Bank · FDIC insured
JD Bank Savings Rates
JD Bank’s best savings rate is 0.15% APY on $10,000, with its JD Classic Savings. Rates checked October 16, 2026.
How JD Bank’s savings rates compare
Compared with banks and credit unions near Lake Charles, LA, where JD Bank has the most branches. $10,000, best rate first.
This bank’s best
JD Bank
2.50%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $250
JD Signature Savings
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Home Bank
3.04%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $304
JD Bank savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where JD Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
JD Signature Savings
Up to 2.50%APY
Requires JD Signature Checking. Average Daily Balance used to calculate interest. $10 monthly fee waived if $40,000 balance is maintained.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns 2.50% APY on full balance when JD Signature balance requirements ($40,000 in combined JD Signature Checking, JD Signature Savings, and Certificate of Deposit balances) are met during each monthly qualification cycle. $10 monthly fee waived if $40,000 balance is maintained.Any balance | 2.50% | $250 | Earns 2.50% APY on full balance when JD Signature balance requirements ($40,000 in combined JD Signature Checking, JD Signature Savings, and Certificate of Deposit balances) are met during each monthly qualification cycle. $10 monthly fee waived if $40,000 balance is maintained. |
| Any balanceEarns 0.05% APY on full balance when JD Signature balance requirements are not met. $10 monthly fee waived if $40,000 balance maintained.Any balance | 0.05% | $5 | Earns 0.05% APY on full balance when JD Signature balance requirements are not met. $10 monthly fee waived if $40,000 balance maintained. |
Sources (1)
- jdbank.com/bank/savings-accounts · captured Oct 16, 2026
ZydeCash Savings
Up to 0.50%APY
Paired with ZydeCash Checking. Average Daily Balance used to calculate interest. Limited to one account per Social Security number.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBase rate applied to all balances if monthly qualifications are not met on ZydeCash Checking. | 0.05% | $5 | Base rate applied to all balances if monthly qualifications are not met on ZydeCash Checking. |
| Up to $30,000Qualifying rate tier when qualifications are met during monthly qualification cycle on ZydeCash Checking (12 debit card purchases, at least 1 direct deposit or automatic payment, e-statements online, personal online or mobile banking access). | 0.50% | $50 | Qualifying rate tier when qualifications are met during monthly qualification cycle on ZydeCash Checking (12 debit card purchases, at least 1 direct deposit or automatic payment, e-statements online, personal online or mobile banking access). |
| Over $30,000Applies to balances over $30,000 when qualifications are met during monthly qualification cycle on ZydeCash Checking. | 0.15% | — | Applies to balances over $30,000 when qualifications are met during monthly qualification cycle on ZydeCash Checking. |
Sources (1)
- jdbank.com/bank/savings-accounts · captured Oct 16, 2026
JD Classic Savings
0.15%APY
$4.00 monthly fee waived if balance remains at $200 and above for the entire month. Average Daily Balance used to calculate interest. Three free withdrawals per month with $1 per withdrawal fee thereafter.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $100,000Tier 1: Balances $200 – $99,999.99. Fee waived if balance remains at $200 and above for the entire month. | 0.15% | $15 | Tier 1: Balances $200 – $99,999.99. Fee waived if balance remains at $200 and above for the entire month. |
| $100,000 and upTier 2: Balances $100,000 and above. Fee waived if balance remains at $200 and above for the entire month. | 0.30% | — | Tier 2: Balances $100,000 and above. Fee waived if balance remains at $200 and above for the entire month. |
Sources (1)
- jdbank.com/bank/savings-accounts · captured Oct 16, 2026
Special-purpose accounts
Minor Savings
0.15%APY
Account must be opened for a minor (under age 18) with one parent or legal guardian listed as the only authorized signer. Daily balance method used to calculate interest, compounded and credited monthly. No fee for minors.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Balances from $25 to $99,999.99. | 0.15% | $15 | Balances from $25 to $99,999.99. |
| $100,000 and upBalances of $100,000 and above. | 0.30% | — | Balances of $100,000 and above. |
Sources (1)
- jdbank.com/bank/savings-accounts · captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.