[Please note: This page is part of the New Jersey CD Rates archive. Most of these deals on this page are not current and no longer available. Please check the date of the post before getting too excited and driving to a bank an hour away. If you have any doubts whether the deal is available, contact the bank or credit union. For a list of more current rates, visit our homepage.]

5-year, 2.75% CD at Sharonview FCU

Sharonview Federal Credit Union has a competitive long-term CD available: a 5-year CD yielding 2.75% APY. This CD has only a $500 minimum. Sharonview FCU has a number of other competitive CDs available at various terms, but most of them require very large deposits. For example, with a $100,000 minimum, their 24-to-35 month CDs are yielding 2.00% APY, but if you reduce that to under a $10,000 deposit, the same CD goes way down to 1.25% APY. Still, some of their middle-term and longer-term CDs may be looking into if you’re planning to open a large or very large CD.

Sharonview Federal Credit Union is open to employees of 250 businesses, although the complete list isn’t on their website. Sharonview FCU has branches in four states, including four branches in New Jersey. All of the New Jersey branches are Bridgewater. Three branches are only open to Sanofi-Aventis employees, but one location (400 Somerset Corporate Blvd.) is open to the public.

Competitive middle-term CDs at Clifton Savings Bank

Clifton Savings Bank has a few competitive middle-term CDs available:

  • 2-year CD: 1.65% APY
  • 30-month CD: 1.75% APY
  • 3-year CD: 2.25% APY
  • 50-month CD: 2.50% APY

The CDs all have a minimum of $500. The 50-month CD can also get a 0.25% rate bump if you have Clifton’s Crystal Checking Account, although that checking account has a hefty $20/month fee if the balance falls below $15,000, so it’s probably not an option most will be looking to take.

Clifton Savings Bank has 12 branches: five in Clifton, two in Garfield, and one each in Fairlawn, Lyndhurst, Wallington, Wayne, and Woodland Park.

CDs up to 2.75% at Cross River Bank

Cross River Bank has a number of middle-term and long-term CDs at competitive rates:

  • 18-month CDs: 1.75% APY
  • 2-year CDs: 2.00% APY
  • 3-year CDs: 2.50% APY
  • 4-year CD: 2.75% APY

All the above CDs have minimum deposits of $500. Cross River also has a competitve “I Connect Select Savings” savings account: 1.00% APY for amounts above $10,000, and 1.50% APY for amounts over $50,000.

Cross River Bank has one location: 885 Teaneck Road in Teaneck.

2-year, 1.75% CD at Greater Alliance Federal Credit Union

Greater Alliance Federal Credit Union has a competitive mid-term CD available: a 2-year CD that’s yielding 1.75% APY. The CD has a minimum deposit of $500, and it is available with the same APY and same minimum deposit as 3-year and 4-year certificates. If you choose to get the CD as an IRA CD, the APY on all the certificates goes up to 1.80% APY.

Membership in Greater Alliance Federal Credit Union is open to anyone who lives, works, worships, volunteers, attends school or does business in Bergen County or Passiac County. Greater Alliance FCU has two locations: 40 W. Century Rd. in Paramus and 359 Main St. in Hackensack.

CDs up to 3.20% at South Jersey Federal Credit Union

South Jersey Federal Credit Union has some competitive mid-term and long-term CDs available:

  • 1-year CD: 1.41% APY
  • 2-year CD: 1.87% APY
  • 3-year CD: 2.22% APY
  • 5- year CD: 3.20% APY

These CDs have a minimum deposit of $50,000. The CDs are also available with minimum deposits of $10,000 and $20,000, but you’ll lose between 5 and 25 basis points off the higher-deposit APYs. The CDs are also available as IRA CDs.

South Jersey Federal Credit Union is open to anyone who lives, works, worships, goes to school, or does business in the Atlantic City, Bridgeton, Camden, Lawnside, Millville, Pleasantville, Salem, or Vineland communities. South Jersey FCU has locations in Camden, Deptford, Moorestown, Pleasantville, Vineland, and Voorhees.