Classic Savings

When you join JSC FCU, you begin your membership by opening a regular Savings Account in your name, with a simple $5 account deposit. This account establishes your ownership in the Credit Union, and is the foundation that you can build our other products and services upon for a lifetime of financial management.

  • Benefits/Good To Know
  • Application Process
  • FAQs
  • Tools
  • Compare Accounts
 

Benefits/Good To Know

  • Free access to over 55,000 surcharge-free ATMs*
  • Free ATM Card*
  • Free access to over 5,000 Credit Union Service Centers
  • Free Online, Mobile & Telephone Banking
  • Free Mobile App
  • Free Express Deposit**
  • Free Account Alerts***
  • Free eStatements
  • Free Direct Deposit
  • No Monthly Service Fee
  • Ability to Earn Quarterly Dividends
 
 

Good To Know

Application Process

1. Online Account Opening:

It is now easier than ever to do your banking from home or a mobile device. With JSC FCU's Online Account Opening option, you won't sacrifice time, money, or security when you open accounts online. The sign up process is fast, easy and secure! With flexible funding options available, you can start using your account right away. Funding is simple. Transfer funds directly from a pre-existing JSC FCU account, a credit card, or an account at another institution. Enjoy instant access to your new accounts via ebanking Online Banking. Click here to open account online.

2. Applying in Branch:
  • The Credit Union requires anyone opening a new account or being added as a signer on an account to provide certain information to reasonably identify.
  • The following items, at a minimum, are required to be obtained:
    • Name
    • Address (P.O. Box is not acceptable)
    • Date of Birth
    • Official Identification Number (Social Security Number, Tax Payer Identification Number).
    • For an individual the documentary identification includes:
      • Driver’s License
      • Passport
      • Military ID
      • State ID
        • If residential address does not match ID, alternate verification is required. Example: insurance card, lease agreement, utility bill
      • Resident Alien Card
      • Passport with Country of Issuance
      • Foreign government issued ID Card
  • If adding a joint owner to your account, the joint owner must be present to sign the new account card, and will need to provide us with their ID and social security number.
  • If adding a beneficiary to your account, the person does not need to be present or sign the account card. You will need to provide us with their date of birth or social security number.
  • The minimum to open a Savings account is $5.00
 
3. Member chooses optional products:

FAQs

When are dividends paid to members?

All dividends are paid monthly except on Regular Shares (S1), Special/Additional Savings (S2), and Christmas Club (S3) which are paid Quarterly. Dividends are deposited into the account on the first day of the month for amounts accrued during the previous month.

When are dividend checks mailed to members?
Dividend checks are mailed on the first business day of each month for monthly paid accounts, and the first business day of the quarter for quarterly paid accounts.
What is the minimum balance requirement in my Savings Account to earn any interest?
The minimum balance to open a Savings Account with JSC is $5.00. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account. For this account, dividends will be compounded and paid quarterly.

Compare Savings Accounts

  Classic Savings Account Christmas Savings Account STAR Team Savings Account Claim Your Youth  Teen Savings Account
DESIGNED FOR: All Members, 18+ Members who wish to save money specifically for the holiday season Kids 12 years old and under Teens 13-17 years old
NO Monthly Service Fee Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts
FREE Online and Mobile Banking Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts
FREE Mobile App Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts
FREE ATM Card ( Available to members 14 years and older) Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts   Compare JSC FCU Checking Accounts
FREE Direct Deposit Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts
FREE E-Statements Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts
55,000+ Surcharge-FREE ATMs Nationwide  (If you are younger than 18 years of age and do not have a parent or legal guardian as a joint owner on your account, you may be restricted to JSCFCU proprietary ATMs only.) Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts
FREE Access to Shared Branches (At participating locations. Certain restrictions apply.) Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts
Bimonthly/Quarterly Educational Newsletter     Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts
Access to Exclusive Contests and Events     Compare JSC FCU Checking Accounts Compare JSC FCU Checking Accounts
Minimum Opening Deposit $5 $5 $5 $5

JSC FCU secondary savings account

Secondary Savings Account

Learn More
secondary saving account

Secondary Savings Account

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1 * Fees may apply at non-JSC Federal Credit Union's ATMs. See a JSC FCU representative or refer to the VIsa Check Card & ATM Card Agreement and Disclosure for complete details.2**You may access Express Deposit TM from the Transfer/Deposit menu after logging into mobile banking on the JSC FCU mobile app. All checks will post to your account by the end of the following business day (hold may apply). If your deposit is rejected for any reason, JSC Federal Credit Union will contact you at the daytime phone number on file or email address. Please ensure to your contact information is current. 3***Message and data rates may apply. Such charges include those from your communications service provider. Member must qualify.Please see a Credit Union employee for more information.

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