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Certificates of Deposit

Lock in higher returns and lower your risk.

Certificates of Deposit (CDs) are one of the safest and most convenient ways to invest with Kearny Bank. On a CD, the interest rate is determined in advance and you’re guaranteed to get back what you put in, plus interest once the CD matures.

Generally speaking, the longer the term length, the higher the interest rate you’ll earn. Our Personal Banking Relationship Manager will help you determine if a CD is right for your financial goals.

Secure your savings

Certificates of Deposit (CDs) are one of the safest and most convenient ways to invest with Kearny Bank. These savings accounts, with terms from 30 days to 5 years, offer an excellent return backed by the complete safety of FDIC Insurance to at least $250,000, for each depositor.

If you are considering opening multiple CDs, we can also advise you on the best way to stagger accounts, and make it a point to keep you up to date on your activity. Maturity notices are mailed for any CDs with a term of 3 months or longer and for maximum convenience, CDs are automatically renewed at prevailing rates.

Account Interest Rate APY Months Min Bal. To Obtain APY
30 Day CD 0.05 0.05 1 $25,000 Minimum deposit to open
91 Day CD 0.15 0.15 3 $1,000 Minimum deposit to open
6 Month CD 0.65 0.66 6 $1,000 Minimum deposit to open
7 Month CD 1.81 1.85 7 $1,000 Minimum deposit to open
1 Year CD 1.47 1.50 12 $500 Minimum deposit to open
1 Year CD StarBanking Plus 1.61 1.65 12 $500 Minimum deposit to open
2 Year CD 1.50 1.53 24 $500 Minimum deposit to open
2 Year CD StarBanking Plus 1.65 1.69 24 $500 Minimum deposit to open
3 Year CD 1.52 1.55 36 $500 Minimum deposit to open
3 Year CD StarBanking Plus 1.66 1.70 36 $500 Minimum deposit to open
4 Year CD 1.52 1.55 48 $500 Minimum deposit to open
4 Year CD StarBanking Plus 1.66 1.70 48 $500 Minimum deposit to open
5 Year CD 1.52 1.55 60 $500 Minimum deposit to open
5 Year CD StarBanking Plus 1.66 1.70 60 $500 Minimum deposit to open

*Note: Effective Annual Percentage Yields (APY) listed are as of 12/10/2019. All interest rates are subject to change without notice. Must have a Star Banking checking account to qualify for StarBanking Plus CDs.

Secure your savings

These savings accounts, with terms from 30 days to 5 years, offer an excellent return backed by the complete safety of FDIC Insurance to at least $250,000, for each depositor.

If you are considering opening multiple CDs, we can also advise you on the best way to stagger accounts, and make it a point to keep you up to date on your activity. Maturity notices are mailed for any CDs with a term of 3 months or longer and for maximum convenience, CDs are automatically renewed at prevailing rates.

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