Personal Banking Deposit Rates

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Product Minimum Deposit to Open Account Minimum Balance to Earn Annual Percentage Yield (APY) APY Interest Compounded / Credited
Kasasa Cash Checking $50 Learn More about current rate and qualifications.
NOW Checking $500 $500 0.10% Continuously/ Monthly
Super NOW Checking $500 $2,000 0.20% Continuously/ Monthly
Rewards Checking $5,000 $5,000 – $9,999 0.15% Continuously/ Monthly
$10,000 $10,000 – $19,999 0.25% Continuously/ Monthly
$20,000 $20,000 + 0.35% Continuously/ Monthly

APYs accurate as of Date.

NOW/Super NOW Checking: NOW and SUPER NOW Checking Accounts are available to individuals, non-profit organizations, and sole proprietors. Whenever your NOW account balance is $2,000 or more, you’ll receive the Super NOW stated APY.  Your interest rate and annual percentage yield may change at any time.  Interest begins to accrue on the business day you deposit non-cash items (for example, checks). We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest paid on the full balance in the account at the rate that corresponds to that deposit tier.  APY assumes interest remains on deposit. Withdrawal of interest will reduce earnings.  If the balance in your account falls below $500 in a statement cycle there is a $5 monthly maintenance fee, unless your account is designated 50+. By linking your account to a Regular Savings Account, Money Market Account or a Certificate of Deposit with a balance of $5,000 or more, or by signing up for any recurring direct deposit, the minimum balance requirement will be waived.  Other account fees may apply.  Fees may reduce earnings

Rewards Checking: Your interest rate and annual percentage yield may change at any time.  Interest begins to accrue on the business day you deposit non-cash items (for example, checks). We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest paid on the full balance in the account at the rate that corresponds to that deposit tier.  APY assumes interest remains on deposit. Withdrawal of interest will reduce earnings.  If the balance in your account falls below $5,000 in a statement cycle there is a $15 monthly maintenance fee. Other account fees may apply.  Fees may reduce earnings.

Product Minimum Deposit to Open Account Minimum Balance to Earn Annual Percentage Yield (APY) APY Interest Rate Interest Compounded / Credited
Regular Savings $10 $25 0.25% 0.25% Continuously/ Monthly
Club Savings $5 $5 0.25% 0.25% Simple/ Maturity
Kasasa Saver $50 Learn More about current rate and qualifications.
Young Savers $1.00 $1.00 0.25% 0.25% Continuous/ Monthly
Money Market Savings $500 $500 – $999 0.10% 0.10% Monthly/ Monthly
$1,000 $1,000 – $9,999 0.20% 0.20% Monthly/ Monthly
$10,000 $10,000 – $24,999 0.20% 0.20% Monthly/ Monthly
$25,000 $25,000 – $49,000 0.35% 0.35% Monthly/ Monthly
$50,000 $50,000 – $99,000 0.35% 0.35% Monthly/ Monthly
$100,000 $100,000 – $249,000 0.45% 0.45% Monthly/ Monthly
$250,000 $250,000 + 0.45% 0.45% Monthly/Monthly

APYs accurate as of Date.

Regular Savings: Your interest rate and annual percentage yield may change at any time.  Interest begins to accrue on the business day you deposit non-cash items (for example, checks). APY assumes interest remains on deposit. Withdrawal of interest will reduce earnings.  We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Other account fees may apply.  Fees may reduce earnings. You may make no more than six (6) preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or other similar transactions on your account per month or statement cycle.

Club Savings: Club Accounts may be opened at any time.  Your interest rate and annual percentage yield may change at any time.  Interest begins to accrue on the business day you deposit non-cash items (for example, checks). APY assumes interest remains on deposit. Withdrawal of interest will reduce earnings.  We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.  Interest credited at time of disbursement of proceeds. Club payments are due each Monday in even amounts selected by depositor. Passbook or automatic transfer with checking account is available and renew automatically each year.  Proceeds may be disbursed during the months of: February, April, June, August, September, October, November & December.  Clubs closed prior to maturity receive no interest. Other account fees may apply.  Fees may reduce earnings.

Young Savers Account – This account is for children ages 5 to 18 and must be joint with parent or legal guardian. You may make no more than six (6) preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or other similar transactions on your account per month or statement cycle.

Money Market Savings: Your interest rate and annual percentage yield may change at any time.  Interest begins to accrue on the business day you deposit non-cash items (for example, checks). APY assumes interest remains on deposit. Withdrawal of interest will reduce earnings.  We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest paid on the full balance in the account at the rate that corresponds to that deposit tier.  Balances of $500 to $999 will earn the NOW Checking Account Rate and APY.  Balances less than $500 do not earn interest and will incur a monthly maintenance fee of $5. Other account fees may apply.  Fees may reduce earnings. You may make no more than six (6) preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or other similar transactions on your account per month or statement cycle. Over limit activity charge $10.00 per transaction.

CD Term Minimum Deposit to Open Account Minimum Balance to Earn Annual Percentage Yield (APY) APY Interest Compounded / Credited
30 Days $500 $500 0.20% Monthly/Maturity
91 Days $500 $500 0.20% Quarterly/Monthly
182 Days $500 $500 0.30% Monthly/Monthly
1 Year $500 $500 1.25% Continuously/Monthly
18 Months $500 $500 1.30% Continuously/Monthly
IRA 18 Months Steady Earner $500 $500 1.30% Continuously/Monthly
IRA 18 Months Market Pacer $25 $25 1.30% Continuously/Monthly
2 Years $500 $500 1.50% Continuously/Monthly
3 Years $500 $500 1.75% Monthly/Monthly
5 Years $500 $500 2.00% Monthly/Monthly
7 Years $500 $500 2.25% Monthly/Monthly

APYs accurate as of Date.

Certificates of Deposit: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the day you deposit noncash items (for example checks). The interest rate for the account will be paid until the maturity date of your certificate. (Exception: the rate for an IRA Market Pacer is subject to change monthly to the rate currently being paid on the IRA Steady Earner.) This account will automatically renew at maturity. You will have seven (7) calendar days from the maturity date to withdraw your funds without being charged a penalty. After the account is opened you may not make deposits into or withdrawals other than earnings from the account until the maturity date. Interest can remain in account for compounding or be withdrawn by check provided a $5,000 balance is maintained in the certificate account. If any of the deposit is withdrawn before maturity a penalty as shown will be imposed which could result in partial loss of principal.

Term Early Withdrawal Penalty
30 Day 30 days interest
91 Day All interest earned minimum 30 days
182 Day 3 months interest
1 Year 3 months interest
13 months – 7 Year 6 months interest
New Jersey's Full Service Community Bank
(844) 626-2265
[email protected]
2221 Landmark Place
Manasquan
NJ
08736