Attention Customers:

Original Central Jersey Bank and Atlas Bank routing numbers are expired. Please verify that all ACH, Direct Deposit, and Wire Transfer activity use our current Kearny Bank routing number, 221270651. Failure to do so will result in rejected transactions.

Due to new federal banking regulations, please add the words “For Mobile Deposit Only at Kearny Bank” after your endorsement on any check you deposit using our mobile banking service. This will help prevent the duplicate processing of remotely deposited checks. We appreciate your cooperation.

Online Banking

Personal Rates

Effective Annual Percentage Yields (APY) listed are as of 7/26/2018. All interest rates are subject to change without notice. Fees could reduce earnings.

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Checking Accounts

Account

Interest Rate

APY

Additional Information

Min Bal. To Obtain APY

High Yield Checking

3.00

3.05

On balances up to 25,000, if account qualifies. Balances over $25,000 earn 0.25% interest rate on portion of balance over $25,000, resulting in 3.05% - 0.25% APY depending on the balance. Non-qualifying accounts receive 0.05% APY. Initial deposit of $50 required to open account.

Balances up to $25,000

Star Banking Plus Checking

0.25

0.25

Combined balance of $20,000+ (seniors 55 and over must have $10,000+) in Star Checking Account and any savings account. Monthly direct deposit required.

$20,000 combined in required accounts ($10,000 for seniors 55+)

N.O.W. Checking

0.10

0.10

$5 monthly fee if balance goes below $100

$100 Minimum balance

Savings Accounts

Account

Interest Rate

APY

Min Bal. To Obtain APY

Savings (Statement)

0.10

0.10

$100 Minimum deposit to open

Holiday Club

0.10

0.10

$5.00 Minimum Balance

Kid's Club Account

0.50

0.50

$10 Minimum deposit to open

Money Market Accounts

Account

Min Bal. To Obtain APY

Interest Rate

APY

Additional Information

Money Market Advantage

$0.01-$10,000

0.10

0.10

New Money ONLY. $100 Minimum deposit to open account. $1 Minimum balance to keep account open.

 

$10,000.01+

1.25

1.26

New Money ONLY. $100 Minimum deposit to open account. $1 Minimum balance to keep account open.

Money Market Savings

$2,500 Minimum deposit to open

0.10

0.10

Rate of 0.05% if balance drops below $2,500

Tiered Money Market Plus

$100,000-$199,999

1.10

1.11

Daily balance of $100,000 required to earn interest and avoid a monthly service fee of $25. The first $99,999 of your balance never earns interest.

 

$200,000-$999,999

1.50

1.51

Daily balance of $100,000 required to earn interest and avoid a monthly service fee of $25. Accounts earn a blended rate based on the tier requirements.

 

$1,000,000-$5,000,000

2.35

2.38

Daily balance of $100,000 required to earn interest and avoid a monthly service fee of $25. Accounts earn a blended rate based on the tier requirements.

Tiered Money Market

$2,500-$9,999

0.05

0.05

Balances below $2,500 earn no interest

 

$10,000-$24,999

0.10

0.10

Rate lower if balance drops below $10,000

 

$25,000-$49,999

0.25

0.25

Rate lower if balance drops below $25,000

 

$50,000+

0.25

0.25

Rate lower if balance drops below $50,000

Certificate Of Deposit Accounts

 

 

Retirement Accounts

Account

Interest Rate

APY

Term

Min Bal. To Obtain APY

Statement Savings IRA

0.25

0.25

0

$25 Minimum deposit to open

1 Year IRA

1.25

1.28

12

$500 Minimum deposit to open

1 Year IRA StarBanking Plus

1.40

1.43

12

$500 Minimum deposit to open

13 Month IRA 

2.40

2.46

 13

$500 Minimum deposit to open 

15 Month IRA

2.15

2.20

15

$500 Minimum deposit to open

15 Month IRA StarBanking Plus

2.30

2.36

 15

$500 Minimum deposit to open 

17 Month Step-Up IRA

1.22

1.25

17

$1,000 Minimum deposit to open

19 Month IRA

2.50

2.57

19

$500 Minimum deposit to open

19 Month IRA StarBanking Plus

2.65

2.72

 19

$500 Minimum deposit to open 

2 Year IRA

1.50

1.53

24

$500 Minimum deposit to open

2 Year IRA StarBanking Plus

1.65

1.69

24

$500 Minimum deposit to open

27 Month IRA

2.60

2.67

27

$500 Minimum deposit to open

27 Month IRA StarBanking Plus 

2.75

2.83

 27

$500 Minimum deposit to open 

29 Month Step-Up IRA

1.32

1.35

29

$1,000 Minimum deposit to open

3 Year IRA

1.75

1.79

36

$500 Minimum deposit to open

3 Year IRA StarBanking Plus

1.90

1.95

36

$500 Minimum deposit to open

4 Year IRA

2.00

2.05

48

$500 Minimum deposit to open

4 Year IRA StarBanking Plus

2.15

2.20

48

$500 Minimum deposit to open

54 Month IRA

1.61

1.65

54

$500 Minimum deposit to open

54 Month IRA StarBanking Plus

1.76

1.80

54

$500 Minimum deposit to open

5 Year IRA

2.25

2.31

60

$500 Minimum deposit to open

5 Year IRA StarBanking Plus

2.40

2.46

60

$500 Minimum deposit to open

*Note: Penalties for early withdrawal may reduce earnings. All interest rates are subject to change without notice. Must have a Star Banking checking account to qualify for StarBanking Plus IRAs.