The Right Path Savings Account gives you the opportunity to recover from past financial mistakes and gives you a fresh start.

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

Benefits/Good To Know

  • Free access to over 55,000 surcharge-free ATMs*
  • Free ATM Card
  • Pre-paid Debit Card Available
  • Free Online, Mobile & Telephone Banking
  • Free Mobile App
  • Free Express Deposit**
  • Free Account Alerts***
  • Free eStatements
  • Free Direct Deposit
  • Ability to Earn Quarterly Dividends
  • Complimentary ID Theft Recovery services available on all personal accounts

Good To Know

  • A minimum opening deposit of $5 is required
  • Low minimum monthly balance requirement of $5
  • Low monthly fee of $10
  • Routing number
  • Free ATM Card

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. 

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:


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 FCU 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.
APY = Annual Percentage Yield and is subject to change without notice. Share accounts are compounded and paid quarterly. Rates may change after account is opened. * 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.**You may access Express Deposit 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. ***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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