Due to system maintenance on Sunday, October 24th from 12:30AM – 4:30AM, e-Banking and Mobile Banking may be unavailable. We apologize for the inconvenience.

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

Lafayette Street ATM: Due to building construction the ATM located at 12 E. Lafayette St. will not be available until further notice. Please visit AllpointNetwork.com for the closest surcharge-free ATM. We apologize for the inconvenience.

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

IRA Share Account and IRA Certificate Rates

IRA Share Account and IRA Certificate Rates

IRA Share Account Rates1 | Current as of October 23, 2021
Account Dividend Rate Annual Percentage Yield (APY) Minimum Opening Balance Minimum Balance to Earn APY
IRA Share 0.100% 0.10% $200.00 $200.00
IRA Certificates $500.00-$99,999.991 | Current as of October 23, 2021
Term Dividend Rates Annual Percentage Yield (APY)
12 Months 0.150% 0.15%
18 Months 0.200% 0.20%
24 Months 0.250% 0.25%
36 Months 0.300% 0.30%
48 Months 0.350% 0.35%
60 Months 0.450% 0.45%
IRA Certificates $100,000.00+1 | Current as of October 23, 2021
Term Dividend Rates Annual Percentage Yield (APY)
12 Months 0.150% 0.15%
18 Months 0.200% 0.20%
24 Months 0.250% 0.25%
36 Months 0.300% 0.30%
48 Months 0.350% 0.35%
60 Months 0.450% 0.45%

Enjoy the freedom to prosper. If you have questions about IRA Share Account and IRA 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 January 1, 2021 and are subject to change without notice. Penalty for early withdrawal.

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