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We will be closed at 2pm on December 31st and all day January 1st in observance of the New Year holiday.

Share Certificate Rates

Share Certificate Rates

Share Certificates $500.00-$99,999.99¹ | Current as of December 29, 2025
Term Dividend Rates Annual Percentage Yield (APY)
3 Months 2.37% 2.40%
6 Months 2.47% 2.50%
7 Months² 4.17% 4.25%
12 Months 3.445% 3.50%
18 Months 2.96% 3.00%
24 Months 2.72% 2.75%
36 Months 2.47% 2.50%
48 Months 2.47% 2.50%
60 Months 2.47% 2.50%
Share Certificates $100,000.00+¹ | Current as of December 29, 2025
Term Dividend Rates Annual Percentage Yield (APY)
3 Months 2.37% 2.40%
6 Months 2.47% 2.50%
7 Months² 4.17% 4.25%
12 Months 3.445% 3.50%
18 Months 2.96% 3.00%
24 Months 2.72% 2.75%
36 Months 2.47% 2.50%
48 Months 2.47% 2.50%
60 Months 2.47% 2.50%

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.

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¹

Rates are effective May 1, 2025 and are subject to change without notice. Penalty for early withdrawal.

²

APY = Annual Percentage Yield. Rate is effective as of August 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.

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