Jersey Central Federal Credit Union Savings & Money Market Rates

How Jersey Central Federal Credit Union’s savings rates compare

Compared with banks and credit unions near New York, NY-NJ, where Jersey Central Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Jersey Central Federal Credit Union
0.40%APY
Requires
None
Minimum
$5
Earns on $10,000 a year
$40
Share Savings Account
Top rate
Woori America Bank
5.00%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$500
Woori America Bank rates
2nd-highest rate
HSBC USA
4.40%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$440
HSBC USA rates

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Savings score

Higher than 39% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.10%
$10,000 balance$10,0000.40%
$100,000 balance$100,0000.50%
QualifiedQualified0.40%

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.

How the score works →

Where Jersey Central Federal Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Special-purpose accounts

Club Account

0.40%APYClub$5 to open

Special short-term savings account for pre-determined goals (holiday gifts, vacations, taxes). Earns the same rates as Share Savings. Quarterly dividends on balances of $100.00 and above. $2.00 per paper statement (exempt for minors and members 65+).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100Earns the same rate as Share Savings	0.00%	—	Earns the same rate as Share Savings
$100 – $2,500Earns the same rate as Share Savings	0.10%	—	Earns the same rate as Share Savings
$2,500 – $10,000Earns the same rate as Share Savings	0.25%	—	Earns the same rate as Share Savings
$10,000 – $25,000Earns the same rate as Share Savings	0.40%	$40	Earns the same rate as Share Savings
$25,000 and upEarns the same rate as Share Savings	0.50%	—	Earns the same rate as Share Savings

Sources (3)

All captured Oct 15, 2026

Share Savings Account

0.40%APYAge limits$5 to open

Minimum opening deposit is $5.00 with setup of automatic deposit (payroll deduction/direct deposit), or $100.00 without automatic deposit. Quarterly dividends paid on balances of $100.00 and above. Excess savings withdrawal fee of $10.00 per transaction over 6 per month. $2.00 per paper statement (exempt for minors and members 65+).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $100	0.00%	—
$100 – $2,500	0.10%	—
$2,500 – $10,000	0.25%	—
$10,000 – $25,000	0.40%	$40
$25,000 and up	0.50%	—

Sources (3)

All captured Oct 15, 2026

Who can join Jersey Central Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

Employees of eligible partner companies and municipalities are eligible for membership.
Retirees of eligible partner companies are eligible for membership.

Family and household

Relatives of existing members are eligible for membership.

Cost to join

Minimum opening deposit is $100 unless payroll deduction/direct deposit is elected.
There is no fee to become a member.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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