Stay Ahead with a Steady Return!
Life is unpredictable. Growing your money shouldn't be.
Grow your money—guaranteed—with a 7-Month, 4.25% APY¹ Share Certificate from Credit Union of New Jersey.
4.25% APY¹
Life takes twists, turns and loop-de-loops. But the only direction your money should go...is up. Our 7-month Share Certificate offers a competitive 4.25% APY*, making it easier than ever to grow your savings quickly and confidently. With a short commitment and a high return, this is the smart move you’ve been waiting for. Don’t miss out—start earning today and watch your money work harder for you.
Credit Union of New Jersey Share Certificates are insured up to $250,000 by the National Credit Union Association (NCUA).With a competitive 4.25% APY¹, you’re getting one of the best returns available. It’s a great way to make your money work for you, whether you’re saving for a major purchase, a vacation or just building a stronger financial future.
This 7-month Share Certificate strikes the perfect balance between a short-term commitment and significant earnings. You don’t have to lock away your funds for years, yet you still benefit from an excellent rate.
Your investment is protected and federally insured, so you can grow your savings with complete peace of mind.
Getting started is simple. With a low minimum deposit, you can start earning at this top-tier rate right away.
Ready to boost your savings?
Open your 7-Month Share Certificate now and start seeing the benefits.
Open yours todaySupercharge your earnings potential with a Kasasa Saver Account with no monthly maintenance fees.
Simply link a Kasasa saver account to your Kasasa Checking account and you can compound your interest earnings!
- 4.00% APY² on qualifying balances up to $50,000
- 0.01% APY² even if you don’t qualify
- Plus, there’s no minimum balance to earn a higher rate
Transactions and activities must post and settle to your Kasasa Cash or Cash Back account during each monthly qualification cycle. Even if you miss qualifying, your account is still free and you can still earn the full rewards by qualifying the next month:
- At least 1 direct deposit. ACH payment. or bill pay transaction(s)
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-statements
Curious what you'll earn with Credit Union of New Jersey?
| Account Balance | APY | Earned Dividend at CU of NJ | Average Annual Interest at Banks³ |
|---|---|---|---|
| $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 |
Use our savings calculator to see for yourself.
Ready to rebound your savings?
Your money grows today with our High-Rate Savings Account.
You don't have time to mess around.
Whatever your financial goals are, you’re going to need expert advice and exceptional strategies to move your 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.
Here’s a three-pronged strategy to get you to your target goals.
APY = Annual Percentage Yield. Rate is effective as of June 1, 2025, and is subject to change without notice. Penalty for early withdrawal may apply. Fees could reduce the earnings. A $5 Membership Account is required for this promotion. New money only. One certificate, business certificate or IRA certificate per person with a minimum deposit of $500 and a maximum deposit of $500,000. The 7-month certificate will renew as a 12-month certificate at the end of the 7-month period.
Qualification Information:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your linked Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $5 deposit is required to open the account. At least 1 Direct Deposit, ACH credit, ACH payment or bill pay transaction(s) is required each monthly qualification cycle. Enrollment and agreement to receive e-statements and at least 12 PIN-based / signature-based debit card purchases are conditions of this account each monthly qualification cycle.
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards.
“Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle.
Reward Information:
When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $50,000 in your Kasasa Saver account earn a dividend rate of 3.99% resulting in an APY of 4.00%; and daily balances over $50,000 earn a dividend rate of 0.75% on the portion of the daily balance over $50,000, resulting in a range from 4.00% to 1.84% APY depending on the account’s daily balance.
When your linked Kasasa Cash or Kasasa Cash Back account qualifications are not met, the entire daily balance in the Kasasa Saver account earns a dividend rate of 0.01% resulting in an annual percentage yield of 0.01% APY.
Dividends will be credited to your Kasasa Saver account on the first processing/business day of the following statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 9/1/23
APY calculations are based on an assumed balance of $50,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
A $5 minimum deposit is required to open the account.
Limit of one account per member.
There are no recurring monthly maintenance charges or fees to open or close this account.
A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account.
A linked Kasasa Saver account is required for automatic savings.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA.
Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.