Highest Club Savings Account Rates in New Jersey
21 New Jersey-specific products
The New Jersey market
New Jersey accounts
21
Institutions
14
Top New Jersey APY
4.00% APY
FDIC national average
0.37%
As of Sep 2026
21 club savings accounts are open only to New Jersey residents, from 14 institutions. The highest advertised APY among them is 4.00%.
6 of the 21 New Jersey club savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
New Jersey-Specific Club Savings Accounts
Club Savings accounts specifically available to New Jersey residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | New Millennium Bank Millennium Club Account 1 Year Term 4.00%APY Min. balance: $1,000 Observed: Oct 12, 2026 Show Details | +$400per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $1,000 | |
| #2 | New Millennium Bank Millennium Club Account 2 Years Term 2.00%APY Min. balance: $1,000 Observed: Oct 12, 2026 Show Details | +$200per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $1,000 | |
| #3 | New Millennium Bank Millennium Club Account 3 Years Term 2.00%APY Min. balance: $1,000 Observed: Oct 12, 2026 Show Details | +$200per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $1,000 | |
| #4 | Show Details | +$100per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #5 | Show Details | +$50per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #6 | Show Details | +$50per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #7 | Show Details | +$35per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #8 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #9 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $2 | |
| #10 | The First National Bank of Elmer Christmas Club Accounts 0.20%APY Min. balance: $1 Observed: Oct 7, 2026 Show Details | +$20per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | N/A | |
| #11 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #12 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #13 | Show Details | +$10per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #14 | Show Details | +$10per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #15 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $2 | |
| #16 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $2 | |
| #17 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #18 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #19 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #20 | Show Details | +$5per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #21 | Show Details | +$2per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 |
New Millennium Bank
Millennium Club Account 1 Year Term
What to Watch
Opening this account requires an auto-debit from a New Millennium Bank checking account. After the opening deposit the holder must make an equal deposit on the same date each month until maturity to earn the published yield. The bank closes the account on any withdrawal of principal or interest, and also when no deposit is made for three consecutive months. The account does not renew at maturity.
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| Min. Deposit | $1,000 |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35151) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
New Millennium Bank
Millennium Club Account 2 Years Term
What to Watch
Opening this account requires an auto-debit from a New Millennium Bank checking account. After the opening deposit the holder must make an equal deposit on the same date each month until maturity to earn the published yield. The bank closes the account on any withdrawal of principal or interest, and also when no deposit is made for three consecutive months. The account does not renew at maturity.
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| Min. Deposit | $1,000 |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35151) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
New Millennium Bank
Millennium Club Account 3 Years Term
What to Watch
Opening this account requires an auto-debit from a New Millennium Bank checking account. After the opening deposit the holder must make an equal deposit on the same date each month until maturity to earn the published yield. The bank closes the account on any withdrawal of principal or interest, and also when no deposit is made for three consecutive months. The account does not renew at maturity.
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| Min. Deposit | $1,000 |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35151) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Union County Savings Bank
Holiday Club Savings
What to Watch
The balance is paid to another account at the bank when the club term ends. No partial withdrawals are allowed, and an early withdrawal can close the account with loss of the interest earned.
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| Min. Deposit | $50 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 12013) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Monroe Savings Bank
Holiday Club Savings
What to Watch
Deposits are made weekly in fixed amounts of $5, $10 or $20. A withdrawal before the payout costs $2.00 and the interest earned.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30103) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Monroe Savings Bank
Vacation Club Savings
What to Watch
Deposits are made weekly in fixed amounts of $5, $10 or $20. A withdrawal before the payout costs $2.00 and the interest earned.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30103) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Commerce Bank
Holiday Club Savings
What to Watch
Variable rate. If the account is closed before the end of its 52-week term, all interest earned is forfeited and a $5.00 fee applies. An account with no activity for 90 days closes automatically.
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| Min. Deposit | $5 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58054) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Hope Bank, A National Banking Association
Hopes & Dreams Club
What to Watch
Deposits are made by automatic transfer from a First Hope Bank checking or savings account. The club runs for 52 weeks from opening. The balance can be withdrawn up to 30 days after maturity, and the club renews automatically if it is not withdrawn. A $10 early termination fee applies if the account is closed before maturity.
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| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 6354) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
GSL Savings Bank
Holiday Club
What to Watch
Deposits must stay in the account until the club checks are processed in the first part of October each year. Interest is paid as simple interest and is not compounded.
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| Min. Deposit | $2 |
| Min. Balance | $2 |
| Maintenance Fee | $0 |
| Compound Freq | Doesn't compound |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28708) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The First National Bank of Elmer
Christmas Club Accounts
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | Doesn't compound |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 6464) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bogota Savings Bank
Winter & Summer Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | at maturity |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29941) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Manasquan Bank
Club Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30470) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Schuyler Savings Bank
Holiday Club
What to Watch
The account is opened by setting up an automatic transfer from another Schuyler checking or savings account, in a fixed amount of $10, $20 or $25. Deposits of any amount can be added at any time. The balance is disbursed by check in October.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | Doesn't compound |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30072) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Schuyler Savings Bank
Vacation Club
What to Watch
The account is opened by setting up an automatic transfer from another Schuyler checking or savings account, in a fixed amount of $10, $20 or $25. Deposits of any amount can be added at any time. The balance is disbursed by check in April.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | Doesn't compound |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30072) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Pennsville National Bank
Anything Club
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| Min. Deposit | $2 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19978) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Pennsville National Bank
Christmas Club
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| Min. Deposit | $2 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19978) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Hope Bank, A National Banking Association
Holiday Club
What to Watch
Deposits are made by automatic transfer from a First Hope Bank checking or savings account. The club runs for 52 weeks beginning in October. A $10 early termination fee applies if the account is closed before maturity.
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| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 6354) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
Mid Penn Bank
Club Savings
What to Watch
A penalty of $20.00 is charged for each withdrawal made before maturity. Interest is credited at maturity and none is paid before then.
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| Min. Deposit | $1 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Doesn't compound |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 9889) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Mid Penn Bank
Vacation Club
What to Watch
A penalty of $20.00 is charged for each withdrawal made before maturity. Interest is credited at maturity and none is paid before then.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Doesn't compound |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 9889) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
PS Bank
Club Account
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 444) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Sturdy Savings Bank
Holiday Club
What to Watch
The term is 52 weeks, and no withdrawal is permitted while it runs. The funds are paid out on the first Wednesday of each October and mailed to you. Closing the account early costs $15.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28788) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |