Here's your ticket to thrive.

Ready to grow your money? So are we.

Trying to put money away can feel like a real burden, especially when money is tight from paycheck to paycheck. We’ve come up with a fantastic 7.50% APY* High-Rate Savings Account to make the process easier. Use it to save for:

  • Emergencies like a new refrigerator or an unexpected vehicle repair
  • A dream vacation, a new laptop or some other savings goal
  • Your child's future

You'll earn an unheard of 7.50% APY* on everything you put in up to $500 (and a different rate on everything over $500). But you don't have to start with $500. You can start with as little as $5 and make regular deposits to build up your balance over time. You might even want to try a small payroll deduction that will automatically go into your account. You won't even miss it.

Claim your ticket to thrive.

How much of an impact can an account like this make on your savings? Take a look at the interest you can earn with our account versus other financial institutions:

Account Balance APY Earned Dividend at CU of NJ Average Annual Interest at Banks**
$500 7.500% $37.50 $0.45
$1,500 2.533% $38.00 $1.35
$2,500 1.540% $38.50 $2.25
$5,000 0.795% $39.75 $4.50
$15,000 0.315% $47.25 $13.50

Use this handy tool to match your own personal savings goal:

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

See the difference?

Here's the best part. In addition to opening an account for yourself, you can also open one for your children, stepchildren, nieces, nephews and even grandchildren. The 7.50% APY* is higher than you'll find on most Certificates of Deposit and it will continue to grow over time. What a great gift!

Open Your Account Today

You don't have time to mess around.

You have financial targets and whether your targets are short-range or long, now more than ever, you're going to need expert advice and exceptional strategies to move you forward.

Saving for a new car? College education? Wedding? Vacation home? Retirement? Done. No risky ventures, “get rich quick” schemes or products you don't need—just a solid plan with effective outcomes.

In addition to opening a 7.50% APY* High-Rate Savings Account as your foundation, here's a three-prong attack to get you to your target goals.

Certificates: A strong, safe (and guaranteed) return

You don't have to be a Wall Street rock star to earn a great rate on your investment. We offer a number of different Certificates with varying terms so you can save comfortably without having to worry about the ups and downs of the stock market. You'll earn better-than-average rates with a deposit as low as just $500.

If retirement is weighing on your mind, look into one of our Individual Retirement Account (IRA) Certificates. You'll still earn a guaranteed return (a penalty will be imposed for early withdrawals before the age of 59½). The interest you earn may be tax-deductible. And, a portion of the money you invest—up to $5,500 per year under age 50 and $6,500 age 50 and older—will reduce your taxable income.

Open your Certificate Today

Money Market Accounts: The best of both worlds.

Here's another smart (and easy) way to increase your earnings without tying up your money at all. A Money Market Account gives you the liquidity of a basic savings account** with higher-than-average interest rates. Plus, it's tiered, so the more money you have in the account, the more you'll earn. Think “emergency nest egg,” and you have the perfect solution with our Money Market Account.

  • Open an account with a minimum of $1,000
  • Earn high dividends that are compounded monthly
  • Funds can be transferred to your CU of NJ Checking Account when needed***
  • Online transfers can be made through e-Banking

It's a solid way to stay liquid. If you have less than $10,000 to invest, you can open your Money Market Account online. For accounts over $10,000, stop by any of our convenient locations and we'll get your earnings started.

Open a Money Market Account

Smart Long-Range Planning: Your future is here.

The third prong of your savings strategy is also the most critical—long-range planning. This is where our financial advisors can really come into play. We'll offer you the guidance you need to get ready for life events such as:

  • Getting the kids through college
  • Protecting your business
  • Succession planning
  • Retirement and income strategies
  • Unexpected hardships

We even have solutions for long-term care and life insurance policies. So don't wait. Start thinking about the future now.

Find out more here


APY=Annual Percentage Yield. 7.5% APY will be paid on the daily balance in your account up to the first $500.00. A dividend rate of 0.05% 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 7.500% APY to 0.423% APY depending on the balance in the account. A dividend rate of 0.10% 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 0.423% APY to 0.113% 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 June 1, 2018. One 7.5% Savings account per member.


National average bank savings rate of 0.09% annually derived from Bank Rate.


There are no fees for up to four teller withdrawals each month. You are allowed a maximum of six non-branch transactions per month. Fees may reduce earnings.

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