Share Certificates

Our Share Certificates are offered in a variety of term options and earn a guaranteed rate for a specific amount of time. Certificates are the perfect investment for extra cash, as they typically earn better annual percentage yields than savings or money market accounts, and only require a commitment as short as 3 months.

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

Benefits/Good To Know

  • Flexible term options from 3 months to 36 months
  • Earns higher monthly yields, which can be compounded or transferred to another JSC FCU checking or savings account
  • Safe and secure investment vehicle
  • Free online banking, mobile banking and telephone banking
  • Free eStatements
 
 

Good To Know

  • A minimum opening deposit of $500 is required
  • If a joint owner is opening a share certificate under his/her name, the primary member must also sign the share certificate form.
  • Certain penalties may apply for early withdrawal of funds. See complete fee schedule for more details.

Application Process

1. Online Account Opening (TP):

Online Banking Users: To open a Share Certificate account on-line: Log on to eBanking and click on the Accounts menu button. Then, click on the Open New Accounts button and select Certificate. Click "next" and continue following the decision prompts. Click here to open online. 

2. Complete the Share Certificate Form:
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 paid 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 CU Succeed 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 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  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 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
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