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Opening a Regular Share Savings account with a minimum deposit of $5.00 establishes your membership in Jefferson Credit Union and serves as a gateway to an array of modern banking services. Regular Share Savings accounts pay dividends at a rate determined by the Board of Directors. Dividends are declared and paid quarterly. Electronic or automatic withdrawals and transfers are limited to three per month. Your Regular Share Savings account is not the best savings plan if you require more than three withdrawals during a month. Talk to a Financial Services Officer about savings accounts and the plan that is best for you.
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Save money for holidays, vacation or any special purpose with one of our special savings club accounts. My Choice Savings Club accounts require no minimum balance, no monthly service fee, and you’ll earn interest on the average daily balance. Deposit through direct deposit, payroll deduction, online banking, over the counter, or by mail. Withdrawals may be made at any time but cannot exceed 6 in any month.
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Magic Money Savings is a smart way to save a little money each time you use your Jefferson debit card. You may choose to round up your debit card purchase to the next whole dollar and have the change automatically deposited to your Magic Money Savings account. No other option for depositing to Magic Money Savings is available. Withdrawals may be made at any time but cannot exceed 6 in any month.
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Easy Access Club is a traditional money market- type account, but with no check writing feature. Jefferson’s Money Market checking account is a better option for modern banking purposes. Easy Access service is maintained for existing account holders, but no new Easy Access accounts are offered.
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Certificates of Deposit (CD's) are offered with a minimum deposit of $500.00 for Regular Certificates and $10,000.00 for Preferred Certificates. Choose a 12, 24, 36, 48 or 60-month term. Interest is posted monthly. Certificates automatically renew at maturity unless you request a different maturity option.
Individual Retirement Arrangements (IRA)---Traditional, Roth, and Cloverdale Education Savings---are offered at competitive rates with terms of 12 or 60 months. IRAs usually provide tax advantages as well as excellent dividends. Talk to your tax advisor/accountant about your options for investing in IRA accounts. IRA accounts are separately insured by NCUA to $250,000 per member.
Plan for the future by investing in long-term retirement and investment products. Jefferson Credit Union has teamed up with Bill Smith Wealth Management to offer a wide variety of these products.
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If you have a child under the age of 19, you can sign them up for a Smart Start Savings Account. This gives kids an account where they can save their money so they can develop good financial habits early in life.
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With any savings account, you can elect to receive a free ATM card. With an ATM card, you have access to your funds at thousands of locations worldwide, and you can also check your balances.
To report your debit card lost or stolen, please call us toll free, 24/7 at 1-800-472-3272.
View our current Savings Account rates.