Savings Rates

Savings Rates

Savings & Checking Accounts

Effective October 1, 2020

Account TypeRateAPY
Premier Checking.01%.01%
Basic CheckingNone 
Regular Shares.01%.01%
Money Market  
  $50,000.00 plus.05%.05%
  $10,000.00 – $49,999.99.05%.05%
  up to $9,999.99.05%.05%
Youth Account.01%.01%
Vacation Club.01%.01%
Holiday Club.01%.01%
IRA variable rate shares.01%.01%
  • APY = Annual Percentage Yield
  • Regular, Roth & Educational IRAs are offered by NJ Gateway FCU with no annual fees.
  • Rates are prospective, based on Credit Union earnings.
  • Premier Checking, Money Market, Clown Club, Student Union and IRA Shares are subject to change.
  • Regular Shares, Holiday & Vacation Clubs are subject to change.

Certificate Rates

(also offered for IRA Accounts)

TermMinimum DepositRateAPY
3 months$10,000.05%.05%
6 months$1000.05%.05%
12 months$1000.05%.05%
24 months$1000.10%.10%
36 months$1000.15%.15%
48 months$1000.20%.20%
60 months$1000.25%.25%
Rates subject to change
  • IRA Certificates must be 1 year or longer, with $500 minimum balance.
  • Penalties for early withdrawal:
    • 45 days on 3 month Certificates
    • 90 days on longer than 3 month Certificates but less than 12 month Certificates
    • 180 days on 1 year and longer Certificates


                                                   Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

National Credit Union Administration Logo                                                                                          National Credit Union Administration, a U.S. Government Agency

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