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Lower your monthly costs and get rewarded—that’s a win all around! Enjoy NO payments for up to 90 days!1 Choose from loan terms ranging from 36 to 84 months with competitive low rates
From building your emergency savings fund to planning your dream retirement, we’ve got your back.
Unlock all the perks JHCU has to offer and gain momentum on your savings!
Help your savings grow with the most reliable tools around!
Save smart for school—and the months in between.
Share Savings
Money Market
Custom Share Savings
Holiday Club
Custodial Savings
*APY=Annual Percentage Yield. The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of April 1st, 2026. Fees could reduce the earnings on the accounts. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings.
**Money Market Balances that fall below $2,500 will earn a dividend equal to the current Share Draft Checking rate.
Share Certificates
Jumbo Certificates
IRA Share Savings
IRA Certificates
Rollover Share Certificate**
*APY = Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of May 1st, 2026. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings.
**Available for IRA proceeds transferred from another IRA custodian only (NOTE: Inherited IRAs are ineligible for deposit to the IRA Rollover Certificate.)
Education Savings (3 years)
Education Savings (5 years)
Educator Savings
Graduate Student Summer Savings
*APY=Annual Percentage Yield. The above accounts are variable rate accounts and rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of April 1st, 2026. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings.
Credit unions are member-owned. Unlike banks, where profits go to outside shareholders, credit unions are owned by the people who use them. When you deposit just $1 with us, you become a part-owner of the organization. Your account works just like a traditional bank account, but with one key difference: the benefits come back to you in the form of better rates, lower fees, and a stronger community connection.
Please have the following documents handy:
*Recent is defined as within the past 30 days
If you wish to apply for a loan, we may require proof of income, but let’s get your new JHCU account opened first.
No, you may visit any of our branch locations or send an email to answers@jhcu.org
JHCU membership is open to employees, students, alumni and retirees (and their families) of most Johns Hopkins institutions and other affiliated groups. Check our full list of membership eligibility if you have any questions.
Getting in touch with us is easy. Just fill out our short contact form and a representative will contact you as soon as possible.
*APY = Annual Percentage Yield.
1Early withdrawals during the initial term incur a penalty. Once the term ends, you may make one penalty-free withdrawal per quarter.
2Must be a member with a $1 minimum balance in a Share Savings account. If criteria are met, the annual bonus of up to $50 will be deposited to your Share Savings account on June 1st. Must be an active 10/11/12 month Special Education employee of Kennedy Krieger Institute as of June 1st.
3Money Market Balances that fall below $2,500 will earn a dividend equal to the current Share Draft Checking rate.
A share savings account with a minimum deposit of $1 is required for membership at Johns Hopkins Credit Union. The $1 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 $1 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.”
