Membership at Johns Hopkins Federal Credit Union begins with a $25 deposit into a Share Savings account. The $25 is not a fee, it gives you a “share” of ownership in the credit union and will be returned to you if you ever decide to close your account. The $25 initial deposit will remain in your savings account unavailable for you to use; if you look at your statement, or in Online or Mobile Banking, you will always see it reflected in your “Account Balance”, just not in your “Available Balance”.

Once you open a Share Savings account, you are eligible to open or apply for our other great products and services we have to offer. You can also sponsor your immediate family members in for membership once your account is established. And if you move or change employers you do not have to close your account - Once a member, always a member!

If you decide to open just a savings account with JHFCU, you are eligible for a free ATM card, giving you access to over 50,000 surcharge free ATMs. You can also make up to three withdrawals per month from savings accounts in our branches; excess withdrawals are subject to a fee. (Note that you can make unlimited in-branch withdrawals from our Share Draft Checking account at no charge).

JHFCU pays dividends on all balances, with higher dividends paid on balances over $5,000, $10,000, and $25,000. Dividends are compounded daily and paid quarterly from date of deposit to date of withdrawal. Share accounts are federally insured by the National Credit Union Administration (NCUA), up to $250,000.