Rates & Calculators
CD and IRA Rates
Build your savings with guaranteed rates and fixed terms.
CD SPECIALS | |
4.5 Month CD | APY* |
4.5 Month CD | 4.50% |
*Annual Percentage Yield (APY) is accurate as of October 11, 2024 and subject to change before account opening. Minimum deposit to open is $1,000. New money only. Minimum daily balance to obtain the APY is $0.01. Maximum principal balance limit of $250,000 per account tax owner. 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 Available for a limited time only; offer may be withdrawn at any time. Open in branch only. | |
7.5 Month Relationship CD | APY* |
7.5 Month - with JCSB checking account | 4.30% |
7.5 Month - without JCSB checking account | 4.05% |
*Annual Percentage Yield (APY) is accurate as of October 11, 2024 and subject to change before account opening. Minimum deposit to open is $1,000. Minimum daily balance to obtain the APY is $0.01. Maximum principal balance limit of $250,000 per account tax owner. 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 Available for a limited time only; offer may be withdrawn at any time. Open in branch only. | |
IRA CD Special for Contributions Only | APY** |
1 Year | 4.00% |
2 Years | 3.00% |
**Annual Percentage Yield (APY) accurate as of October 11, 2024 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 Available for a limited time only; offer may be withdrawn at any time.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 $8,000. IRS maximum contributions for 2024 IRAs: $7,000; $8,000 for persons age 50 or older. Please consult your tax advisor regarding the potential tax implications of an IRA. Open in branch only. | |
CERTIFICATE OF DEPOSIT (CDs) | |
TERM | APY* |
91 Days | 0.75% |
6 Months | 0.75% |
1 Year | 1.00% |
1 1/2 Years | 1.00% |
2 Years | 1.25% |
2 1/2 Years | 1.25% |
3 Years | 1.25% |
4 Years | 1.50% |
5 Years | 2.00% |
*Annual Percentage Yield (APY) is accurate as of October 11, 2024 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 | |
TERM | APY* |
18 months | 0.95% |
42 months | 1.23% |
*Annual Percentage Yield (APY) is accurate as of October 11, 2024 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. | |
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