Credit union · NCUA insured
Jersey Shore Federal Credit Union Savings Rates
Jersey Shore Federal Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Jersey Shore Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Atlantic City, NJ, where Jersey Shore Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Jersey Shore Federal Credit Union
0.40%APY
- Minimum
- $500
- Earns on $10,000 a year
- $40
Money Market Account
Top rate
Univest
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
2nd-highest rate
Parke Bank
3.50%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $350
Jersey Shore Federal Credit Union savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.90%
- 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.
Where Jersey Shore 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.
Money Market Account
0.40%APY
Must maintain a main share savings account to open deposit accounts. Membership available to those who live, work, worship, volunteer, or attend school in Atlantic or Cape May counties, employees/members of Community Network organizations, or immediate family of existing members. Limited to six withdrawals/transfers per calendar month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $25,000Requires minimum daily balance of $500.00 to earn stated APY and avoid $5.00 monthly fee; APY is 0.0% on days balance falls below $500.00. Dividends compounded daily and credited monthly. | 0.40% | $40 | Requires minimum daily balance of $500.00 to earn stated APY and avoid $5.00 monthly fee; APY is 0.0% on days balance falls below $500.00. Dividends compounded daily and credited monthly. |
| $25,000 – $50,000Requires minimum daily balance of $500.00 to earn disclosed APY and avoid $5.00 monthly fee. Dividends compounded daily and credited monthly. | 0.80% | — | Requires minimum daily balance of $500.00 to earn disclosed APY and avoid $5.00 monthly fee. Dividends compounded daily and credited monthly. |
| $50,000 and upRequires minimum daily balance of $500.00 to earn disclosed APY and avoid $5.00 monthly fee. Dividends compounded daily and credited monthly. | 0.90% | — | Requires minimum daily balance of $500.00 to earn disclosed APY and avoid $5.00 monthly fee. Dividends compounded daily and credited monthly. |
Secondary Savings Account
0.15%APY
A regular savings account for special purposes with access to funds whenever needed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances.Any balance | 0.15% | $15 | Applies to all balances. |
Sources (3)
- jerseyshorefcu.org/accounts/savings
- jerseyshorefcu.org/accounts/savings-disclosure
- jerseyshorefcu.org/accounts/dividend-rates
All captured Sep 19, 2026
Special-purpose accounts
Variable-Rate Savings (IRA & Education)
0.45%APY
Variable-rate IRA & Education savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances.Any balance | 0.45% | $45 | Applies to all balances. |
Sources (2)
All captured Sep 19, 2026
Surf Club Savings Account
0.25%APY
Offered only to members 18-25 years old. Account remains open until savings goal is met or on 26th birthday, whichever comes first. When savings goal of at least $1,000 is met, member will be notified to open a certificate; if not opened within 14 calendar days or by 26th birthday, member incurs a fee, forfeits dividends, and funds transfer to regular savings. Closing early results in a $20.00 fee plus loss of accumulated dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applies to balances up to $1,000. For members ages 18 to 25. Early closure fee of $20.00 plus earned dividends.Up to $1,000 | 0.25% | — | Applies to balances up to $1,000. For members ages 18 to 25. Early closure fee of $20.00 plus earned dividends. |
Sources (3)
- jerseyshorefcu.org/accounts/savings-disclosure
- jerseyshorefcu.org/accounts/dividend-rates
- jerseyshorefcu.org/membership/fees-disclosures
All captured Sep 19, 2026
Holiday Savings Account
0.15%APY
Matures in October of each year and funds are automatically dispersed to Checking or Regular Savings Account. Automatically renews each year. Penalty/fee and forfeiture of earned dividends for early closure/withdrawal; 30-day grace period upon renewal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances. Early closure incurs a $20.00 fee plus loss of accumulated dividends.Any balance | 0.15% | $15 | Applies to all balances. Early closure incurs a $20.00 fee plus loss of accumulated dividends. |
Regular Share Account
0.15%APY
Primary savings account required to establish membership. Minimum balance of $25.00 ($5.00 for minors). $5.00 monthly low balance fee if monthly aggregate average daily balance falls below $100 (waived if 25 or younger, active loan, open certificate, or 10 debit card transactions/month).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances. $5 monthly low balance fee waived if monthly aggregate average daily balance of all accounts combined is at least $100, or with $25 in share account for members 25 and under, open loan/credit card, open share certificate, or 10 monthly debit card transactions.Any balance | 0.15% | $15 | Applies to all balances. $5 monthly low balance fee waived if monthly aggregate average daily balance of all accounts combined is at least $100, or with $25 in share account for members 25 and under, open loan/credit card, open share certificate, or 10 monthly debit card transactions. |
Vacation Savings Account
0.15%APY
Funds dispersed to Checking or Savings Account in January, April, July or October (member's choice). Automatically renews each year. Penalty/fee and forfeiture of earned dividends for early closure/withdrawal; 30-day grace period upon renewal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances. Early closure incurs a $20.00 fee plus loss of accumulated dividends.Any balance | 0.15% | $15 | Applies to all balances. Early closure incurs a $20.00 fee plus loss of accumulated dividends. |
Who can join Jersey Shore Federal Credit Union
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