Term Share Certificates
Earn the most interest you can with your money
Higher Interest Rates
Term Share Certificates earn you more
Maximize your Money
with Higher Interest Rates & Earn more!
5/1 Adjustable-rate mortgage (ARM)
Finance rates and APRs are valid as of 08/25/2025 and are subject to change without notice. As of 08/25/2025, a sample $100,000, 5/1 ARM conforming mortgage APR is subject to change daily, with a monthly payment of $8.58 per thousand. APRs are subject to change. Estimated monthly payment does not include taxes and insurance premiums, and the actual monthly payment will be greater. Program is available in New Jersey only for single-family, owner occupied 1-4 units , owner-occupied homes with a minimum loan amount of $100,000 and a maximum equal to conforming loan limits. Mortgage must be in first lien position. First adjusted interest rate cap 2.00%, Subsequent adjusted interest rate cap 2.00%, rate adjustment frequency of 12 months. Fees Apply.
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Regular Term Share Certificates
3 Months - 12 Months
| TERM | 3 Months | 6 Months | 12 Months |
|---|---|---|---|
| DIVIDENDS Annual Percentage Yield (APY), % | 0.05% | 0.10% | 1.36% |
| Dividend Rate, % | 0.05% | 0.10% | 1.35% |
| Dividends Credited | Monthly | Monthly | Monthly |
| BALANCE REQUIREMENTS Minimum Opening Balance | $1000.00 | $1000.00 | $500.00 |
| Minimum to Earn APY | $1000.00 | $1000.00 | $500.00 |
*We may impose a penalty if you withdraw any of the funds before the maturity date. The penalty will be up to 90 days loss of dividends on the amount withdrawn for term share certificates with terms of 3 months to 6 months, 180 days loss of dividends on the amount withdrawn for term share certificates with terms of over 12 months to 18 months, 270 days loss of dividends on the amount withdrawn for term share certificates with terms of 24 months to 30 months, and 365 days loss of dividends on the amount withdrawn for term share certificates with terms of 36 months to 60 months. You will have a grace period of 3 business days after maturity date to notify NJFCU of your intent to either a) renew your certificate at the prevailing rate, or b) withdraw the funds in the account without being charged an early withdrawal penalty. Withdrawals must be requested in writing. Unless we’re notified otherwise, accounts will auto-renew at current rate & same term.
The information in the rate table below may not fully be viewable on certain smaller resolution devices. Please scroll the table contents or you can rotate your device to landscape orientation to ensure you are viewing the entire table contents.
Regular Term Share Certificates
18 Months - 60 Months
| TERM | 18 Months | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|---|
| DIVIDENDS Annual Percentage Yield (APY), % | 4.00% | 1.76% | 1.92% | 2.78% | 2.17% |
| Dividend Rate, % | 3.93% | 1.75% | 1.90% | 2.75% | 2.15% |
| Dividends Credited | Monthly | Monthly | Monthly | Monthly | Monthly |
| BALANCE REQUIREMENTS Minimum Opening Balance | $500.00 | $500.00 | $500.00 | $500.00 | $500.00 |
| Minimum to Earn APY | $500.00 | $500.00 | $500.00 | $500.00 | $500.00 |
*We may impose a penalty if you withdraw any of the funds before the maturity date. The penalty will be up to 90 days loss of dividends on the amount withdrawn for term share certificates with terms of 3 months to 6 months, 180 days loss of dividends on the amount withdrawn for term share certificates with terms of over 12 months to 18 months, 270 days loss of dividends on the amount withdrawn for term share certificates with terms of 24 months to 30 months, and 365 days loss of dividends on the amount withdrawn for term share certificates with terms of 36 months to 60 months. You will have a grace period of 3 business days after maturity date to notify NJFCU of your intent to either a) renew your certificate at the prevailing rate, or b) withdraw the funds in the account without being charged an early withdrawal penalty. Withdrawals must be requested in writing. Unless we’re notified otherwise, accounts will auto-renew at current rate & same term.
