Deposit Account Rates Current Certificate Rates Share Certificates        As of August 25, 2008 Term                    Rate            APY 90 Days                2.50%         2.53% 6 Months              2.75%        2.79% 12 Months            3.10%         3.14% 18 Months            3.25%         3.30% 24 Months            3.50%         3.56% 36 Months            3.50%         3.56% 48 Months            3.50%         3.56% 60 Months            3.75%         3.82%   12 Month IRA      3.25%         3.30%  $500 minimum   Money Markets Balance                             Rate              APY $1,000.00 or greater      1.50%         1.51%     Shares                        Features            Rate          APY Savings            >   $100.00       .75%      .75% Checking         >$2,500.00       .50%      .50% IRA's               >       $0.00       .75%      .75% Club Account  >       $0.00      .75%       .75%   Annual Percentage Yield is subject to change without notice. Penalties may be imposed for early withdrawal. Minimum balances are required for dividend earnings. Regular term Certificates require $1,000.00 minimum.  IRA's require $500.00 minimum.                                 Current Share Rates Home Content Mgmt Form Builder Client Users My Details Logout Available Areas of Management Select an area to manage Content Management You can administer dynamic content pages from this location. Form Builder Develop and view form submissions. User Management From here you can manage your users for the myJSS Site Please contact member services for current certificate rates. The Dividend Rate and *Annual Percentage Yield (APY) are subject to change at any time without prior notice. Certificates are subject to penalty for early withdrawal. Please contact member services for further information. IRA Accounts Individual Retirement Account (IRA) plans allow members to save tax dollars now and earn tax deferred interest for their retirement. We have two types of IRA accounts-share and certificate. Regular IRA's have a minimum deposit of $500.00. Deposits may be made at any time through payroll deduction, by mail, or in person, provided they do not exceed the federal requirements for maximum yearly contributions. Dividends on regular IRA Accounts are paid quarterly. We also have a certificate IRA (12 months) plan. Dividends on IRA Certificate accounts are posted monthly. These accounts are insured separately up to $100,000 by the National Credit Union Administration. Roth and Education IRA accounts are also available.