If there's one universal truth, it's that all of our bodies begin changing at some point. That's especially true for women who are over the age of 50. One day it seems like we're rolling out of bed with a pep in our step. The next, our emotions are out of control, our weight won't go down, and we constantly have hot flashes. If that sounds like you, don't worry â millions of other women worldwide are going through the same difficulties.
The fact of the matter is these symptoms are part of a natural process women go through. This change, called menopause, marks the end of a woman's ability to reproduce and menstruate. The average age for this to occur is 51, though it officially begins a year after a woman's final period. During this transition to menopause, estrogen and other hormones in a woman's body start to deplete When those hormones deplete, frequent and sometimes severe symptoms can manifest:
The symptoms of hormone deficiency can be scary for both women and their partners. That makes dealing with a hormone deficiency tricky because many symptoms are tied to nutrition, stress, lack of exercise, and toxins in your body.
However, if you're getting older and dealing with some of the symptoms listed above, have hope. A solution to your hormone problems may be closer than you think. Hormone replacement therapy for women may help correct imbalances caused by menopause. These effective, safe treatments help many women throughout the menopause process and may even help them reclaim their youth.
To live a healthy life, hormone stability is very important for women. That's where the beauty of HRT treatments for women begins to shine because it balances hormones that would otherwise be altered due to menopause.
HRT treatments for women represent a revolutionary step toward living life without the pitfalls of old age. However, at Juventee, we understand that no two women, and by proxy, patients, are the same. That's why our team of doctors and specialists provide personalized treatment options for women, combining holistic treatment, nutrition, fitness plans, and more to supplement our HRT treatments.
Is HRT the answer if you feel exhausted, overweight, and moody? That's the million-dollar question that we're asked almost every day. And to be honest, it's hard to say without a comprehensive exam by an HRT expert at Juventee. What we can say is that when a woman's hormones are better balanced during menopause, she has a much better chance of enjoying life without the crippling symptoms that other women feel.
At Juventee, helping women reclaim their vitality and love of life is our top priority. While some HRT clinics see patients as nothing more than a means to make money, our team is cut from a different cloth.
The key to balancing your hormones and improving your well-being is a process that we have refined over time. The Juventee HRT process consists of a comprehensive review of your health and hormonal status. Our team then customizes your plan and prescribes treatments, procedures, and supplements under the guidance of our local HRT experts.
At Juventee, we want to revitalize your health by promoting balance, energy, intimacy, and beauty. We start by assessing your baseline biomarkers and implementing a personalized plan to help you feel like your younger self. Our in-depth process covers many factors, almost like a web. Each component of that web works in conjunction with others to make up how you feel. If one area is out of sync, women can experience unwanted fluctuations in their weight, energy, emotions, libido, and more. Juventee is committed to evaluating our patient's overall health so that we may bring vitality and happiness to as many aspects of their lives as possible.
We've mentioned all the greatness that can come with an HRT regimen from Juventee, but what exactly are the benefits of HRT for women? Let's take a look.
We Work With
Unlike some HRT clinics, Juventee's HRT programs are carefully crafted and personalized for each patient. There are no cookie-cutter solutions at our office. Instead, we assess each individual's needs and customize treatments to help their bodies as they age. We replace hormones that are deficient and restore them to their physiological state using HRT pellets.
These hormone pellets are prescription hormones inserted under the skin through a simple in-office procedure. Each pellet is about as large as a big grain of rice. Once inserted, our HRT pellets get to work quickly. With this treatment, patients don't have to worry about applying greasy creams or swallowing pills. Instead, our pellets are metabolized by the body. That way, patients don't stress over taking too much or too little.
Remember, at Juventee, our goal isn't just to balance your hormones â it's to completely optimize your health and well-being. You won't ever have to worry about our doctors writing you a prescription and sending you on your way without any additional communication. Instead, we aim to be part of our patient's journey back to health and work with all of our HRT patients to do so.
Hormone imbalance causes a litany of issues. But with hormone replacement therapy, females can better process calcium, keep their cholesterol levels safe, and maintain a healthy vagina. By replenishing the body's estrogen levels, HRT may relieve symptoms of menopause and even optimize bone health.
But that's just the start. At Juventee, our patients report many benefits of taking HRT for women:
If you're ready to feel better and enjoy the vitality of your youth, Juventee is here to help you every step of the way. It all starts with an in-person evaluation, where our team will determine if HRT is right for you.
For many women, menopause is a difficult time filled with ups, downs, and hormonal hurdles to overcome. While menopausal issues are well-known by some, other women only know that menopause can affect their hormones. The reality is that going through menopause can mean more than moodiness and hot flashes.
At Juventee, we're big believers that a little knowledge can go a long way. With that in mind, if you're going through menopause or are approaching "that" age, consider these common issues. First, let's examine some alternative causes of menopause beyond age:
The most common reason for menopause is diminished, unbalanced hormones. However, menopause can also result from:
Now that we've examined some of the ways that menopause manifests, let's look at some common problems that females regularly endure:
If you're going through menopause and feel like life is a tiresome burden, you're not alone. Studies show that 15% of women go through depression to some degree during menopause. What many women don't learn is that depression may start much earlier, during perimenopause or even earlier.
Depression can be hard to diagnose, even without perimenopause and menopause as a factor. With that said, keep the following signs in mind. If you notice any, it might be time to speak with a physician:
If you notice any of the signs above, it's important that you understand that you're not weak or broken. You're going through a very normal emotional experience, which may be caused by hormone deficiency. However, with proper treatment from your doctor, depression doesn't have to rule your life.
You don't have to have hormonal imbalances to have mood swings. Indeed, everyone gets moody from time to time. For women going through menopause, however, mood swings can be extreme and happen often. Hormone imbalances and mood swings go together, resulting in unusual emotional changes and even issues like insomnia.
Estrogen production, a hormone that fluctuates during menopause, affects serotonin production, which regulates mood. When both hormones are deficient, mood swings can become quite prevalent.
Fortunately, HRT treatments in Northvale, NJ, work wonders for women because they work to regulate hormones like estrogen. With HRT from Juventee, women don't have to settle for the negative consequences that drastic mood swings can cause.
Hot flashes: whether you're a man or a woman, you've probably heard of them. Hot flashes are very common issues associated with menopause and manifest as intense, sudden feelings of heat across the upper body. Some last a few seconds while others last many minutes, making them uncomfortable and inconvenient at all times. A few common symptoms of hot flashes include:
Usually, a lack of estrogen causes hot flashes in menopausal women. Low levels of estrogen negatively affect a woman's hypothalamus, or the part of the brain that regulates appetite and body temperature. Low estrogen levels cause the hypothalamus to assume incorrectly that the body is too hot. When it does, it dilates a woman's blood vessels to boost blood flow.
Fortunately, most women don't have to settle for the intense, unwanted feelings they endure with hot flashes. HRT pellet treatment from Juventee helps to stabilize hormones which may lessen the effects that hot flashes cause.
Staying healthy and fit is a challenge for anybody living in modern America. For women with hormonal imbalances, however, it's even harder. Weight gain is a concerning issue during menopause, but it can be manageable with a physician-led diet, exercise, and HRT treatments from Juventee.
HRT patients at Juventee benefit from health plans that keep hormones in check, making weight loss a real possibility. But which hormones need to be regulated to help avoid weight gain?
Millions of adults around the U.S. suffer from low sex drive, but that doesn't make it any more embarrassing to talk about. For many women going through pre-menopause and menopause, it's an unfortunate side effect of unbalanced hormones. Thankfully, HRT may help women maintain a healthy libido, even after 50. But what causes lowered sexual desire in women as they age?
The hormones responsible for low libido in females are estrogen, progesterone, and testosterone.
Progesterone production decreases during perimenopause, resulting in lowered libido in some women. Lower progesterone production can also cause weight gain, exhaustion, and other symptoms common during menopause. Reduced estrogen levels during menopause may lead to vaginal dryness and even loss of muscle tension.
Testosterone is referred to as a male hormone, but it contributes to important health functionality in women as well. Female testosterone heightens sexual responses and intensifies orgasms. When the ovaries can't produce sufficient levels of testosterone, low sex drive can happen.
The inside of a woman's bones is broken down and rebuilt by bone cells in an ongoing process called remodeling. This process is crucial for maintaining bone strength and health.
However, due to the loss of estrogen during menopause, this important process becomes unbalanced. Less bone is formed, and more bone is broken down. This advanced state of bone loss can be worrying for women, especially if they had an early menopause. With time, women may develop osteoporosis and a greater chance of breaking bones as they age.
Fortunately, HRT for women can actually mimic estrogen and progesterone, which may help prevent bone loss and lower chances of osteoporosis in women. That's huge news for women around the U.S., many of whom are battling early bone loss due to a lack calcium, vitamin D, and other nutrients crucial to bone health.
If you are considering HRT treatments for women in Northvale, NJ, you need a team of hormone replacement experts by your side. At Juventee, our knowledgeable HRT doctors are ready to help. Our team will answer your initial questions, conduct necessary testing, and craft a customized program designed to alleviate the challenges you're facing as a woman going through menopause.
With a healthy diet, exercise, positive life choices, and hormone replacement therapy, unveiling the new "you" is easier than you might think. Contact our office today to get started on your journey to optimal health and well-being.
New Jersey officials have lifted a stop-work order for 27 Boston Market locations in the state after they were told to shut down last month over unpaid wages.The state Labor Department last month cited the fast-food chain for $2.5 million in unpaid wages, damages, fees and penalties, and ordered the stores to shut down.On Thursday, the ...
New Jersey officials have lifted a stop-work order for 27 Boston Market locations in the state after they were told to shut down last month over unpaid wages.
The state Labor Department last month cited the fast-food chain for $2.5 million in unpaid wages, damages, fees and penalties, and ordered the stores to shut down.
On Thursday, the state said it would allow the locations to reopen, after recouping more than $630,000 in back pay for 314 workers. Labor Department spokesperson Thomas Wright declined to say what had happened to the rest of the damages cited last month but added that the investigation was "ongoing."
“We’re glad this investigation resulted in every dollar making it into the pockets of those who earned the money," state Labor Commissioner Robert Asaro-Angelo said in a statement Thursday. “Hopefully this action puts other bad actors on notice: ‘if you don't pay your workers, we will shut you down.’"
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Boston Market CEO Jignesh "Jay" Pandya, wh purchased the chain in 2020, confirmed that the New Jersey stores had reopened, according to industry news site Restaurant Business.
Stop-work orders are initiated by the state Labor Department to “halt work being performed in a manner that exploits workers, or is otherwise noncompliant with state laws and regulations," Labor officials previously said.
Officials first received a complaint in November 2022 from a Boston Market worker in Hamilton Township, whom the Thursday press release did not identify. Since then, there have been nearly three dozen additional complaints, the state said.
According to Nation’s Restaurant News, Boston Market faces a slew of lawsuits from unpaid vendors and ex-employees. Many current and former executives the outlet interviewed have questioned the chain’s ability to survive since it was bought by Pandya's Rohan Group in 2020.
The New Jersey shutdown came after the chain closed locations in Central and South Jersey. Boston Market was earlier evicted from Howell and Toms River locations for failure to pay rent.
The company faces an $11 million suit by food distributor U.S Foods over unpaid bills, according to another industry news site, Restaurant Dive.
Between 2007 and 2013, Boston Market closed 630 of its 1,000 locations without opening a single store, according to the outlet.
The Labor Department statement said one of the Boston Market employees to raise concerns was Cathy Grimes, who managed 12 workers at a restaurant in East Hanover in Morris County. All went without paychecks, despite "dutifully" going to work every day, the department said.
Grimes praised the state's efforts: "We got all the wages — between us about $15,000. The owner really took notice when the Department of Labor got involved,” she said in the statement.
The locations where the stop-work orders were issued were as followed:
Daniel Munoz covers business, consumer affairs, labor and the economy for NorthJersey.com and The Record.
NEW JERSEY — As has become traditional on Veterans Day, several New Jersey restaurants are offering free deals and discounts to veterans and members of the military.Veterans Day is always Nov. 11, which falls on a Saturday this year. Some of the deals start before or extend beyond the actual holiday.Replacing the former Armistice Day, which commemorated the end of World War I, Veterans Day became an official holid...
NEW JERSEY — As has become traditional on Veterans Day, several New Jersey restaurants are offering free deals and discounts to veterans and members of the military.
Veterans Day is always Nov. 11, which falls on a Saturday this year. Some of the deals start before or extend beyond the actual holiday.
Replacing the former Armistice Day, which commemorated the end of World War I, Veterans Day became an official holiday in 1954 to thank and honor all of those who have served honorably in the military, whether in wartime or peacetime.
In most cases, the deals are extended beyond veterans to active members of the military and to their spouses and families in some cases. Most require some type of proof of military service, such as a military ID card or a Veterans Administration benefits card.
As curated from Military.com, a news and resource website for members of the military and veterans, deals in New Jersey include:
Anthony’s Coal Fired Pizza: Veterans and active-duty military get a free 12-inch pizza on Nov. 11 (dine-in only).
Applebee’s: Active-duty military, veterans, reserves and National Guard get a complimentary full-size entrée from a special menu and other perks on Nov. 11 (dine-in only).
Bar Louie: Active-duty military and veterans get a free Craft Burger on Nov. 11 (dine-in only).
BJ’s Restaurant and Brewhouse: Free Chocolate Chunk Pizookie with any $9.95 purchase and additional perks with a $14.95 purchase.
Bob Evans: Veterans and active-duty military get a free meal from a select menu on Nov. 11 (dine-in only).
Bonefish Grill: Active-duty service members and veterans get a complimentary order of Bang Bang Shrimp with a soft beverage on Nov. 11
Buffalo Wild Wings: Veterans and active-duty service members get a free order of 10 Boneless Wings and Fries on Nov. 11 with a valid ID. (Dine-in only, except at “go” locations, which will recognize the deals on walk-in orders placed at the counter).
Carrabba’s Italian Grill: Veterans and active-duty military get a complimentary dine-in appetizer or dessert paired with a soft drink on Nov. 11.
Charleys Cheesesteaks: Veterans and active-duty military get free Gourmet Fries in-store with no purchase necessary on Nov. 11 at participating locations.
Chili’s: Veterans and active-duty service members get a free meal from a select menu on Nov. 11 (dine-in only).
Dave & Buster’s: Veterans get a free entree (up to $20) and a free $10 Power Card on Nov. 11.
Denny’s: All active and retired military personnel get a free Original Grand Slam from 5 a.m. to noon Friday, Nov. 10 (dine-in only).
Dickey’s Barbecue Pit: Veterans and active-duty military get a free pulled pork sandwich on Nov. 11 (in-store or through the online app for carryout).
Dunkin’: Veterans and active-duty military get a free doughnut of their choice on Nov. 11 (in-store only).
Einstein Bros. Bagels: Veterans and active-duty military get a free hot or iced coffee (any size) with an in-store purchase on Nov. 11.
The Greene Turtle: Veterans receive a free meal up to $15 on Nov. 11 (dine-in only).
Hooters Restaurants: Active-duty military and veterans get a free entrée from a special menu with the purchase of a beverage on Nov. 11 (dine-in only).
Huddle House: Active-duty military members and veterans get a free MVP meal on Nov. 11.
IHOP: Veterans and active-duty military get free Red, White, & Blueberry Pancakes or Pancake Combo from 7 a.m.-7 p.m. on Nov. 11 (dine-in only).
Kings Family Restaurant: Veterans and active-duty military members get a free meal from a select menu on Nov. 13.
Logan’s Roadhouse: Veterans and active-duty military personnel get a free meal from 11 a.m.-3 p.m. on Nov. 11 (dine-in only).
Menichie’s Frozen Yogurt: Veterans and active-duty military get their first 6 ounces of Froyo free on Nov. 11.
Mission BBQ: Veterans get a free sandwich on Nov. 11.
O’Charley’s: Veterans and active-duty military can order one free entrée from the special menu and/or receive a free slice of pie at dinner from 11 a.m.-4 p.m. Nov. 10-11 (dine-in only).
Outback Steakhouse: Active-duty military and veterans get a free Bloomin’ Onion and beverage with the purchase of an adult entrée on Nov. 11 (dine-in only).
Pilot Flying J: Service members and their families get a free meal Nov. 10-12 through a special offer in the app.
Playa Bowls: Veterans get a free bowl on Nov. 11 (in-shop only).
Red Lobster: Veterans, active-duty military and reservists get free printed meal vouchers for Veterans Shrimp & Chips from 11 a.m.-4 p.m. on Nov. 11.The voucher can be redeemed Nov. 13-Dec. 10 (dine-in only).
Red Robin: Veterans and active-duty military get a complimentary Red's Big Tavern Burger with an endless side of steak fries on Nov. 11 (dine-in only).
Smoothie King: Active-duty military and veterans get a free smoothie from one of three red, white, and blue smoothies on Nov. 11.
Starbucks: Veterans, active-duty military personnel and their spouses get a free 12-ounce hot or or cold brewed coffee on Nov. 11.
TCBY: Veterans and active military personnel get their first 6 ounces of frozen yogurt for free on Nov. 11.
Uno Pizzeria & Grill: Veterans and active-duty military get a free meal on Nov. 11.
White Castle: Veterans and active-duty military get a free individual combo meal or a breakfast combo meal on Nov. 11 (dine-in only).
bb.q Chicken: Veterans and active-duty military get 25 percent off all orders placed in-store on Nov. 11.
Joe’s Crab Shack: Veterans get 20 percent off their meal from 11 a.m.-3 p.m. Nov. 11 (dine-in only).
Kona Grill: Veterans and active-duty military receive 50 percent off food from Nov. 10-13.
McCormick & Schmick's Seafood Restaurants: Veterans, National Guard, Gold Star Parents, and Gold Star Spouses can enjoy a select half-priced entrée on Nov. 12 (dine-in only).
Military.com has more specifics about each of the deals and is updating its site daily as more eateries confirm their 2023 Veterans Day plans.
Calling all athletes! For kids who want to play sports all.day.long, hone their skills for the fall season, or just get out some energy during the day, we rounded up the best in class sports summer camps in Bergen County, NJ for the athletes in your home.Northern Valley Sports Academy Based in their 17,500 sq. ft. fully climate-controlled facility, your sports-loving kid will love the All-Sports Camp which will teach them skills and sp...
Calling all athletes! For kids who want to play sports all.day.long, hone their skills for the fall season, or just get out some energy during the day, we rounded up the best in class sports summer camps in Bergen County, NJ for the athletes in your home.
Northern Valley Sports Academy Based in their 17,500 sq. ft. fully climate-controlled facility, your sports-loving kid will love the All-Sports Camp which will teach them skills and sportsmanship in a fun, positive social setting. Kids at all skill levels will enjoy a new and different experience each day, keeping them engaged through activities, games and team building such as relay races, obstacle courses, color war, dodgeball, gaga and more. Plus campers will have fun participating in traditional sports like soccer, baseball, basketball and lacrosse with the opportunity to choose a sport to focus on for further instruction from a counselor that specializes in that sport. (100 Oakland Ave., Closter, NJ, 201-750-3275, ages 5–13; camp runs from June 24-August 30).
Neil Klatskin Summer Camps at the Kaplen JCC on the Palisades In addition to traditional day camp offerings, Neil Klatskin Camps at the Kaplen JCC on the Palisades include sports-centered options where kids can develop their skills at a specific game or get a taste of a variety of them. Choose from a two-week intensive Basketball Camp for grades 3 to 8, Tennis Camp for the same ages, or participate in a variety of sports like soccer, floor hockey, lacrosse, football, general fitness, and more at the Sports Camp Plus for grades 3 to 8 and Jr Sports Camp Plus for grades 1 to 2. Kids will stay active while having fun, meeting other campers, and gain confidence. (411 East Clinton Ave,. Tenafly)
World Class Soccer Camp It's soccer mania all summer long at this specialized soccer training program with weeks offered at the best local fields all over Bergen County NJ and just outside. Expect top trainers and elite players and a day chock full of skills and drills and competitive play to have them ready for fall's soccer season. (Camp runs from June – late August, various locations throughout Bergen County)
Elite Gymnastics With half-day instructional camps, one hour specialty camps and 30-minute swim lessons, Elite has a program for every little camper ages 6 months and up. Kids will enjoy gymnastics and cheer camps, the NinjaZone, Tumbletrak, Air Track and Foam Pit and parents will enjoy mornings knowing their kids are in good hands. (80 5th Avenue, Hawthorne; 973-423-4040; please see website for dates)
Bergen County Equestrian Summer Camp Experienced riders and novices will gain experience with horseback riding plus old-fashioned summer fun. Campers will learn horse and pony safety, barn behavior, equine knowledge and horsemanship skills, and receive a one-hour riding lessons based on skill level. Other outdoor activities include games, scavenger hunts, sprinkler play, face painting, and pizza Fridays. Campers will leave with a true appreciation of nature and love of these beautiful animals. (40 Fort Lee Rd., Leonia, 201-336-3370, [email protected], camp 2024 dates TBD)
Sports Camps at the Superdome The massive Waldwick and Fair Lawn activities mecca offers an all sports day camp for kids who love playing a variety of sports such as football, soccer, lacrosse, dodgeball, kickball, wiffleball and so much more. Arts and Crafts and other non-sport activities are also available throughout the day. For kids who want to focus on improving their specific sports skills, campers can partake in their soccer camp, flag football camp, lacrosse camp, baseball/softball camp, dance camp, and field hockey camp. where they will have to opportunity to learn top coaches, refine their skills under the dome and on outdoor fields. (134 Hopper Ave, Waldwick, 201-444-7660, 21-05 Marlot Ave., Fair Lawn, all sports and soccer camp runs late June 19-September 1, weekly sessions)
STACK Make your kids' summer hoop dreams come true at STACK Basketball Camp for ages 6-14. Their 15,000 square foot facility specializes in AAU basketball teams, where players get individual skill work such as ball handling drills, defensive drills and shooting drills. Sports performance training is also incorporated into the daily schedule to boost speed, ability and strength. Kids are grouped by age and play in friendly and competitive games throughout the day. (101 Corporate Dr., Mahwah, 201-684-9190, [email protected], camp runs in weekly sessions from June 24-August 30)
High Exposure Summer Camp If you have a high-energy child at home with a love of climbing, outdoor adventures, and more, check out High Exposure's camp offerings. Every day is packed with activities like rock climbing, ninja warrior courses, races, fun in their Nerf room, archery, crafts, and time spent around the bonfire. Kids ages 5 to 13 are welcome, and the climbing spot offers flexible half- and full-day options. (266 Union St., Northvale, 201-768-8600, [email protected], camp runs from June 24-August 30)
What are the deadlines I need to know? Can I still register to vote?The voter registration deadline for the November general election has passed. Here’s where you can find out whether you are already a registered voter.Who can register to vote?Anyone who has been a U.S. citizen for at least 30 days before the election, is a resident of New Jersey, and is going to be at least 18 on or before Election D...
The voter registration deadline for the November general election has passed. Here’s where you can find out whether you are already a registered voter.
Anyone who has been a U.S. citizen for at least 30 days before the election, is a resident of New Jersey, and is going to be at least 18 on or before Election Day.
In 2019, the state restored the right to vote to people who are on probation and parole.
Yes, you can.. The in-person application for mail in ballot must be received by 3 p.m. on Monday, Nov. 6
Qualified overseas civilian and military voters must apply to receive mail ballots electronically by Friday, Nov. 3.
New Jerseyeans who are registered to vote may do so in person at their county board of elections offices. Early voting for the primary election will open Saturday, Oct. 28, and continue through Sunday, Nov. 5.
Every county will provide registered voters with in-person early voting locations. Here’s a list of early voting locations. Early voting will be open from 10 am. to 8 p.m. Monday through Saturday, and 10 a.m. to 6 p.m. on Sunday.
Voters have until 8 p.m. on Election Day to return their mail ballots to their county board of elections office in person. They can also drop off their ballots in one of their county’s secure ballot drop box locations.
Mail ballots must be postmarked by Election Day, and received by the county boards of elections on or before Monday, Nov. 13.
Vote-by-mail ballots cannot be returned to a voter’s polling location.
Voters can check the status of their mail ballots online.
New Jerseyans who want to vote in person on Election Day can do so at their polling stations, which will be open from 6 a.m. until 8 p.m. Voters can find their polling places online.
New Jersey voters can find their polling places online.
If you have received your mail ballot but have not voted, you may only vote with a paper provisional ballot at your polling place.
Voters who don’t receive their requested mail ballott, or don’t have it to surrender, may vote by provisional ballot at their polling place. The provisional ballots will be reviewed by the county board of elections post-Election Day to determine whether they will be counted.
In the Garden State, candidates are vying for state Senate and General Assembly seats. Here’s a full list of state Senate candidates and candidates running for General Assembly.
County commissioners are up for election as well. In Mercer County, voters will be electing the county executive.
To learn more about municipal elections, consult with your county election office.
Now is a great time to put your money in a certificate of deposit (CD). Interest rates have been going up over the past two years, and CDs currently offer some of the highest rates available—much higher than you’ll get with a traditional savings account.Not sure how to find the best CDs near you? Don’t worry, we did the heavy lifting for you. In partnership with Curinos, a leading provider of banking...
Now is a great time to put your money in a certificate of deposit (CD). Interest rates have been going up over the past two years, and CDs currently offer some of the highest rates available—much higher than you’ll get with a traditional savings account.
Not sure how to find the best CDs near you? Don’t worry, we did the heavy lifting for you. In partnership with Curinos, a leading provider of banking data and analytics, we analyzed more than 20,000 data points to find the best CD rates in New Jersey and the U.S.
Keep in mind that our assessment of each institution isn’t exhaustive and our rankings focus solely on the APY.
New Jersey has some of the best CD rates available today, but you don’t have to stop your search here. We curated some of the top CD accounts available nationwide from our partners.
We worked with Curinos to identify the best CD rates in New Jersey by term, including 6-month, 1-year, and 5-year CDs.
If there are special requirements that must be met in order to open an account, they’ll be indicated in the “Notes” column (keep in mind this field may be blank). We recommend contacting the financial institution directly to confirm account details and requirements before opening a CD.
A 6-month CD is Ideal for savers who don’t want to lock up their funds for long. Earn a great rate on your deposit and have your funds back within a few months to use as you please.
By keeping your money on deposit a bit longer, you may be able to earn an even higher rate. A 1-year CD offers a great balance between higher earning opportunities without locking in your funds for too long.
If you prefer a set-it-and-forget-it approach to your savings, consider a 5-year CD. With a longer term, you can rest assured that your rate is guaranteed for next few years and your savings won’t be impacted by market fluctuations.
A certificate of deposit is a type of time deposit account offered by banks and credit unions. CDs often provide a higher interest rate in exchange for keeping your money on deposit for a predetermined period of time, known as the term. CD term lengths can range from a few weeks or months to several years.
The key feature of a CD is the fixed term, during which your interest rate is guaranteed and you agree not to withdraw your funds. If you do need to access the money before the CD matures, you'll likely face a penalty. Upon the CD's maturity, you have the option to withdraw your initial deposit, plus the accrued interest, or you can choose to renew or roll over the CD into a new term. CDs are considered a safe investment option, especially since they're typically insured by the government up to certain limits.
APY stands for Annual Percentage Yield. It represents the amount of interest you will earn on your deposit over a year, taking into account the effect of compounding interest. The higher the APY, the more interest you stand to earn.
CDs come in various types, each catering to different investment strategies and financial needs. Here are some of the most common types:
There are over 50 FDIC-regulated banks in New Jersey and 150 NCUA-regulated credit unions. Here’s how to choose the right one for your needs:
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EDITORIAL DISCLOSURE: The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.