Rates
Share Rates
| SHARE SAVINGS | ||||
| Min. Balance to Obtain APY | APY* | Dividend | ||
| $25 | 0.10% | 0.10% | ||
| $5,000 | 0.10% | 0.10% | ||
| $10,000 | 0.10% | 0.10% | ||
| $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 April 1st, 2025. 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 | ||
| $0 | 0.10% | 0.10% | ||
| $5,000 | 0.10% | 0.10% | ||
| $10,000 | 0.10% | 0.10% | ||
| $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 April 1st, 2025. 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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| GRADUATE STUDENT SUMMER SAVINGS | ||||
| Min. Balance to Obtain APY | APY* | Dividend | ||
| $0 | 0.10% | 0.10% | ||
| $5,000 | 0.10% | 0.10% | ||
| $10,000 | 0.10% | 0.10% | ||
| $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 April 1st, 2025. 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 | ||
| $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 April 1st, 2025. 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 | ||||||
| Term | Min. Balance to Obtain APY | APY* | Dividend | |||
| 3 year | $100 | 0.10% | 0.10% | |||
| 5 year | $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 April 1st, 2025. 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 | |||
| $500 | 0.10% | 0.10% | |||
| $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 April 1st, 2025. 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 | ||||
| $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 April 1st, 2025. 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** | |||||
| Min. Balance to Obtain APY | APY* | Dividend | |||
| $2,500 | 0.97% | 0.97% | |||
| $10,000 | 1.28% | 1.27% | |||
| $25,000 | 1.30% | 1.29% | |||
| $50,000 | 1.54% | 1.53% | |||
| $100,000 | 1.54% | 1.53% | |||
| $250,000 | 1.54% | 1.53% | |||
| *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, 2025. 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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| IRA SHARE CERTIFICATES | ||||||
| Term | Min. Balance to Obtain APY | APY* | Dividend | |||
| 6 months | $500 | 3.91% | 3.84% | |||
| 12 months | $500 | 4.06% | 3.98% | |||
| 24 months | $500 | 3.72% | 3.65% | |||
| 36 months | $500 | 3.70% | 3.63% | |||
| 48 months | $500 | 3.55% | 3.49% | |||
| 60 months | $500 | 3.66% | 3.59% | |||
| Rollover Share Certificate - 18 Months** | $5000 | 3.70% | 3.63% | |||
| *APY=Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of April 1st, 2025. 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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