Highest IRA Savings Account Rates in New Jersey
13 New Jersey-specific products
Top New Jersey Rate:3.25% APYFDIC or NCUA Insured
The New Jersey market
New Jersey accounts
13
Institutions
12
Top New Jersey APY
3.25% APY
Nationally: 2.00% APY
FDIC national average
0.37%
As of Sep 2026
13 IRA savings accounts are open only to New Jersey residents, from 12 institutions. The highest advertised APY among them is 3.25%.
The highest nationally available rate is 2.00% APY, 125 basis points below the New Jersey leader.
3 of the 13 New Jersey IRA savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
New Jersey-Specific IRA Savings Accounts
IRA Savings accounts specifically available to New Jersey residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Peapack Private Bank & Trust Personal Individual Retirement Accounts IRAs 3.25%APY Observed: Oct 3, 2026 Show Details | +$325per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $500 | |
| #2 | Show Details | +$60per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $500 | |
| #3 | Show Details | +$40per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #4 | Show Details | +$30per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #5 | Show Details | +$25per year | We could not confirm: minimum deposit. Features Low MinimumsIn-Person Access | N/A | |
| #6 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #7 | Show Details | +$15per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #8 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #9 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #10 | Unity Bank Money Market IRA Up to0.15%APY Needs at least $50,000 Min. balance: $100 Observed: Oct 13, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #11 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #12 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #13 | Show Details | +$2per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 |
#1
Peapack Private Bank & Trust
Personal Individual Retirement Accounts IRAs
+$325
per year
3.25% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $500 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11035) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Very StableNo rate changes in last 90 days
#2
Union County Savings Bank
IRA Savings
+$60
per year
0.60% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $500 |
| Min. Balance | $500 |
| 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
StableNo rate changes in last 7 days
#3
The Pennsville National Bank
IRA Account
+$40
per year
0.40% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| 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
StableNo rate changes in last 30 days
#4
First Commerce Bank
IRA Express Savings
+$30
per year
0.35% APY
Oct 13, 2026
Needs at least $100,000
APY Range: 0.30% – 0.35%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| 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
No movement is shown for an “Up to” rate.
#5
CENTRAL JERSEY
IRA Savings
+$25
per year
0.25% APY
Oct 7, 2026
Low MinimumsIn-Person Access
What to Watch
Variable rate. The APY can change after account opening.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | Check Terms |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
#6
GSL Savings Bank
IRA Savings Account
+$15
per year
0.15% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | continuously |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28708) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#7
PS Bank
IRA Savings
+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access
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
StableNo rate changes in last 30 days
#8
First Hope Bank, A National Banking Association
IRA Savings
+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| 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
StableNo rate changes in last 7 days
Official SiteFirst Hope Bank, A National Banking Association
Direct Link to Product Page (Not Sponsored)
#9
The Pennsville National Bank
Money Market IRA
+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| 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
StableNo rate changes in last 30 days
#10
Unity Bank
Money Market IRA
+$10
per year
0.15% APY
Oct 13, 2026
Needs at least $50,000
APY Range: 0.00% – 0.15%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 33503) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#11
1st Bank of Sea Isle City
Passbook IRA
+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30367) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#12
The Bank of Princeton
IRA Savings
+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58513) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#13
Sturdy Savings Bank
Savings Retirement Account
+$2
per year
0.02% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28788) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
Nationally Available IRA Savings Accounts
The 3 highest-rate ira savings accounts available nationwide, including in New Jersey.
| Institution | Product / Term | APY |
|---|---|---|
| nbkc Bank | Personal IRA Savings | 2.00% |
| Synchrony Bank | IRA Money Market Account | 2.00% |
| Carver Bank | Savings Liquit IRA | 0.10% |