Welcome To Our New Website!
Welcome To Our New Website!
When you want certainty, a Certificate of Deposit delivers. With an FNBA CD, you choose your term, make your deposit, and your rate is locked in from day one. No surprises. No watching the market. Just steady, guaranteed growth for the full length of your term, backed by a South Jersey community bank and insured by the FDIC.
Terms from 30 days to 84 months
FDIC Insured up to $250,000 per deposit account, funds greater than $250,000 are eligible based on ownership category.
Your rate is guaranteed; no market risk
When you open an FNBA CD, your rate is locked in for the entire term, regardless of what happens in the market. What you see is exactly what you earn.
Insured up to $250,000 per deposit account, funds greater than $250,000 are eligible based on ownership category.
Whether you are saving for something near-term or building long-term security, FNBA offers a full range of CD terms. Short-term options start at just 30 days; longer commitments stretch to 84 months for the highest available return.
Opening an FNBA CD means working with a local banker who knows you. Call or visit any South Jersey branch, and we will walk you through your options, confirm the current rate, and have your CD set up in a single visit.
This offer is for new money ONLY. Annual Percentage Yields (APYs) effective as of July 9, 2026 and may change without notice. The APY assumes interest remains on deposit to maturity. There are penalties for early withdraw. This offer may be withdrawn at any time. $10,000.00 Minimum deposit of “new” money required to earn advertised APY to a maximum of $250,000.
$10,000 Minimum
$10,000 Minimum
*APY accurate as of July 9, 2026. Minimum qualifications apply. Rates subject to change without notice. Fees may reduce earnings on the account. FDIC Insured. Equal Housing Lender.
*APY accurate as of July 9, 2026. Minimum qualifications apply. Rates subject to change without notice. Fees may reduce earnings on the account. FDIC Insured. Equal Housing Lender.
Term | Rate | APY* | IRA Eligible | Notes |
30 – 90 Days | 0.05% | 0.05% | No | Short-term savings goal |
91 – 181 Days | 0.05% | 0.05% | No | Short-term savings goal |
182 – 364 Days | 0.05% | 0.05% | No | Bridge to longer-term savings |
12 – 17 Months | 0.10% | 0.10% | Yes | IRA-eligible |
18 – 35 Months | 0.15% | 0.15% | Yes | IRA-eligible |
36 – 47 Months | 0.20% | 0.20% | Yes | IRA-eligible |
48 – 59 Months | 0.25% | 0.25% | Yes | IRA-eligible |
60 – 83 Months | 0.30% | 0.30% | Yes | IRA-eligible |
84 Months | 1.00% | 1.00% | Yes | Highest available term; IRA-eligible |
FNBA CDs are open to new and existing personal banking customers. No prior relationship with FNBA is required to open a CD.
A banker will confirm the current minimum when you call or visit.
Individual, joint, and custodial ownership available. Ask a banker at any South Jersey branch for additional information.
CDs with terms of 12 months or longer are eligible for Traditional and Roth IRA accounts.. IRA contribution limits and tax rules apply; consult a qualified tax advisor.
Two forms of valid government-issued photo ID (driver’s license, state ID, or passport) and Social Security number required. All CDs must be opened in person at a South Jersey branch or by phone.
Penalties apply for early withdrawal. The penalty amount varies by CD term. A banker will explain the exact penalty for your chosen term before you open.
At maturity, withdraw funds and interest, roll into a new CD, or transfer to another FNBA account. FNBA will notify you in advance of your CD maturity date.
Visit any FNBA branch in South Jersey and a banker will confirm the current minimum and help you get started.
When your CD reaches its maturity date, FNBA will notify you in advance. At that point, you have three options: withdraw your original deposit and all interest earned, roll your funds into a new CD at the current rate, or transfer them to another FNBA account. A banker can walk you through whichever option best fits your next goal.
No. Once a CD is opened, the deposit amount is fixed for the full term. If you would like to save more during your CD term, you can open an additional CD with a new deposit, or place extra funds in an FNBA Statement Savings account until your next term begins. Ask a banker about a CD ladder strategy to keep your savings working at all times.
Yes. FNBA imposes an early withdrawal penalty on CDs, and the amount varies by term. Before you open your CD, a banker at any South Jersey branch will explain the exact penalty that applies to your chosen term so there are no surprises.
Yes, Insured up to $250,000 per deposit account, funds greater than $250,000 are eligible based on ownership category.
Fill out the form below and an FNBA banker is ready to help. Tell us what you’re looking for and we will be in touch within one business day to discuss your options.
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