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Share Accounts

Share (Savings) Accounts:

A share account is a basic savings account that establishes your membership in the credit union. This account can be opened with as little as $5.00*. As a credit union member, you are also an owner, so your account receives dividends on a quarterly basis. In addition, we offer the convenience of payroll deduction or direct deposit so the savings is automatic. 

 

SHARE DIVIDEND RATES (dividend declared 9/30/2017)

AVG DAILY BALANCE 

APY*

< $100

0.00%

$100 - $2499.99

0.30%

$2500 - $9999.99

0.45%

$10,000 - $24,999.99

0.60%

$25,000 +

0.75%

* Minimum opening deposit of $100 required if no payroll deduction/direct deposit set up. Balances less than $100 do not earn dividends. Accounts are insured by the National Credit Union Administration (NCUA) to at least $250,000. Withdrawals or fees may reduce yield. Rates subject to change.

Club Accounts:
Holiday/Vacation Club accounts are an easy way to save money for that specific event you have coming up. Put aside a little bit each pay period and earn the same great rates as Share Savings.

Checking (Share Draft) Accounts:
A traditional checking account with no minimum balance requirement, no fees for regular use, and it pays a great dividend. Access your funds using our Debit Mastercard and free online BillPay.

 Checking Account Rates

 Avg Daily Bal

APY

 < $5000

0.00%

$5000-$9999.99

0.10%

$10,000-$19,999.99

0.20%

$20,000+

0.30%


Need to order checks? Click the box below.

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CardValet
For members who want to control their debit card accounts through their smart phones.
  • Monitor and control debit card transactions
  • Manage and review debit card usage
  • Set spending limits
  • Card on/off setting
  • Location-based controls

Download CardValet from the App Store or Google Play.

 

 

Share Certificates:
Share certificates are a great way to get the most from your savings. Simply lock in a minimum of $500 for the term that is most convenient for you, and in return, you receive dividends that are higher than your normal share account. Share certificates are also insured by the NCUA up to $250,000. 

SHARE CERTIFICATE RATES* (As of 11/1/2016)


Certificate Term

Regular
$500-$49,999.99

Jumbo
$50,000+

 

Interest
Rate*

Annual
Percentage
Yield (APY)**

Interest
Rate*

Annual
Percentage
Yield (APY)**

3 month

.31

.31

.34

.34

6 month

.45

.45

.46

.46

9 month

.56

.56

.58

.58

12 month

.70

.70

.75

.75

18 month

.73

.73

.78

.78

2 year

1.04

1.05

1.09

1.10

3 year

1.26

1.27

1.31

1.32

4 year

1.43

1.44

1.48

1.49

5 year

1.83

1.85

1.86

1.88

* Rates are subject to change.
** Annual Percentage Yield (APY) assumes all dividends are reinvested for the term of certificate. Early withdrawal fees may reduce yields.
*** Penalty will be imposed for early withdrawal. Fees could reduce earning on the account. $500 minimum opening deposit up to a maximum of $249,999. Offer good for the initial term only. Upon maturity, funds will be deposited into share savings account unless otherwise specified. Advertised rate and APY are offered at the credit union's discretion and may change at any time. To qualify as a “New Deposit” funds must not have been in a JCFCU account at any time during the prior 30 days from the date of certificate deposit. NCUA insured to the maximum allowed by law.

 

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