Personal Savings

We offer you choices at New Jersey Community Bank, Passbook or Statement, whichever you prefer!  And you can open an account with as little as $ 100.00 or $ 5.00 for a Kidsavers Account.

Step Rate Statement Savings

Avoid risky investments and take advantage of this tiered rate savings account that combines the money market rates you want with deposit insurance coverage provided by the Federal Deposit Insurance Corporation.

• Competitive tiered interest rate – deposit more, earn more
• Monthly statement
• Your New Jersey Community Bank MasterCard Check Card gives you easy access to your account at any ATM
• The safety of FDIC Insurance
• Free telephone and Online Banking access to your account 24  hours a day 7 days a week

Money Market Account

If you maintain higher balance and prefer the convenience of access to your funds by check, you may consider New Jersey Community Bank’s Money Market Account

• Competitive tiered interest rate
• Monthly statement
• $500 minimum balance to avoid monthly service charge
• The ability to make six withdrawals per month, three of which can be checks
• Your New Jersey Community Bank MasterCard Check Card gives you easy access to your account at any ATM (limited as listed above)
• The safety of FDIC Insurance
• Free telephone and Online Banking access to your account 24 hours a day 7 days a week

Statement Savings

In addition to very competitive interest rates and unlimited cash withdrawals, our Statement Savings Account offers:

• Competitive interest rate
• Monthly statement
• Your New Jersey Community Bank Master Card Check Card gives you easy access to your account at any ATM
• The safety of FDIC Insurance
• Free telephone and Online Banking access to your account 24 hours a day 7 days a week

Passbook Savings Account

If you prefer a passbook, we are ready to meet your request.  Unlike some of our competitors we understand that some people prefer a passbook, so come in and enjoy the friendly, professional service at New Jersey Community Bank.

• Competitive interest rate
• The safety of FDIC insurance
• Free Telephone and Online Banking access to your account (no transaction activity) 24 hours a day 7 days a week.

Kidsavers Account

A Kidsavers passbook account is the way to go for your young saver.  No minimum balance requirement, it is an easy way for parents to help their kids learn and understand the value of savings. 

• No maintenance or activity fees for account owners under age 21
• Free Gift
• The safety of FDIC Insurance
• Free telephone and Online Banking access to your account (no transaction activity) 24 hours a day 7 days a week.

Certificates of Deposit

CDs offer you the ability to earn a higher rate of interest by depositing a specific amount for a specified period of time;New Jersey Community Bank offers a wide variety of certificates to meet your investment goals.  Customize your investment by choosing the term that best meets those goals.  And you receive a passbook to keep track of your investment!  

• "NJoy"terms with maturities from three months to three years.
• $1000 minimum balance required for terms of one year or less, and just $500 for terms of more than one year.
• Individual retirement account certificates are available.
• Preferred rates for Platinum Pluscustomers.
• Interest penalties may be imposed for withdrawals of principal prior to maturity.

Individual Retirement Accounts   

Whatever investment option  you are looking for, New Jersey Community Bank has the plan for you, whether it be a Traditional IRA or a Roth.

• Flexible terms from 12 months  to 48 months
• Low Minimum balance of $1,000
• Interest rate guaranteed for the term you select. 

Christmas Club 

Start saving for the Holidays or for that vacation you have been wanting to take

• Available in statement format
• No minimum balance
• Balance disbursement in October by check or into another account
• Automatic transfers available help you keep saving
• Maintain the same account number year after year
• Earn interest as you save
• Free telephone and Online Banking access to your account (no transaction activity) 24 hours a day 7 days a week

E-Statement

If you prefer the convenience of online banking and want to avoid all that paper, opt for our E-Statement Savings Account!

• Change your existing statement account to E-statement – no need to change the account number
• Open a new statement savings account and opt  for the E-Statement format
• Earn more interest while eliminating the need to receive a paper statement each month
• Your New Jersey Community Bank MasterCard Check Card gives you easy access to your account at any ATM
• The safety of FDIC Insurance
• Free telephone and Online Banking access to your account 24 hours a day 7 days a week