More means for the things that mean more.
Watch them flourish.
Want a strong, guaranteed return on your investment? With a Share Certificate, watch your money quickly flourish with effortless, secure and assured growth. Choose from a certificate of 7, 13 or 17 months—earning up to 5.25% APY¹. That’s more money to invest in your most valuable assets.
What's a Share Certificate?
Joining the Credit Union of New Jersey doesn't just make you a member; it makes you an owner—a shareholder with stakes in the game. As an owner, you're able to open a Share Certificate, a surefire investment that yields a fixed return over your chosen term of either 7, 13 or 17 months.
Becoming a member is a breeze. In fact, the moment you open your Share Certificate account, you're part of the family.
Credit Union of New Jersey Share Certificates are insured up to $250,000 by the National Credit Union Association (NCUA).Another way to save more money faster: our High-Rate Savings Account.
In tough times or good, it really does pay to have an emergency fund set aside for you and your family. Give your savings a big boost with a Credit Union of New Jersey High-Rate Savings Account. You'll earn an incredible 5.00% APY² on your first $500 and continue to earn a great interest rate on balances over that.
Curious what you'll earn with Credit Union of New Jersey?
| Account Balance | APY | Earned Dividend at CU of NJ | Average Annual Interest at Banks³ |
|---|---|---|---|
| $500 | 5.000% | $25.00 | $0.45 |
| $1,500 | 1.693% | $25.40 | $1.35 |
| $2,500 | 1.032% | $25.80 | $2.25 |
| $5,000 | 0.536% | $26.80 | $4.50 |
| $15,000 | 0.209% | $31.30 | $13.50 |
Use our savings calculator to see for yourself.
Ready to rebound your savings?
Your money grows today with our High-Rate Savings Account.
You don't have time to mess around.
Whatever your financial goals are, you’re going to need expert advice and exceptional strategies to move your forward.
Saving for a new car? College education? Wedding? Vacation home? Retirement? Done. No risky ventures, “get rich quick” schemes or products you don't need—just a solid plan with effective outcomes.
Here’s a three-pronged strategy to get you to your target goals.
APY = Annual Percentage Yield. Rate is effective as of March 1, 2024, and is subject to change without notice. Penalty for early withdrawal may apply. Fees could reduce the earnings. A $5 Membership Account is required for this promotion. New money only. One certificate, business certificate or IRA certificate per person with a minimum deposit of $500 and a maximum deposit of $500,000. The 7-month certificate will renew as a 12-month certificate at the end of the 7-month period. The 13-month certificate will renew as a 12-month certificate at the end of the 13-month period. The 17-month certificate will renew as an 18-month certificate at the end of the 17-month period.
APY=Annual Percentage Yield. 5.00% APY will be paid on the daily balance in your account up to the first $500.00. A dividend rate of 0.04% will be paid only on the portion of your daily balance between $500.01 to $9,999.99 with an APY range for this tier of 5.00% APY to 0.288% APY depending on the balance in the account. A dividend rate of 0.05% will be paid only on the portion of your daily balance between $10,000 and $250,000 with an APY range for this tier of 0.288% APY to 0.060% APY depending on the balance in the account. All rates are subject to change, after account opening, without notice. Maximum deposit amount is $250,000. Membership in good standing and a Regular Share account with a $5 minimum deposit is required. Requires a $50.00 minimum balance. Fees could reduce earnings. Additional savings accounts established under the same member name, and related tax identification number, are not eligible for these special terms. APY is effective as of October 1, 2020. One High-Rate Savings account per member.
National average bank savings rate of 0.09% annually derived from Bank Rate.
There are no fees for up to four teller withdrawals each month. You are allowed a maximum of six non-branch transactions per month. Fees may reduce earnings.