 36 Months | $1,000.00 |
| Credit Human | 5.50% APY | 24-35 Months | $500.00 |
| First Internet Bank of Indiana | 4.54% APY | 36 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 Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.35% APY | 48 Months | $1,500.00 |
| NASA Federal Credit Union | 4.90% APY | 49 Months | $10,000.00 |
| PenFed Credit Union | 3.90% APY | 48 Months | $1,000.00 |
| Synchrony Bank | 4.30% APY | 48 Months | $0.01 |
| First National Bank of America | 4.35% APY | 48 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.00% APY | 48 Months | $500.00 |
| Credit Human | 4.65% APY | 36-59 Months | $500.00 |
| All In Credit Union | 4.80% APY | 48 Months | $1,000.00 |
| University Federal Credit Union | 5.00% APY | 48 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 Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.25% APY | 60 Months | $1,500.00 |
| Popular Direct | 4.45% APY | 60 Months | $10,000.00 |
| Synchrony Bank | 4.30% APY | 60 Months | $0.00 |
| PenFed Credit Union | 3.90% APY | 60 Months | $1,000.00 |
| First National Bank of America | 4.35% APY | 60 Months | $1,000.00 |
| Marcus by Goldman Sachs | 3.80% APY | 60 Months | $500.00 |
| Discover | 4.10% APY | 60 Months | $2,500.00 |
| Connexus Credit Union | 3.51% APY | 60 Months | $5,000.00 |
| Barclays | 4.30% APY | 60 Months | $0.00 |
| BMO Harris | 4.50% APY | 59 Months | $5,000.00 |
| Seattle Bank | 4.70% APY | 60 Months | $1,000.00 |
| Credit Human | 4.65% APY | 60 Months | $500.00 |
| First Internet Bank of Indiana | 4.49% APY | 60 Months | $1,000.00 |
| All In Credit Union | 5.00% APY | 60 Months | $1,000.00 |
Best Fixed Annuity Rates in New Jersey
For More Rates, check out our National CD and Annuity Rate Guide.
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