Credit Union of New Jersey Branches and the Ewing Drive Thru will be closing at 2:00 PM on Wednesday, May 1st. We apologize for any inconvenience.

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.

Your deposits are protected by the National Credit Union Share Insurance Fund and are insured up to at least $250,000 per individual depositor.... Learn More

Important update to our ATM Network: Effective March 1, 2023, we no longer participate in the Allpoint ATM Network. You still have access to 30,000+ surcharge-free ATMs within the Co-op ATM Network.

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

Your funds deposited with Credit Union of New Jersey are safe, secure and insured.

Share Certificate Rates

Share Certificate Rates

Share Certificates $500.00-$99,999.99¹ | Current as of April 25, 2024
Term Dividend Rates Annual Percentage Yield (APY)
3 Months 0.25% 0.25%
6 Months 0.30% 0.30%
7 Months² 4.41% 4.50%
12 Months 0.35% 0.35%
13 Months² 4.89% 5.00%
17 Months² 5.13% 5.25%
18 Months 0.40% 0.40%
24 Months 0.45% 0.45%
36 Months 0.50% 0.50%
48 Months 0.55% 0.55%
60 Months 0.65% 0.65%
Share Certificates $100,000.00+¹ | Current as of April 25, 2024
Term Dividend Rates Annual Percentage Yield (APY)
3 Months 0.25% 0.25%
6 Months 0.30% 0.30%
7 Months² 4.41% 4.50%
12 Months 0.35% 0.35%
13 Months² 4.89% 5.00%
17 Months² 5.13% 5.25%
18 Months 0.40% 0.40%
24 Months 0.45% 0.45%
36 Months 0.50% 0.50%
48 Months 0.55% 0.55%
60 Months 0.65% 0.65%

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 February 15, 2023 and are subject to change without notice. Penalty for early withdrawal.

²

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.

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¹

Rates effective February 15, 2023 and are subject to change without notice. Penalty for early withdrawal.

²

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.

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