Rates
Share Rates
| Share Savings | Min. Balance to Obtain APY | APY* | Dividend | |||
| Share Savings | $25 | 0.10% | 0.10% | |||
| Share Savings | $5,000 | 0.10% | 0.10% | |||
| Share Savings | $10,000 | 0.10% | 0.10% | |||
| Share Savings | $25,000 | 0.10% | 0.10% | |||
| *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 July 1, 2023. 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. | ||||||
| Custom Share Savings | Min. Balance to Obtain APY | APY* | Dividend | |||
| Custom Share Savings | $0 | 0.10% | 0.10% | |||
| Custom Share Savings | $5,000 | 0.10% | 0.10% | |||
| Custom Share Savings | $10,000 | 0.10% | 0.10% | |||
| Custom Share Savings | $25,000 | 0.10% | 0.10% | |||
| *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 July 1, 2023. 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. |
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| Grad Student Summer Savings | Min. Balance to Obtain APY | APY* | Dividend | |||
| Grad Student Summer Savings | $0.00 | 0.10% | 0.10% | |||
| Grad Student Summer Savings | $5,000 | 0.10% | 0.10% | |||
| Grad Student Summer Savings | $10,000 | 0.10% | 0.10% | |||
| Grad Student Summer Savings | $25,000 | 0.10% | 0.10% | |||
| *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 July 1, 2023. 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. | ||||||
| Holiday Club | Min. Balance to Obtain APY | APY* | Dividend | |||
| Holiday Club | $0 | 0.10% | 0.10% | |||
| *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 July 1, 2023 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. | ||||||
| Education Savings | Min. Balance to Obtain APY | APY* | Dividend | |||
| Education Sav. - 3 yr. | $100 | 0.10% | 0.10% | |||
| Education Sav. - 5 yr | $100 | 0.15% | 0.15% | |||
| *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 July 1, 2023. 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. | ||||||
| IRA: Share Savings | Min. Balance to Obtain APY | APY* | Dividend | |||
| IRA - Open Share Savings | $500 | 0.10% | 0.10% | |||
| IRA - Open Share Savings | $50,000 | 0.15% | 0.15% | |||
| *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 September 1, 2023. 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. | ||||||
| Share Draft Checking | Min. Balance to Obtain APY | APY* | Dividend | ||||
| Share Draft Checking | $0 | 0.05% | 0.05% | ||||
| *APY=Annual Percentage Yield. The above account is a variable rate account and rates are subject to change. The Annual Percentage Yield (APY) is accurate as of September 1, 2023. 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. | |||||||
| Student Checking | Min. Balance to Obtain APY | APY* | Dividend | ||||
| Student Checking | $0 | 0.00% | 0.00% | ||||
| *APY=Annual Percentage Yield. | |||||||
| Money Market | Min. Balance to Obtain APY | APY* | Dividend | |||
| Money Market** | $2,500 | 0.75% | 0.75% | |||
| $10,000 | 1.03% | 1.02% | ||||
| $25,000 | 1.07% | 1.06% | ||||
| $50,000 | 1.21% | 1.20% | ||||
| $100,000 | 1.21% | 1.20% | ||||
| Money Market** | $250,000 | 1.47% | 1.46% | |||
| *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 September 1, 2023. 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. |
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| Jumbo Certificates | Min. Balance to Obtain APY | APY* | Dividend | |||
| Jumbo Share Certificate - 6 Months | $50,000 | 5.09% | 5.00% | |||
| Jumbo Share Certificate - 12 Months | $50,000 | 5.09% | 5.00% | |||
| Jumbo Share Certificate - 24 Months | $50,000 | 4.30% | 4.23% | |||
| Jumbo Share Certificate - 36 Months | $50,000 | 3.74% | 3.69% | |||
| Jumbo Share Certificate - 48 Months | $50,000 | 3.68% | 3.63% | |||
| Jumbo Share Certificate - 60 Months | $50,000 | 3.75% | 3.70% | |||
| *APY=Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of September 1, 2023. 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. | ||||||
| IRA Share Certificate | Min. Balance to Obtain APY | APY* | Dividend | |||
| IRA Share Certificate - 6 Months | $500 | 5.13% | 5.00% | |||
| IRA Share Certificate - 12 Months | $500 | 5.13% | 5.00% | |||
| IRA Share Certificate - 24 Months | $500 | 4.29% | 4.20% | |||
| IRA Share Certificate - 36 Months | $500 | 3.67% | 3.60% | |||
| IRA Share Certificate - 48 Months | $500 | 3.68% | 3.61% | |||
| IRA Share Certificate - 60 Months | $500 | 3.77% | 3.70% | |||
| IRA Rollover Share Certificate - 18 Months** | $5000 | 3.67% | 3.60% | |||
| *APY=Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of September 1, 2023. 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.) |
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