Regular Share Savings

This is your foot in the Jefferson Credit Union door. By that we mean you establish your valuable membership with us when you open a Regular Share Savings account with a minimum opening deposit of $5.00. And just like that, you’re in. This account is also a great way to save automatically because the number of withdrawals are limited to six per month. So, you could have money transferred into this account automatically each week (or month or pay period) and let it grow. Account dividends are declared and paid quarterly.
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My Choice Savings

A great way to save up some cash for the holidays, a vacation, or just about anything you want or need. There’s no minimum balance, no monthly fees, and you earn interest on the average daily balance. Deposits can be made in a lot of ways — direct deposit, payroll deduction, online banking, in person, and by mail — and you can make up to six withdrawals per month.
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SmartChange Savings

The name says it all, because this is just a smart, simple way to save. Here’s how it works: every time you use your Jefferson debit card, you simply round the amount of the purchase up to the next dollar — for example, $21.09 becomes $22 — and the extra change is automatically deposited into your savings account. Pretty neat, right? It’s also pretty neat how quickly those little deposits add up. You open the account with $25.00 and you’ll need to maintain a $25.00 balance to keep the account working. You can make up to six withdrawals a month.
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Prosperity Money Manager Account

If you’re already a member of Jefferson Credit Union, you can take advantage of our Prosperity Money Manager Account. This account is essentially a money market savings account, meaning you earn a higher rate of interest than with a standard savings account. Access is online only.
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ATM Savings Card

Unlike most financial institutions, Jefferson Credit Union offers members a free ATM card to access funds in their savings accounts. So when you need your money, you can get it.

Certificates of Deposit

Got some cash you want to stash away for a while to let it grow? We can help you out with that. Certificates of Deposit (CDs) are available in amounts ranging from $250.00 to $250,000.00 and for terms of 12, 24, 36, 48, and 60 months. They auto-renew at maturity unless you request otherwise, and interest is posted monthly.
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Individual Retirement Accounts (IRAs)

Many people wonder when and why they would need an IRA. Well, they’re perfect for folks whose company doesn’t offer a 401(k) plan, or if you have some additional funds you want to save for retirement above and beyond your company plan. Coverdell Education Savings plans are used by people who want to put money away on a tax-advantaged basis for future education expenses.

That’s the when and why. Here are the details: we offer traditional, Roth, and Coverdell accounts with competitive rates and with terms of 12 or 60 months. All offer tax advantages as well as excellent dividends. We can help you determine which one is right for you. You should also get some input from your tax advisor or accountant. IRA accounts are separately insured by NCUA for up to $250,000 per member.

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