>Savings, CDs and IRAs

A sound savings plan can help you achieve financial independence. Contact your bank representative to discuss our various options.


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Rates are as of publication date (October 22,2017) and may be changed thereafter, without notice, until account is opened.

Term Interest Rate Annual Percentage Yield Minimum Opening Balance Request Info Apply/Open Now
7 Days 0.10% 0.10% $100,000
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14 Days 0.10% 0.10% $100,000
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1 Month 0.15% 0.15% $100,000
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2 Months 0.15% 0.15% $100,000
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3 Months 0.75% 0.75% $100,000
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91 Day 0.75% 0.75% $500
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6 Months 1.10% 1.10% $100,000
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6 Months 1.09% 1.10% $500
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9 Months 1.00% 1.00% $500
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12 Months 1.29% 1.30% $500
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13 Months 0.50% 0.50% $500
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18 months FLOATING 1.34% 1.35% $500
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18 Months2 1.39% 1.40% $500
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24 Months2 1.49% 1.50% $500
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25 Months Step Up 1.49% 1.50% $500
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30 Months 1.59% 1.60% $500
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36 Months 1.73% 1.75% $500
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37 Months Step Up 1.73% 1.75% $500
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48 Months 1.83% 1.85% $500
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60 Months 1.98% 2.00% $500
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66 Month Stepped Rate1 0.50% 1.77% $500
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66 Month Stepped Rate1 0.75% 2.02% $100,000
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72 Months 1.24% 1.25% $500
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These rates are only available when accounts are opened in New Jersey and New York branch locations or when the account is opened online.

The following terms pertain to the accounts listed:

Interest is compounded daily, paid monthly, quarterly, or at maturity depending on the product

No interest will be paid during the grace period if account is closed

Early withdrawals are subject to the following bank penalties:

  • Maturity of less than 1 year, loss of 90 days interest
  • Maturity of 1 to less than 2 ½ years, loss of 180 days interest
  • Maturity of 2 ½ to less than 5 years, loss of 365 days interest
  • Maturity of 5 years or more, loss of 540 days interest

1 Early withdrawal penalties may be imposed and the fee could reduce principal. Early withdrawal is subject to a $25 fee plus 2.00% of principal.

2 There is a minimum opening balance requirement of $1,000 when opening this product online; Early withdrawals are subject to penalties listed above plus $25.

Early withdrawal penalties may be imposed and the fee could reduce principal.