Personal Savings

At NJ Community Bank, we want to help your savings grow. That’s why we’re a local community savings bank that offers all of the personal banking services you need, just the way you need them. Whether it’s statement savings, a money market, CD or an IRA, you can open an account with as little as $100 or $5 for a Kidsavers account. No matter which personal banking account you open, you’ll get the security and stability of NJCBK, plus the expertise of our friendly personal bankers who can help you get the most out of your savings.

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
  • Free Online and Mobile 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 Online and Mobile 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 Online and Mobile 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
  • Free Online and Mobile Banking. Access to your account 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!
  • Free Online and Mobile Banking. Access to your account 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. 

  • Flexible terms with maturities from three months to five years.
  • Low minimum balance of $1000.00
  • Individual retirement account (IRA) certificates are available.
  • 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 three months to sixty months
  • Low minimum balance of $1,000
  • Interest rate guaranteed for the term you select. 

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
  • Free Online and Mobile Banking. Access to your account 24-hours a day 7 days a week

Best Savings Accounts

It’s all about living the best life possible—and having the best savings account to help you do just that! As your community savings bank, we make it easy to save with advice and guidance every step of the way. You’ll enjoy personal banking services and products with high yield rates, flexible terms and convenient service. And as always, our online banking solutions help you cut down on paper statements and access your account anytime, anywhere. So you can just sit back and watch your savings grow!

If you’d like to take advantage of the best savings account for your personal needs, stop by your local branch today or call 732.431.2265 today.

IMPORTANT NOTICE - Freehold & Neptune City branches will be closed Saturday June 16, 2018 Learn more