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Share Certificate Account

Earn the most interest you can with your money

Higher Interest Rates

Share Certificates earn you more

Share Certificate Account

Share Term Certificates are an excellent option for saving money while earning at a higher rate. Maximize your money with an NJFCU Share Certificate.


  • Minimum opening deposit as low as $500
  • Terms from 30 days to 60 months
  • Competitive fixed Rates
  • Dividends are compounded and paid monthly
  • Balances insured up to $250,000 through NCUA

Maximize your Money

with Higher Interest Rates & Earn more!

The information in the rate tables below may not fully be viewable on certain smaller resolution devices. Please rotate your device to landscape orientation to ensure you are viewing the entire table of information or please use a desktop computer.

TERM30 Days3 Months6 Months9 Months12 Months..... ...... ..... .
Annual Percentage Yield (APY), %
Dividend Rate, %0.05%0.05%0.10%0.10%0.20%
Dividends CreditedMonthlyMonthlyMonthlyMonthlyMonthly
Minimum Opening Balance
Minimum to Earn APY$1000.00$1000.00$1000.00$1000.00$500.00
TERM18 Months24 Months30 Months36 Months48 Months60 Months
Annual Percentage Yield (APY), %
Dividend Rate, %0.20%0.30%0.30%0.35%0.40%0.50%
Dividends CreditedMonthlyMonthlyMonthlyMonthlyMonthlyMonthly
Minimum Opening Balance
Minimum to Earn APY$500.00$500.00$500.00$500.00$500.00$500.00
*If At Any Time Your Account Falls Below $50 (Par Value) Your Account Will Be Subject To A $5.00 Fee Per Quarter. A Balance Of Less Than $50 Without Activity In Account For The Prior 12 Months Will Cause A Dormancy Fee Of $10.00 Per Month. There Is A $3 Fee For Overdraft Protection And A Maximum Of 6 Electronic Debits, Including Overdraft Transfers, Are Allowed Per Month.

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