We’re hiring! Check out a list of open positions here.

Credit Union of New Jersey will never ask for account number, debit credit card number, pin or password via e-mail, text or over the phone. Learn more about fraud prevention here.

Share Certificate Rates

Share Certificate Rates

Share Certificates $500.00-$99,999.99¹ | Current as of February 22, 2025
Term Dividend Rates Annual Percentage Yield (APY)
3 Months 2.37% 2.40%
6 Months 2.47% 2.50%
7 Months² 4.41% 4.50%
12 Months 1.98% 2.00%
18 Months 3.69% 3.75%
24 Months 1.49% 1.50%
36 Months 1.00% 1.00%
48 Months 1.00% 1.00%
60 Months 1.00% 1.00%
Share Certificates $100,000.00+¹ | Current as of February 22, 2025
Term Dividend Rates Annual Percentage Yield (APY)
3 Months 2.37% 2.40%
6 Months 2.47% 2.50%
7 Months² 4.41% 4.50%
12 Months 1.98% 2.00%
18 Months 3.69% 3.75%
24 Months 1.49% 1.50%
36 Months 1.00% 1.00%
48 Months 1.00% 1.00%
60 Months 1.00% 1.00%

Enjoy the freedom to prosper. If you have questions about Share Certificate Rates, just give us a call at 609.538.4061 or 800.538.4061, email us at memberservices@cunj.org, or stop by one of our branches.

¹

Rates effective July 1, 2024 and are subject to change without notice. Penalty for early withdrawal.

²

APY = Annual Percentage Yield. Rate is effective as of February 1, 2025, 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.

Member only deals Love My Credit Union rewards
Membership has its discounts.

Enjoy savings at hundreds of retailers, restaurants and services.

Learn more

¹

Rates effective July 1, 2024 and are subject to change without notice. Penalty for early withdrawal.

²

APY = Annual Percentage Yield. Rate is effective as of February 1, 2025, 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.

Credit Union of New Jersey | blue shield on white
e-Banking Login
Login Details
Your new banking assistant - Meet Eddy the Eagle

Eddy is your new banking assistant who can provide instant answers to account inquiries, help you make account transfers and so much more.

Say Hello