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Earn 7.50% APY on your dollars in New Jersey

Start earning in New Jersey See all pools
Up to 10.75% income tax Withdraw anytime Min. deposit $10

$10,000 saved for one year in New Jersey

US national average bank savings rate
+$40
0.45% APY · after 10.75% state tax
Coinstancy
Dollar Savings (USDC)
+$669
7.50% APY · after 10.75% state tax

Illustrative example over one year at the current fixed APY (reinvested interest is already included in the APY), assuming both rates stay unchanged. Rates can change. State-level tax shown; federal taxes apply in all states. Not tax advice.

Savings pools available in New Jersey

USDC
Dollar Savings
USDC
7.50%
APY · USDC

Earn a fixed APY on USDC through on-chain strategies selected and monitored by Coinstancy.
ETH
Ethereum Savings
ETH
3.80%
APY · ETH

Generate yield on your ETH exposure through audited liquid staking and lending strategies.
BTC
Bitcoin Savings
BTC
0.90%
APY · BTC

Put your BTC exposure to work with lending-based yield strategies, while keeping your Bitcoin exposure.
SOL
Solana Savings
SOL
4.70%
APY · SOL

Earn yield on SOL through Solana-native liquid staking and selected DeFi protocols.

Why New Jersey savers choose Coinstancy

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Up to 10.75% income tax

New Jersey has a high top income tax rate (10.75%).

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Licensed on-ramp in New Jersey

USD deposits and withdrawals are processed by Coinme, licensed under the New Jersey Department of Banking and Insurance. Coinme handles the on-ramp and off-ramp only; Savings and its yield are managed by Coinstancy.

NJ

Built for the Garden State

Just across the river from Wall Street, New Jersey has one of the highest concentrations of finance professionals in the US.

Serving all of New Jersey

NewarkJersey CityPatersonElizabethHoboken

New Jersey FAQ

Is Coinstancy available in New Jersey?
Yes. New Jersey residents can open a Coinstancy account today. Deposits in US dollars are handled by our on-ramp partner Coinme, which is licensed in 48 US states including New Jersey.
How much can I earn on my savings in New Jersey?
Our Dollar Savings pool currently pays 7.50% APY on USDC, versus a national average of about 0.45% for traditional savings accounts. The APY shown is the fixed rate currently in force. It may be revised as market conditions evolve; a new rate applies to existing balances as well as new deposits.
How is yield taxed in New Jersey?
New Jersey has a high top income tax rate (10.75%). Yield is generally treated as ordinary income at the federal level. Consult a tax professional for your situation.
Who regulates crypto and money transmission in New Jersey?
Money transmission in New Jersey is overseen by the New Jersey Department of Banking and Insurance (DOBI). Our on-ramp partner Coinme holds the required state licenses for USD deposits and withdrawals; it does not manage Savings or its yield. Your USDC first enters a secure multisignature wallet operated by Coinstancy before being deployed into the selected on-chain strategies.
Can I withdraw to my New Jersey bank account?
Yes. You can withdraw USD to any US bank account, or cash out at thousands of Coinme locations across New Jersey, including in Newark, Jersey City, Paterson. You can request a withdrawal at any time. Complete requests are normally settled within 48 calendar hours; final network confirmation may take longer.
What is the minimum deposit?
You can start with as little as $10. There are no lock-ups and no withdrawal penalties.

Coinstancy near New Jersey

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