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Rates

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financial solutions

Rates

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Checking Accounts
Our personal checking and savings accounts offer great rates and benefits.

Checking
Accounts

Our personal checking and savings accounts offer great rates and benefits.

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Savings Accounts
Find the business checking savings account rates you are looking for below.

Savings
Accounts

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Money Market Accounts
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Money Market
Accounts

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Certificates of Deposit
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Certificates of Deposit

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Explore Rates

Our personal checking and savings accounts offer great rates and benefits.

Find the business checking savings account rates you are looking for below.

Explore higher returns with CD rates and earn more.

Look at the home equity and loan rates to see what works for you.

Personal
Checking
Accounts*
Interest
Rate
Annual
Percentage
Yield
Minimum balance
to open
an Balance
Daily Minimum
Balance to
Earn Interest
Monthly Service 
Fees
Basic Checking (NJ Consumer Checking) N/A N/A $50 N/A N/A
50 First Checking 0.23% 0.23% $50 $1 N/A
e-Checking 0.25% 0.25% $500 $500 $15
if below $500
Relationship Checking N/A N/A $1000 N/A $25
if below $1000
Community Checking N/A N/A $25 N/A None with monthly direct deposit / $5 per month with no direct deposit
Commercial
Checking
Accounts*
Interest
Rate
Annual
Percentage
Yield
Minimum balance
to open
Monthly Service 
Fees
Non-Profit Checking 0.23% 0.23% N/A N/A
Business First Checking N/A N/A $1,000 $10.00 if below $1,000
Commercial Analysis Checking N/A N/A N/A $30.00

*Fees may reduce earnings. Interest rates may change after the account is open. Must maintain minimum daily balance to obtain disclosed Annual Percentage Yield. Fees may apply if transaction volumes exceed maximums. Member FDIC

Savings Accounts* Interest
Rate
Annual
Percentage
Yield
Minimum balance
to open account
Daily minimum
balance to
earn interest
Monthly Service 
Fees
Personal Statement Savings 0.23% 0.23% $100 N/A $7.00 if below $100
Business Savings 0.23% 0.23% $1,000 $1,000 $15.00 if below $1,000

*Fees may reduce earnings. Interest rates may change after the account is opened. Must maintain minimum daily balance to obtain disclosed Annual Percentage Yield. Member FDIC

Personal Money
Market*
Interest
Rate
Annual
Percentage
Yield
Daily Minimum balance
to earn interest
$.00 to $1,000.99 N/A N/A N/A
$1,001.00 to $10,000.99 0.25% 0.25% $ 1,001
$10,001.00 to $50,000.99 0.50% 0.50% $ 10,001
$50,001.00 to $150,000.99 1.00% 1.00% $ 50,001
$150,001.00  and above 1.73% 1.75% $ 150,001

*Minimum $1,000 to open a Personal Money Market account. Service fee of $15 per month if balance falls below $1,000.

Relationship Money
Market*
Interest
Rate
Annual
Percentage
Yield
Daily Minimum balance
to earn interest
$.00 to $1,000.99 N/A N/A N/A
$1,001.00 to $10,000.99 0.50% 0.50% $ 1,001
$10,001.00 to $50,000.99 1.00% 1.00% $ 10,001
$50,001.00 to $150,000.99 1.98% 2.00% $ 50,001
$150,001.00 and above 2.71% 2.75% $ 150,001

*Minimum $1,000 to open a Relationship Money Market account. A service fee of $15 per month if the balance falls below $1,000.

Business Money
Market*
Interest
Rate
Annual
Percentage
Yield
Daily Minimum balance
to earn interest
Monthly Service Fees
$.00 to $2,500.99 N/A N/A N/A $15.00
$2,501.00 to $25,000.99 0.50% 0.50% $ 2,501 N/A
$25,001.00 to $100,000.99 1.00% 1.00% $ 25,001 N/A
$100,001.00 to $500,000.99 1.98% 2.00% $ 100,001 >N/A
$500,001.00 and above 2.71% 2.75% $ 500,001 N/A

*Fees may reduce earnings. Interest rates may change after the account is open. Must maintain minimum daily balance to obtain disclosed Annual Percentage Yield. Member FDIC

Certificates of Deposit (Regular & IRA)* Interest
Rate
Annual
Percentage
Yield
Minimum balance
to open account
Monthly Service 
Fees
3 Month 3.44% 3.50% $500 N/A
6 Month 3.44% 3.50% $500 N/A
9 Month 3.44% 3.50% $500 N/A
12 Month 3.44% 3.50% $500 N/A
14 Month 0.30% 0.30% $500 N/A
15 Month 0.30% 0.30% $500 N/A
18 Month 2.96% 3.00% $500 N/A
20 Month 0.30% 0.30% $500 N/A
21 Month 0.30% 0.30% $500 N/A
24 Month 2.96% 3.00% $500 N/A
30 Month 0.35% 0.35% $500 N/A
36 Month 2.96% 3.00% $500 N/A
48 Month 2.47% 2.50% $500 N/A
60 Month 2.47% 2.50% $500 N/A

 

*Minimum deposit and balance of $500 required to obtain current Annual Percentage Yield (APY). Withdrawal of interest may reduce APY. Fees may reduce earnings. Early withdrawal penalty may be imposed. At maturity, the CD will automatically renew to the corresponding CD product at the current rate in effect at that time. Member FDIC.

Basic Checking (NJ Consumer Checking)

Interest Rate:

N/A

Annual Percentage Yield:

N/A

Minimum balanceto openan Balance:

$50

Daily Minimum Balance to Earn Interest:

N/A

Monthly Service Fees:

N/A

Interest Rate:

0.23%

Annual Percentage Yield:

0.23%

Minimum balanceto openan Balance:

$50

Daily Minimum Balance to Earn Interest:

$1

Monthly Service Fees:

N/A

Interest Rate:

0.25%

Annual Percentage Yield:

0.25%

Minimum balanceto openan Balance:

$500

Daily Minimum Balance to Earn Interest:

$500

Monthly Service Fees:

$15
if below $500

Interest Rate:

N/A

Annual Percentage Yield:

N/A

Minimum balanceto openan Balance:

$1000

Daily Minimum Balance to Earn Interest:

N/A

Monthly Service Fees:

$25
if below $1000

Interest Rate:

N/A

Annual Percentage Yield:

N/A

Minimum balanceto openan Balance:

$25

Daily Minimum Balance to Earn Interest:

N/A

Monthly Service Fees:

None with monthly direct deposit / $5 per month with no direct deposit

Interest Rate:

0.23%

Annual Percentage Yield:

0.23%

Minimum balanceto open:

N/A

Monthly Service Fees:

N/A

Interest Rate:

N/A

Annual Percentage Yield:

N/A

Minimum balanceto open:

$1,000

Monthly Service Fees:

$10.00 if below $1,000

Interest Rate:

N/A

Annual Percentage Yield:

N/A

Minimum balanceto open:

N/A

Monthly Service Fees:

$30.00

*Fees may reduce earnings. Interest rates may change after the account is open. Must maintain minimum daily balance to obtain disclosed Annual Percentage Yield. Fees may apply if transaction volumes exceed maximums. Member FDIC

Interest Rate:

0.23%

Annual Percentage Yield:

0.23%

Minimum balanceto open account:

$100

Daily minimumbalance to earn interest:

N/A

Monthly Service Fees:

$7.00 if below $100

Interest Rate:

0.23%

Annual Percentage Yield:

0.23%

Minimum balanceto open account:

$1,000

Daily minimumbalance to earn interest:

$1,000

Monthly Service Fees:

$15.00 if below $1,000

*Fees may reduce earnings. Interest rates may change after the account is opened. Must maintain minimum daily balance to obtain disclosed Annual Percentage Yield. Member FDIC

$.00 to $1,000.99

Interest Rate:

N/A

Annual Percentage Yield:

N/A

Daily Minimum balanceto earn interest:

N/A

$1,001.00 to $10,000.99

Interest Rate:

0.25%

Annual Percentage Yield:

0.25%

Daily Minimum balanceto earn interest:

$ 1,001

$10,001.00 to $50,000.99

Interest Rate:

0.50%

Annual Percentage Yield:

0.50%

Daily Minimum balanceto earn interest:

$ 10,001

$50,001.00 to $150,000.99

Interest Rate:

1.00%

Annual Percentage Yield:

1.00%

Daily Minimum balanceto earn interest:

$ 50,001

$150,001.00  and above

Interest Rate:

1.73%

Annual Percentage Yield:

1.75%

Daily Minimum balanceto earn interest:

$ 150,001

*Minimum $1,000 to open a Personal Money Market account. Service fee of $15 per month if balance falls below $1,000.

$.00 to $1,000.99

Interest Rate:

N/A

Annual Percentage Yield:

N/A

Daily Minimum balanceto earn interest:

N/A

$1,001.00 to $10,000.99

Interest Rate:

0.50%

Annual Percentage Yield:

0.50%

Daily Minimum balanceto earn interest:

$ 1,001

$10,001.00 to $50,000.99

Interest Rate:

1.00%

Annual Percentage Yield:

1.00%

Daily Minimum balanceto earn interest:

$ 10,001

$50,001.00 to $150,000.99

Interest Rate:

1.98%

Annual Percentage Yield:

2.00%

Daily Minimum balanceto earn interest:

$ 50,001

$150,001.00 and above

Interest Rate:

2.71%

Annual Percentage Yield:

2.75%

Daily Minimum balanceto earn interest:

$ 150,001

*Minimum $1,000 to open a Relationship Money Market account. A service fee of $15 per month if the balance falls below $1,000.

$.00 to $2,500.99

Interest Rate:

N/A

Annual Percentage Yield:

N/A

Daily Minimum balanceto earn interest:

N/A

Monthly Service Fees:

$15.00

$2,501.00 to $25,000.99

Interest Rate:

0.50%

Annual Percentage Yield:

0.50%

Daily Minimum balanceto earn interest:

$ 2,501

Monthly Service Fees:

N/A

$25,001.00 to $100,000.99

Interest Rate:

1.00%

Annual Percentage Yield:

1.00%

Daily Minimum balanceto earn interest:

$ 25,001

Monthly Service Fees:

N/A

$100,001.00 to $500,000.99

Interest Rate:

1.98%

Annual Percentage Yield:

2.00%

Daily Minimum balanceto earn interest:

$ 100,001

Monthly Service Fees:

>N/A

$500,001.00 and above

Interest Rate:

2.71%

Annual Percentage Yield:

2.75%

Daily Minimum balanceto earn interest:

$ 500,001

Monthly Service Fees:

N/A

*Fees may reduce earnings. Interest rates may change after the account is open. Must maintain minimum daily balance to obtain disclosed Annual Percentage Yield. Member FDIC

3 Month

Interest Rate:

3.44%

Annual Percentage Yield:

3.50%

Minimum balanceto open account:

$500

Monthly Service Fees:

N/A

6 Month

Interest Rate:

3.44%

Annual Percentage Yield:

3.50%

Minimum balanceto open account:

$500

Monthly Service Fees:

N/A

9 Month

Interest Rate:

3.44%

Annual Percentage Yield:

3.50%

Minimum balanceto open account:

$500

Monthly Service Fees:

N/A

12 Month

Interest Rate:

3.44%

Annual Percentage Yield:

3.50%

Minimum balanceto open account:

$500

Monthly Service Fees:

N/A

14 Month

Interest Rate:

0.30%

Annual Percentage Yield:

0.30%

Minimum balanceto open account:

$500

Monthly Service Fees:

N/A

15 Month

Interest Rate:

0.30%

Annual Percentage Yield:

0.30%

Minimum balanceto open account:

$500

Monthly Service Fees:

N/A

18 Month

Interest Rate:

2.96%

Annual Percentage Yield:

3.00%

Minimum balanceto open account:

$500

Monthly Service Fees:

N/A

20 Month

Interest Rate:

0.30%

Annual Percentage Yield:

0.30%

Minimum balanceto open account:

$500

Monthly Service Fees:

N/A

21 Month

Interest Rate:

0.30%

Annual Percentage Yield:

0.30%

Minimum balanceto open account:

$500

Monthly Service Fees:

N/A

24 Month

Interest Rate:

2.96%

Annual Percentage Yield:

3.00%

Minimum balanceto open account:

$500

Monthly Service Fees:

N/A

30 Month

Interest Rate:

0.35%

Annual Percentage Yield:

0.35%

Minimum balanceto open account:

$500

Monthly Service Fees:

N/A

36 Month

Interest Rate:

2.96%

Annual Percentage Yield:

3.00%

Minimum balanceto open account:

$500

Monthly Service Fees:

N/A

48 Month

Interest Rate:

2.47%

Annual Percentage Yield:

2.50%

Minimum balanceto open account:

$500

Monthly Service Fees:

N/A

60 Month

Interest Rate:

2.47%

Annual Percentage Yield:

2.50%

Minimum balanceto open account:

$500

Monthly Service Fees:

N/A

 

*Minimum deposit and balance of $500 required to obtain current Annual Percentage Yield (APY). Withdrawal of interest may reduce APY. Fees may reduce earnings. Early withdrawal penalty may be imposed. At maturity, the CD will automatically renew to the corresponding CD product at the current rate in effect at that time. Member FDIC.

Rates updated as of 9/13/2024.

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