Our branches will be closed on Monday, January 20, 2020, in observance of Martin Luther King, Jr. Day.

Effective January 18th our Willingboro Branch will no longer have Saturday hours. Members may utilize Touch Tone Teller, e-Banking, Mobile Banking, Shared Branching Locations and the Allpoint ATM Network to conduct transactions. We apologize for any inconvenience.

Share Certificates

Feather your nest, risk-free.

That’s right. Grow your nest egg and receive a guaranteed rate of return. All you have to do is pick your term (or terms, since you can have multiple Share Certificates working for you at the same time). Make a minimum initial deposit of just $500 per Certificate. Then, watch your interest accumulate.

With CU of NJ Share Certificates:

  • We offer terms from three months all the way to 60 months.*
  • Typically, the longer the term, the stronger your APY (Annual Percentage Yield) will be.
  • When you open a Certificate for at least $100,000, you’ll receive a higher APY as well.

Here’s a smart way to get Certificates working harder for you. It’s a strategy called “laddering.”

  • Say you have $25,000 to invest.
  • If you put $5,000 into a 12-Month Certificate, another $5,000 into a 24-Month Certificate, the third $5,000 into a 36-Month Certificate, the fourth $5,000 into a 48-Month Certificate, and the last $5,000 into a 60-Month Certificate, you’ll have a Certificate maturing each year for the next five years.
  • As each Certificate matures, roll it back into a 60-Month Certificate.
  • You’ll still have Certificates maturing each year, so your $25,000 is not fully tied up. But by the end of that fifth year, all of your Certificates will be earning at the 60-Month dividend rate.

Enjoy the freedom to prosper. You can open your CU of NJ Share Certificate(s) securely and quickly online. If you have questions, feel free to give us a call at 609.538.4061 or 800.538.4061, email us at memberservices@cunj.org or stop by one of our convenient branch locations.


Penalty applies for early withdrawal.

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