Credit union · NCUA insured
Johns Hopkins Credit Union Savings Rates
Top CarrotJohns Hopkins Credit Union’s best savings rate is 0.15% APY on $10,000, with its Education Savings (5 years). Rates checked October 22, 2026.
How Johns Hopkins Credit Union’s savings rates compare
Compared with banks and credit unions near Baltimore, MD, where Johns Hopkins Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Johns Hopkins Credit Union
0.15%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $15
Education Savings (5 years)
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
CFG Bank
4.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $405
Johns Hopkins Credit Union savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
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 Johns Hopkins 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.
Education Savings (5 years)
0.15%APY · 1 term
$100 minimum opening deposit. Early withdrawals during the initial term incur a penalty; once the term ends, one penalty-free withdrawal allowed per quarter. Variable rate account; rates subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 months | 0.15% | $75 |
Sources (3)
- jhfcu.org/overview/savings-accounts
- jhfcu.org/products/education-savings
- jhfcu.org/rates/deposit-rates
All captured Oct 4, 2026
Custom Share Savings
0.10%APY
No minimum balance to open account. Variable rate account; rates subject to change.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
| $5,000 and up | 0.10% | $10 |
| $10,000 and up | 0.10% | $10 |
| $25,000 and up | 0.10% | — |
Sources (3)
- jhfcu.org/overview/savings-accounts
- jhfcu.org/products/personal-savings-accounts
- jhfcu.org/rates/deposit-rates
All captured Oct 4, 2026
Education Savings (3 years)
0.10%APY · 1 term
$100 minimum opening deposit. Early withdrawals during the initial term incur a penalty; once the term ends, one penalty-free withdrawal allowed per quarter. Variable rate account; rates subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 0.10% | $30 |
Sources (3)
- jhfcu.org/overview/savings-accounts
- jhfcu.org/products/education-savings
- jhfcu.org/rates/deposit-rates
All captured Oct 4, 2026
Share Savings
0.10%APY
A share savings account with a minimum deposit of $1 is required for membership at Johns Hopkins Credit Union. The $1 initial deposit remains unavailable for use. Variable rate account; rates subject to change.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.10% | $10 |
| $5,000 and up | 0.10% | $10 |
| $10,000 and up | 0.10% | $10 |
| $25,000 and up | 0.10% | — |
Sources (3)
- jhfcu.org/overview/savings-accounts
- jhfcu.org/products/personal-savings-accounts
- jhfcu.org/rates/deposit-rates
All captured Oct 4, 2026
Special-purpose accounts
Money Market
Up to 0.79%APY
$2,500 minimum balance to open account and earn Money Market rates. Balances that fall below $2,500 will earn a dividend equal to the current Share Draft Checking rate. Variable rate account, rates subject to change. JHCU serves employees, students, retirees and Alumni Association members of Johns Hopkins University, Johns Hopkins Health System, and other select entities.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.70% | $70 |
| $10,000 and up | 0.79% | $79 |
| $25,000 and up | 1.03% | — |
| $50,000 and up | 1.23% | — |
| $100,000 and up | 2.05% | — |
| $250,000 and up | 2.05% | — |
Sources (3)
- jhfcu.org/products/personal-savings-accounts
- jhfcu.org/rates/deposit-rates
- jhfcu.org/overview/savings-accounts
All captured Oct 4, 2026
IRA Share Savings
0.10%APY
Variable-rate, open-ended IRA Savings account. No annual fees. Traditional and Roth IRAs available. Rates subject to change.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.10% | $10 |
| $5,000 and up | 0.10% | $10 |
| $10,000 and up | 0.10% | $10 |
| $25,000 and up | 0.10% | — |
| $50,000 and up | 0.15% | — |
Educator Savings
0.10%APY
Created exclusively for Kennedy Krieger Institute 10/11/12-month Special Education employees with a reduced summer work schedule. Must be a member with a $1 minimum balance in a Share Savings account. No minimum balance requirement. Variable rate account; rates subject to change.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (4)
- jhfcu.org/overview/savings-accounts
- jhfcu.org/products/education-savings
- jhfcu.org/products/educator-savings
- jhfcu.org/rates/deposit-rates
All captured Oct 4, 2026
Graduate Student Summer Savings
0.10%APY
Variable rate account; rates subject to change.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
| $5,000 and up | 0.10% | $10 |
| $10,000 and up | 0.10% | $10 |
| $25,000 and up | 0.10% | — |
Sources (3)
- jhfcu.org/overview/savings-accounts
- jhfcu.org/products/education-savings
- jhfcu.org/rates/deposit-rates
All captured Oct 4, 2026
Holiday Club
0.10%APY
Start Holiday Club before September 30. On October 1, balance automatically transfers to regular Share Savings. No minimum balance to open account. Variable rate account; rates subject to change.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- jhfcu.org/overview/savings-accounts
- jhfcu.org/products/personal-savings-accounts
- jhfcu.org/rates/deposit-rates
All captured Oct 4, 2026
Custodial Savings
0.05%APY
Available for ages 0-21. Parent or guardian must be a joint account owner. Share Savings account required to establish membership. No monthly fees. Variable rate account; rates subject to change.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Who can join Johns Hopkins Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in Census Tract 2605.01 in Baltimore City, Maryland are eligible for membership.
Employers and groups
- Employees and retirees of Johns Hopkins Hospitals, Johns Hopkins Health System, and named affiliated health institutions and entities are eligible for membership.
- Employees and retirees of eligible affiliated companies, contractors, and partner groups (including Aramark under contract for JHU Mt. Washington Conference Center Campus; Believe in Tomorrow Children’s House at Johns Hopkins; Canton Tower at 1501 S. Clinton St, Baltimore; Carnegie Institution of Washington; Community of Science; COPT Defense Properties; Dome Corporation; Howard Hughes Medical Institute of JHMI; Kennedy Krieger Institute; Keswick Multi-Care Center; Lieber Institute for Brain Development; Lifestar Response of Maryland in/paid from Annapolis Junction, MD; Paragon Biomedical Services, Inc.; Patient First at Greenspring Station; PinnacleCare; Potomac Home Health Care; Potomac Home Support; Professional Placement Resources for JH employees; Resolution Health, Inc. Columbia, MD location only; Space Telescope Science Institute; Transwestern Employees @ Mt. Washington Campus; Universal Protection Service / Allied Universal under regular contract for JHU and Peabody Institute in Baltimore, MD) are eligible for membership.
Military, government and schools
- Individuals currently employed by or retired from specified affiliated educational institutions and organizations (Henderson-Hopkins School; Independent College Fund of Maryland; Maryland Independent College and University Association, Inc.; Maryland Institute, College of Art; Mount Saint Mary's University; Washington College) are eligible for membership.
- All employees on the Bayview Medical Campus, including NIA, NIH, NIDA, and NHGRI, are eligible for membership.
- Employees, students, and retirees of Johns Hopkins University, as well as members of the Johns Hopkins University Alumni Association, are eligible for membership.
3 more ways to join
Military, government and schools
- Employees and students of the Peabody Institute of The Johns Hopkins University (and retirees) are eligible for membership.
- Employees and students of SAIS (Johns Hopkins School of Advanced International Studies) (and retirees) are eligible for membership.
Family and household
- Immediate family members (including spouses, children, step-children, parents, step-parents, grandparents, grandchildren, brothers, sisters, and step-siblings) and household members of an eligible individual are eligible to join.
Cost to join
- Depositing $1 establishes part-ownership in the credit union.
Membership information collected October 4, 2026.