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 January 1st, 2024. 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 January 1st, 2024. 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.

 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 January 1st, 2024. 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 January 1st, 2024. 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 January 1st, 2024. 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 February 1st, 2024. 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 February 1st, 2024. 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
$0 0.00% 0.00%
*APY=Annual Percentage Yield.  


 MONEY MARKET**
Min. Balance to Obtain APY APY* Dividend
$2,500 0.93% 0.93%
$10,000 1.21% 1.20%
$25,000 1.30% 1.29%
$50,000 1.46% 1.45%
$100,000 1.59% 1.58%
$250,000 1.63% 1.62%
*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 February 1st, 2024. 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
Term Min. Balance to Obtain APY APY* Dividend
6 months $500 5.09% 5.00%
12 months $500 5.09% 5.00%
24 months $500 4.14% 4.08%
36 months $500 3.64% 3.59%
48 months $500 3.80% 3.75%
60 months $500 3.89% 3.83%
*APY=Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of February 1st, 2024. 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.

 JUMBO CERTIFICATES
Term Min. Balance to Obtain APY APY* Dividend
6 months $50,000 5.09% 5.00%
12 months $50,000 5.09% 5.00%
24 months $50,000 4.16% 4.10%
36 months $50,000 3.70% 3.65%
48 months $50,000 3.83% 3.78%
60 months $50,000 3.94% 3.88%
*APY=Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of February 1st, 2024. 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 CERTIFICATES
Term Min. Balance to Obtain APY APY* Dividend
6 months $500 5.13% 5.00% 
12 months $500 5.13% 5.00%
24 months $500 4.16% 4.08%
36 months $500 3.65% 3.59%
48 months $500 3.82% 3.75%
60 months $500 3.90% 3.83%
Rollover Share Certificate - 18 Months** $5000 3.65% 3.59%
*APY=Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of February 1st, 2024.  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.)