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Share & IRA Certificates

Regular Share
Jumbo Share
IRAs
Account
Term
Min. Balance
Dividend
APY*

Share Certificates

Term
6 months
Min. Balance
$500
Dividend
3.45
%
APY*
3.50
%
Term
12 months
Min. Balance
$500
Dividend
3.65
%
APY*
3.70
%
Term
24 months
Min. Balance
$500
Dividend
3.39
%
APY*
3.43
%
Term
36 months
Min. Balance
$500
Dividend
3.41
%
APY*
3.45
%
Term
48 months
Min. Balance
$500
Dividend
3.06
%
APY*
3.10
%
Term
60 months
Min. Balance
$500
Dividend
3.36
%
APY*
3.40
%
Account
Term
Min. Balance
Dividend
APY*

Jumbo Certificates

Term
6 months
Min. Balance
$50,000
Dividend
3.53
%
APY
3.58
%
Term
12 months
Min. Balance
$50,000
Dividend
3.70
%
APY
3.75
%
Term
24 months
Min. Balance
$50,000
Dividend
3.46
%
APY
3.51
%
Term
36 months
Min. Balance
$50,000
Dividend
3.46
%
APY
3.51
%
Term
48 months
Min. Balance
$50,000
Dividend
3.28
%
APY
3.32
%
Term
60 months
Min. Balance
$50,000
Dividend
3.45
%
APY
3.50
%
Account
Term
Min. Balance
Dividend
APY*

IRA Share Savings

Term
Min. Balance
$500
Dividend
0.10
%
APY*
0.10
%
Term
Min. Balance
$50,000
Dividend
0.15
%
APY*
0.15
%

IRA Certificates

Term
6 months
Min. Balance
$500
Dividend
3.45
%
APY*
3.51
%
Term
12 months
Min. Balance
$500
Dividend
3.65
%
APY*
3.72
%
Term
24 months
Min. Balance
$500
Dividend
3.39
%
APY*
3.45
%
Term
36 months
Min. Balance
$500
Dividend
3.41
%
APY*
3.47
%
Term
48 months
Min. Balance
$500
Dividend
3.06
%
APY*
3.11
%
Term
60 months
Min. Balance
$500
Dividend
3.36
%
APY*
3.42
%

Rollover Share Certificate**

Term
18 months
Min. Balance
$5,000
Dividend
3.41
%
APY*
3.47
%

*APY = Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of June 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.)

Checking

Account
Min. Balance
Dividend
APY*

Rewards Checking

Min. Balance
$0
Dividend
0.05
%
APY*
0.05
%

Young Adult Checking

Min. Balance
$0
Dividend
0.05
%
APY*
0.05
%

Teen Checking

Min. Balance
$0
Dividend
0.05
%
APY*
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 June 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.

Personal Savings

Account
Min. Balance
Dividend
APY*

Money Market

Min. Balance
$2,500
Dividend
0.70
%
APY*
0.70
%
Min. Balance
$10,000
Dividend
0.79
%
APY*
0.79
%
Min. Balance
$25,000
Dividend
0.86
%
APY*
0.86
%
Min. Balance
$50,000
Dividend
1.04
%
APY*
1.05
%
Min. Balance
$100,000
Dividend
1.22
%
APY*
1.23
%
Min. Balance
$250,000
Dividend
1.22
%
APY*
1.23
%

Share Savings

Min. Balance
$1
Dividend
0.10
%
APY*
0.10
%
Min. Balance
$5,000
Dividend
0.10
%
APY*
0.10
%
Min. Balance
$10,000
Dividend
0.10
%
APY*
0.10
%
Min. Balance
$25,000
Dividend
0.10
%
APY*
0.10
%

Custom Share Savings

Min. Balance
$0
Dividend
0.10
%
APY*
0.10
%
Min. Balance
$5,000
Dividend
0.10
%
APY*
0.10
%
Min. Balance
$10,000
Dividend
0.10
%
APY*
0.10
%
Min. Balance
$25,000
Dividend
0.10
%
APY*
0.10
%

Holiday Club

Min. Balance
$0
Dividend
0.10
%
APY*
0.10
%

Custodial Savings

Min. Balance
$0
Dividend
0.05
%
APY*
0.05
%

*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 June 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.

Education Savings

Account
Min. Balance
Dividend
APY*

Education Savings (3 years)

Min. Balance
$100
Dividend
0.10
%
APY*
0.10
%

Education Savings (5 years)

Min. Balance
$100
Dividend
0.15
%
APY*
0.15
%

Educator Savings

Min. Balance
$0
Dividend
0.10
%
APY*
0.10
%

Graduate Student Summer Savings

Min. Balance
$0
Dividend
0.10
%
APY*
0.10
%
Min. Balance
$5,000
Dividend
0.10
%
APY*
0.10
%
Min. Balance
$10,000
Dividend
0.10
%
APY*
0.10
%
Min. Balance
$25,000
Dividend
0.10
%
APY*
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 June 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.

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Open an Account
Routing Number:
252076235
NMLS#:
509565
Local Phone:
410.534.4500
Toll-Free Phone:
800.543.2870

Johns Hopkins Credit Union (JHCU) is a federally chartered credit union completely independent from Johns Hopkins University, Johns Hopkins Health Systems, and any of the Johns Hopkins schools, hospitals, or programs. JHCU holds a license to use the “Johns Hopkins” registered mark. JHCU serves the employees, students, retirees and Alumni Association members of the Johns Hopkins University, employees and retirees of the Johns Hopkins Health System and its hospitals, and employees and retirees of other select entities. JHCU is wholly owned by its members. Neither Johns Hopkins University nor Johns Hopkins Health Systems select, endorse, or are responsible for the goods and services offered by JHCU.

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