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Deposit Rates

Deposit Rates

CDs

CD Specials - No Checking Required
TermAPY*
11 months 1.70%
20 months 2.20%
*Annual Percentage Yield (APY) effective as of October 4, 2018 and subject to change before account opening. Minimum deposit to open is $1,000. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. Available for a limited time only; offer may be withdrawn at any time. New money only; funds not currently on deposit with Jewett City Savings Bank. Available to businesses and organizations.
CD Specials with Free or Classic Checking
TermAPY*
11 months 1.85%
20 months 2.40%
*Annual Percentage Yield (APY) effective as of October 4, 2018 and subject to change before account opening. Minimum deposit to open is $1,000. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. Available for a limited time only; offer may be withdrawn at any time. New money only; funds not currently on deposit with JCSB. JCSB Free or Classic Checking required.
CD Specials with Direct Checking or High Interest Checking with Direct Deposit
TermAPY*
11 months 2.10%
20 months 2.65%
*Annual Percentage Yield (APY) effective as of October 4, 2018 and subject to change before account opening. Minimum deposit to open is $1,000. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. Available for a limited time only; offer may be withdrawn at any time. New money only; funds not currently on deposit with JCSB. JCSB Direct Checking or High Interest Checking with direct deposit required.
Certificates of Deposit (CDs)
TermAPY*
91 Days0.30%
6 Months 0.60%
1 Year1.00%
1 1/2 Years 1.10%
2 Years1.20%
2 1/2 Years 1.25%
3 Years1.60%
4 Years 1.70%
5 Years2.25%
*Annual Percentage Yield (APY) effective as of October 4, 2018 and subject to change before account opening. Minimum deposit to open is $1,000. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
Bump-Up CDs
TermAPY*
18 months 1.05%
42 months 1.50%
*Annual Percentage Yield (APY) effective as of October 4, 2018 and subject to change before account opening. Minimum deposit to open is $1,000. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. At the account holder’s request, the interest rate and APY may be increased one time during the 18-month term or two times during the 42-month term of the CD prior to maturity without penalty to the current interest rate and APY available for new CDs of the same type at the time of the request. This feature is available only if the interest rate and APY available for new CDs of the same type have increased during the term of the CD. The new rate will be paid from the time of the request until the maturity date.

Savings & Money Market

Personal Savings and Money Market Accounts
ProgramMinimum to OpenMinimum Daily Balance to earn APYAPY*
Inner Circle Money Market Account$10,000$100,000.00 and above0.50%
$50,000.00 to $99,999.990.40%
$25,000.00 to $49,999.990.30%
$10,000.00 to $24,999.990.15%
$5,000.00 to $9,999.990.10%
$1,000.00 to $4,999.990.05%
$0.01 to $999.990.05%
Money Market Account$100$10,000.00 and above0.20%
$2,500.00 to $9,999.990.10%
$0.01 to $2,499.990.05%
Statement Savings$5$0.010.05%
*Annual Percentage Yield (APY) effective as of October 4, 2018 and subject to change at any time. The APY may change after the account is opened. Fees could reduce the earnings on the account. These rates are available for consumer accounts only.

Checking

Personal Checking Accounts
ProgramMinimum to OpenMinimum Daily Balance to earn APYAPY*
Direct Checking with Interest$25$100.000.05%
High Interest Checking$25$100,000.00 and above0.40 %
$50,000.00 to $99,999.990.30%
$25,000.00 to $49,999.990.20%
$10,000.00 to $24,999.990.15%
$5,000.00 to $9,999.990.10%
$1,000.00 to $4,999.990.05%
$0.01 to $999.990.00%
*Annual Percentage Yield (APY) effective as of October 4, 2018 and subject to change at any time. The APY may change after the account is opened. Fees could reduce the earnings on the account. These rates are available for consumer accounts only.

Business Deposits

Business Money Market Accounts
ProgramMinimum to OpenMinimum Daily Balance to earn APYAPY*
Business Premium Plus Money Market$10,000$100,000.00 and above0.65%
$50,000.00 to $99,999.990.50%
$25,000.00 to $49,999.99 0.35%
$10,000.00 to $24,999.99 0.15%
$5,000.00 to $9,999.99 0.10%
$1,000.00 to $4,999.990.05%
$0.01 to $999.990.05%
Business Money Market$100$10,000.00 and above0.40%
$0.01 to $9,999.990.10 %
*Annual Percentage Yield (APY) effective as of October 4, 2018 and subject to change at any time. The APY may change after the account is opened. Fees could reduce the earnings on the account. These rates are available for business accounts only.

Deposit Insurance

All our accounts come with Federal Deposit Insurance Corporation (FDIC) protection of up to $250,000 per depositor. Learn more about Deposit Insurance.

How can we help you?

Please contact us if you have questions about any of our products and services. You can visit our Resource Center, use our information request form or give us a call at 860-376-4444.

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