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Highest Club Savings Account Rates in New Jersey
21 New Jersey-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top New Jersey Rate:4.00%

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.

#1

New Millennium Bank

Millennium Club Account 1 Year Term

+$400
per year
4.00% APY
Oct 12, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

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.

Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 35151)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteNew Millennium Bank

Direct Link to Product Page (Not Sponsored)

#2

New Millennium Bank

Millennium Club Account 2 Years Term

+$200
per year
2.00% APY
Oct 12, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

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.

Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 35151)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteNew Millennium Bank

Direct Link to Product Page (Not Sponsored)

#3

New Millennium Bank

Millennium Club Account 3 Years Term

+$200
per year
2.00% APY
Oct 12, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

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.

Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 35151)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteNew Millennium Bank

Direct Link to Product Page (Not Sponsored)

#4

Union County Savings Bank

Holiday Club Savings

+$100
per year
1.00% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access

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.

Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 12013)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteUnion County Savings Bank

Direct Link to Product Page (Not Sponsored)

#5

Monroe Savings Bank

Holiday Club Savings

+$50
per year
0.50% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access

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
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30103)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMonroe Savings Bank

Direct Link to Product Page (Not Sponsored)

#6

Monroe Savings Bank

Vacation Club Savings

+$50
per year
0.50% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access

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
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30103)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMonroe Savings Bank

Direct Link to Product Page (Not Sponsored)

#7

First Commerce Bank

Holiday Club Savings

+$35
per year
0.35% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

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.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$100
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58054)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst Commerce Bank

Direct Link to Product Page (Not Sponsored)

#8

First Hope Bank, A National Banking Association

Hopes & Dreams Club

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 6354)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst Hope Bank, A National Banking Association

Direct Link to Product Page (Not Sponsored)

#9

GSL Savings Bank

Holiday Club

+$25
per year
0.25% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

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.

Show Fine Print & Trends
Min. Deposit$2
Min. Balance$2
Maintenance Fee$0
Compound FreqDoesn't compound
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28708)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteGSL Savings Bank

Direct Link to Product Page (Not Sponsored)

#10

The First National Bank of Elmer

Christmas Club Accounts

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$1
Maintenance Fee$0
Compound FreqDoesn't compound
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 6464)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe First National Bank of Elmer

Direct Link to Product Page (Not Sponsored)

#11

Bogota Savings Bank

Winter & Summer Club

+$15
per year
0.15% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$5
Min. BalanceN/A
Maintenance Fee$0
Compound Freqat maturity
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29941)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteBogota Savings Bank

Direct Link to Product Page (Not Sponsored)

#12

Manasquan Bank

Club Savings

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$5
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30470)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteManasquan Bank

Direct Link to Product Page (Not Sponsored)

#13

Schuyler Savings Bank

Holiday Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

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
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqDoesn't compound
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30072)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteSchuyler Savings Bank

Direct Link to Product Page (Not Sponsored)

#14

Schuyler Savings Bank

Vacation Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

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
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqDoesn't compound
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30072)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteSchuyler Savings Bank

Direct Link to Product Page (Not Sponsored)

#15

The Pennsville National Bank

Anything Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$2
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 19978)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Pennsville National Bank

Direct Link to Product Page (Not Sponsored)

#16

The Pennsville National Bank

Christmas Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$2
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 19978)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Pennsville National Bank

Direct Link to Product Page (Not Sponsored)

#17

First Hope Bank, A National Banking Association

Holiday Club

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 6354)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst Hope Bank, A National Banking Association

Direct Link to Product Page (Not Sponsored)

#18

Mid Penn Bank

Club Savings

+$5
per year
0.05% APY
Oct 8, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDoesn't compound
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 9889)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMid Penn Bank

Direct Link to Product Page (Not Sponsored)

#19

Mid Penn Bank

Vacation Club

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDoesn't compound
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 9889)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMid Penn Bank

Direct Link to Product Page (Not Sponsored)

#20

PS Bank

Club Account

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$0
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 444)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePS Bank

Direct Link to Product Page (Not Sponsored)

#21

Sturdy Savings Bank

Holiday Club

+$2
per year
0.02% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

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
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28788)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteSturdy Savings Bank

Direct Link to Product Page (Not Sponsored)