You don't have time to mess around.

The stock market is doing some crazy things right now, and that volatility is making a lot of investors awfully nervous. But here's the thing. You still have financial targets. 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.

So, here's a three-prong attack to get you to your target goals:

  • A strong, safe return
  • Best of both worlds
    Money Market Account
  • Your Future is Here
    Smart Long-Range Planning

A strong, safe (and guaranteed) return

Take a look at the rates other financial institutions are paying on their certificates. Seriously, go ahead. You may see 2.00% APY offered here and there, but you probably won't be able to touch your money without penalty for three to four years. Maybe more.

Now check out Credit Union of New Jersey. With our 13-month Certificate and IRA Certificate special offer of 2.00% APY,* you’ll earn an extraordinary yield on a short-term investment with a minimum deposit of just $500. That's unheard of, so take advantage of this deal now because it's only available for a short time.

Move money out of your savings account (or the volatile stock market) and into our 13-month Certificate today. If you have less than $10,000 to invest, you can open your Certificate or IRA Certificate right online [link]. For deposits over $10,000, stop by any of our convenient locations and we'll fast-track opening this Certificate for you.

Open your Certificate Today

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

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. Rate is effective as of February 26, 2018 and is subject to change without notice. Penalty for early withdrawal may apply. A $5 Membership Account is required for this promotion. New money only. One certificate or IRA certificate per person with a minimum deposit of $500 and a maximum deposit of $99,999.99. Certificate will renew as a 12-month term at the end of the 13-month period.


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.