Best Banks & Credit Unions in Newark, New Jersey

Banks and credit unions serving Newark, New Jersey. Compare up to 4.05% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Newark, New Jersey. All rankings inherit from the New Jersey state directory — every institution listed is licensed to serve Newark residents and is either headquartered in New Jersey or operates branches in the metro.

Top options in Newark

• Columbia Bank — 4.05% APY. New Jersey community bank with strong local presence and relationship deposit rates.
• American Heritage Credit Union — 3.81% APY. 12-month Certificate: APY paid on $1,000 minimum balance; $500 minimum certificates available at 0.10% lower APY; rate effective August 21, 2026 per the page. Read Sep 7, 2026 on americanheritagecu.org.
• Citizens Bank (NJ) — 3.75% APY. Citizens Bank (which acquired Investors Bank in 2022) offers Quest Money Market with competitive yields for higher balances across New Jersey.
• Navy Federal Credit Union (NJ) — 3.70% APY. 12-month Short-Term Certificate: $1K minimum APY column; 3.70% at $1K and $20K, 3.75% at $100K; penalties apply for early withdrawal. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.
• Visions Federal Credit Union — 3.50% APY. 12-month Share Certificate: 12 month to 17 month band; $500.00 minimum opening balance, fixed rate; rates effective September 2, 2026 to September 8, 2026 per the page; read on visionsfcu.org/rates/ira-rates. Read Sep 7, 2026 on visionsfcu.org. Rates as of 2026-09-01 per the page.
• Affinity Federal Credit Union — 3.25% APY. 12-month Certificate Account: Unless otherwise noted, certificates can be opened with a minimum deposit of $500; certificate rates accurate as of 8/27/2026 per the page. Read Sep 7, 2026 on affinityfcu.com. Rates as of 2026-09-07 per the page.

Banks with more than one branch in Newark

Each opens every one of that bank's offices in Newark, with the address of each and what it holds.

• Wells Fargo Bank, National Association in Newark — 8 branches
• PNC Bank, National Association in Newark — 4 branches

Other New Jersey cities

• Banks in Jersey City
• Banks in Paterson
• Banks in Elizabeth
• Banks in Lakewood
• Banks in Edison
• Banks in Woodbridge
• Banks in Toms River
• Banks in Hamilton

See the full New Jersey banks directory for every institution we've verified in the state, plus the underlying methodology.