Bank · FDIC insured
Jeff Bank Savings Rates
Jeff Bank’s best savings rate is 0.05% APY on $10,000, with its Insured Money Market Account. Rates checked October 16, 2026.
How Jeff Bank’s savings rates compare
Compared with banks and credit unions near Monticello, NY, where Jeff Bank has the most branches. $10,000, best rate first.
This bank’s best
Jeff Bank
0.05%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $5
Tax Savings
Top rate
Wayne Bank
3.00%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $300
2nd-highest rate
Cooperative Federal Credit Union
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
Jeff Bank savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 Jeff 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.
Insured Money Market Account
0.05%APY
The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. Interest compounds weekly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Interest compounds weekly. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. | 0.05% | $5 | Interest compounds weekly. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. |
| $50,000 – $100,000Interest compounds weekly. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. | 0.05% | — | Interest compounds weekly. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. |
| $100,000 – $250,000Interest compounds weekly. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. | 0.05% | — | Interest compounds weekly. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. |
| $250,000 and upInterest compounds weekly. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. | 0.05% | — | Interest compounds weekly. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. |
Sources (1)
- jeff.bank/deposit-rates · captured Oct 5, 2026
Personal Statement Savings
0.05%APY
To avoid a $15.00 quarterly service charge, you must maintain an average daily balance of $200.00 or more OR participate in the direct deposit of a payroll or retirement program.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Interest compounds quarterly. | 0.05% | $5 | Interest compounds quarterly. |
| $50,000 – $100,000Interest compounds quarterly. | 0.05% | — | Interest compounds quarterly. |
| $100,000 – $250,000Interest compounds quarterly. | 0.05% | — | Interest compounds quarterly. |
| $250,000 and upInterest compounds quarterly. | 0.05% | — | Interest compounds quarterly. |
Tax Savings
0.05%APY
Withdrawals can only be made as window transactions or automatic transfers to your checking/savings account to pay taxes. Interest is posted annually. No Minimum Balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Interest compounds quarterly. | 0.05% | $5 | Interest compounds quarterly. |
| $50,000 – $100,000Interest compounds quarterly. | 0.05% | — | Interest compounds quarterly. |
| $100,000 – $250,000Interest compounds quarterly. | 0.05% | — | Interest compounds quarterly. |
| $250,000 and upInterest compounds quarterly. | 0.05% | — | Interest compounds quarterly. |
Special-purpose accounts
Municipal Insured Money Market Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Interest compounds weekly. Rates may change after opening. Fees could reduce earnings. Must have a minimum deposit of $2,500. | 0.05% | $5 | Interest compounds weekly. Rates may change after opening. Fees could reduce earnings. Must have a minimum deposit of $2,500. |
| $100,000 and upInterest compounds weekly. Rates may change after opening. Fees could reduce earnings. Must have a minimum deposit of $2,500. | 0.05% | — | Interest compounds weekly. Rates may change after opening. Fees could reduce earnings. Must have a minimum deposit of $2,500. |
Sources (1)
- jeff.bank/deposit-rates · captured Oct 5, 2026
IRA Statement Savings
0.05%APY
Interest compounds quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounds quarterly.Any balance | 0.05% | $5 | Interest compounds quarterly. |
Sources (1)
- jeff.bank/deposit-rates · captured Oct 5, 2026
Student Savings
0.05%APY
No monthly service charge until age 24, at which time the account will convert to a Statement Savings Account. No Minimum Balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Interest compounds quarterly. | 0.05% | $5 | Interest compounds quarterly. |
| $50,000 – $100,000Interest compounds quarterly. | 0.05% | — | Interest compounds quarterly. |
| $100,000 – $250,000Interest compounds quarterly. | 0.05% | — | Interest compounds quarterly. |
| $250,000 and upInterest compounds quarterly. | 0.05% | — | Interest compounds quarterly. |
Holiday Club
0.01%APY
Withdrawals made before maturity must be for the entire balance, no partial withdrawals allowed. No Minimum Balance. A penalty may be imposed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounds at maturity.Any balance | 0.01% | $1 | Interest compounds at maturity. |
Holiday Club Direct Deposit
0.01%APY
Requires direct deposit. Withdrawals made before maturity must be for the entire balance, no partial withdrawals allowed. No Minimum Balance. A penalty may be imposed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounds at maturity.Any balance | 0.01% | $1 | Interest compounds at maturity. |
Vacation Club
0.01%APY
Withdrawals made before maturity must be for the entire balance, no partial withdrawals allowed. No Minimum Balance. A penalty may be imposed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounds at maturity.Any balance | 0.01% | $1 | Interest compounds at maturity. |
Vacation Club Direct Deposit
0.01%APY
Requires direct deposit. Withdrawals made before maturity must be for the entire balance, no partial withdrawals allowed. No Minimum Balance. A penalty may be imposed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounds at maturity.Any balance | 0.01% | $1 | Interest compounds at maturity. |
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.