The best CD rates in New Jersey were predominantly unchanged for the week ending June 4, 2009.  The average of the best six month CD rates fell by one basis point or 1/100 of a percent to end the week at 2.27%.  The average of the best one year CD rates increased by two basis points to 2.43%.  The two year CD rates were unchanged at 2.73%.  The average of the five year CD rates gained one basis point from 3.50% to 3.51%. 

The highest CD rate with a six month CD term is marketed by Wilshire State Bank with an interest rate of 2.52%.  Wilshire State Bank makes this CD rate available nationwide and is also the leader on the national rate list for the six month CD rate.  The highest one year CD rate can be found at Mutual Bank on their promotional 16 month term CD that has an interest rate of 2.56%.  Not far behind that rate is Wilshire State Bank’s one year CD rate of 2.52%.

The best two year CD rate in New Jersey is at 2.79% on an odd term, 21 month CD from Liberty Bell Bank.  The second highest two year CD rate is at 2.75% and can be found at First Bank, The Bank of Princeton as well as First Choice Bank.  The best five year CD rate comes from The Bank of Princeton with an interest rate of 3.55%.  Metuchen Savings Bank has a four year CD rate that two basis points back at 3.53%.  Several banks in New Jersey offer five year CD rates at 3.50%.

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