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Deposit Rates

CDs

CD Specials - No Checking Required
TermAPY*
11 months 0.30%
20 months 0.40%
*Annual Percentage Yield (APY) is accurate as of June 22, 2021 and subject to change before account opening. Minimum deposit to open is $1,000. Minimum daily balance to obtain the APY is $0.01. 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 Available for a limited time only; offer may be withdrawn at any time.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. Also available to businesses and organizations.
IRA CD Special for Current Year Contributions Only
TermAPY*
1 Year0.40%
2 Years0.50%
*Annual Percentage Yield (APY) accurate as of June 22, 2021 and subject to change before account opening. Minimum deposit to open is $1,000. Minimum daily balance to obtain the APY is $0.01. 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 Available for a limited time only; offer may be withdrawn at any time. IRAs are considered individual retirement accounts and are subject to IRS rules and regulations. Available for current year IRA contributions only of up to $7,000. IRS maximum contributions for 2021 IRAs: $6,000; $7,000 for persons age 50 or older. Please consult your tax advisor regarding the potential tax implications of an IRA.
Certificates of Deposit (CDs)
TermAPY*
91 Days0.10%
6 Months 0.15%
1 Year0.25%
1 1/2 Years 0.30%
2 Years0.35%
2 1/2 Years 0.35%
3 Years0.45%
4 Years 0.60%
5 Years0.65%
*Annual Percentage Yield (APY) is accurate as of June 22, 2021 and subject to change before account opening. Minimum deposit to open is $1,000. Minimum daily balance to obtain the APY is $0.01. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
Bump-Up CDs
TermAPY*
18 months 0.25%
42 months 0.38%
*Annual Percentage Yield (APY) is accurate as June 22, 2021 and subject to change before account opening. Minimum deposit to open is $1,000. Minimum daily balance to obtain the APY is $0.01. 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 above0.25%
$50,000.00 to $99,999.990.20%
$25,000.00 to $49,999.990.15%
$10,000.00 to $24,999.990.10%
$5,000.00 to $9,999.990.10%
$1,000.00 to $4,999.990.10%
$0.01 to $999.990.10%
Money Market Account$100$10,000.00 and above0.10%
$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) is accurate as of June 22, 2021 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.
Under 30 Savings
ProgramMinimum to
Open		Minimum Daily Balance to Earn APYAPY* will:
Under 30 Savings Account$5For portion of balance $3,000.01 and uprange from 0.11% to 1.10%
For portion of balance $0.01 to $3,000.00equal 1.10%
*Annual Percentage Yield (APY) is accurate as of June 22, 2021 and subject to change at any time. The APY may change after the account is opened. The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier. The annual percentage yield of 0.11% assumes a deposit amount of $250,000. Fees could reduce the earnings on the account. These rates are available for consumer accounts only. Primary account holder must be between the ages of 18 to 30 to open and maintain the account.

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 above0.25%
$50,000.00 to $99,999.990.20%
$25,000.00 to $49,999.990.15%
$10,000.00 to $24,999.990.10%
$5,000.00 to $9,999.990.05%
$1,000.00 to $4,999.990.05%
$0.01 to $999.990.00%
*Annual Percentage Yield (APY) is accurate as of June 22, 2021 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 above0.30%
$50,000.00 to $99,999.990.25%
$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 $4,999.990.10%
$0.01 to $999.990.10%
Business Money Market$100$10,000.00 and above0.20%
$0.01 to $9,999.990.10%
*Annual Percentage Yield (APY) is accurate as of June 22, 2021 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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