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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.

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

High-Rate Savings

Save better with our High-Rate High-Rate Savings Account.

Adulting is hard. Saving doesn’t have to be.

You’ll earn an incredible 5.00% APY* on your first $500, and you’ll continue to earn a strong interest rate on balances over that.

Drag slider to see how much in earned dividends (or interest) you'll receive with your CU of NJ high-rate Savings Account.

Take a look at how our 5.00% APY* High-Rate Savings Account compares to the average interest rate banks pay out:

5.00% APY* Savings Account from Credit Union of New Jersey versus other banks
Account Balance APY Earned Dividend at CU of NJ Average Annual Interest at Banks**
$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

Ready to start saving better?

Level-up your adulting game with our High-Rate APY* Savings Account.

Open a High-Rating Savings Account now

Enjoy the freedom to prosper. If you have questions about High-Rate Savings, just give us a call at 609.538.4061 or 800.538.4061, email us at, or stop by one of our branches.


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.

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