Money Market Account Rates
| Account | Dividend Rate² | Annual Percentage Yield (APY) | Minimum Opening Balance | Minimum Balance to Earn APY |
|---|---|---|---|---|
| Freedom Money Market³ $500.00-$500,000.00 |
3.20% | 3.25% – 3.20% | $500.00 | $1,000.00 |
| Freedom Money Market³ $500,000.01 & up |
0.00% | 3.20% – 1.60% | $500.00 | $1,000.00 |
| Tiered Money Market $1,000.00-$9,999.99 |
0.20% | 0.20% | $1,000.00 | $1,000.00 |
| Tiered Money Market $10,000.00+ |
0.25% | 0.25% | $10,000.00 | $10,000.00 |
| Premier Money Market $25,000.00+ |
0.30% | 0.30% | $25,000.00 | $25,000.00 |
| Elite Money Market $50,000.00-$249,999.99 |
0.35% | 0.35% | $50,000.00 | $50,000.00 |
| Elite Money Market $250,000.00+ |
0.40% | 0.40% | $250,000.00 | $250,000.00 |
Enjoy the freedom to prosper. If you have questions about Money Market Account 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.
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Enjoy savings at hundreds of retailers, restaurants and services.
Effective January 1, 2026. Rates subject to change without notice. Annual percentage rates and annual percentage yields on dividend-bearing accounts are based on the most recent dividend declaration. Fees could reduce earnings.
Dividends are paid only on the portion of the balance within the specified tier.
APY = Annual Percentage Yield. Minimum balance to earn dividends is $500. Annual Percentage Yield (APY) is 3.25% to 3.20% with a dividend rate of 3.20% on balances of $500 to $500,000. Balances over $500,000 will earn an APY of 3.20% to 1.60% with a dividend rate of 0.00% (assuming a $1 million balance). Dividend rate and APY are subject to change at any time without notice before and after a Freedom Money Market is opened. Fees could reduce earnings on the account. Rate effective January 1, 2026.
