Personal Savings / CDs

Whether you’re starting a savings account for yourself or a family member, in need of a high yield liquid account, or just looking for CDs, you’ll find convenient access and competitive interest rates on all our savings accounts.

Many of our accounts offer tiered rates that help you earn even more as your balance grows. We also offer a First Rate Savings Account that provides higher yielding interest for your larger deposit dollars. The peace of mind that comes with knowing your funds are FDIC insured with no risk.

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Personal Savings

  • Interest Rates increase with your balance with higher tiers at: $1,000, $10,000
  • Accessible 24/7 through Online Banking or ATM when combined with a JSB checking account
  • Make online transfers to and from your checking account with Online Banking
  • Open today with just $100

Student Savings

  • Accessible 24/7 through Online Banking or ATM when combined with a JSB checking account
  • Make online transfers to and from your checking account with Online Banking
  • Open today with just $25
  • No minimum balance required

First Rate Savings

  • Interest Rates increase with your balance with higher tiers at: $1,000, $10,000
  • Make online transfers to and from your checking account with Online Banking
  • Open today with just $10,000
  • Convenient Access – up to 3 withdrawals per quarter
  • No monthly service fees if balance is maintained over $1,000
  • Interest paid monthly

Christmas Club

Make it easy for yourself when the holidays come around with a JSB Christmas Club account. Save a little money every month by designating an amount of your choice, and have plenty available for your shopping needs when the time comes.  Open an account with as little as $10.00.

Your balances will grow safely until the shopping season arrives. Earnings are paid annually on October 31st. Have your funds automatically deposited into your checking account – just in time for the shopping season or receive a check for the balance of your Christmas Club account.

Certificates of Deposit (CDs)

Our rates are based on the term and other conditions. Terms range from 91 day – 60 month.

Loyalty CD Rates

Jersey State Bank customers earn more on their CDs with our Loyalty rates. Earn more if you have an established checking, savings or loan account with us.

Bump Up CD

This Certificate of Deposit requires an opening balance of $5,000.00. The initial term of the Certificate of Deposit is thirty-six (36) months and is automatically renewable as per the renewal policy. A one time “option” will be granted to the purchaser of the Bump Up CD with a face amount of at least $5,000.00. You may exercise this option once during the initial term to adjust the annual percentage yield and interest rate payable on the certificate during the remainder of the initial term. We reserve the right to require the right to present the Option Card given to them at the time of purchase, before the option may be exercised. Interest is compounded quarterly, no interest checks will be issued or credited to another account.

Add On CD

This Certificate of Deposit requires an opening balance of $500.00. The initial term of the Certificate of Deposit is thirty (30) months and is automatically renewable as per the renewal policy. Additional deposits may be made during the term of the Certificate of Deposit at a minimum of $50.00 per additional deposit. Interest is compounded quarterly, no interest checks will be issued or credited to another account.

Call today to talk with any one of our Customer Service Representatives about specials and interest rates today at 618-498-6466 or via email at JSBcustomerservice@jsbmail.com

*Please be aware email is not a secure method of communication. Do not use email to send us confidential or sensitive information such as passwords, account numbers or social security numbers. If you need to provide this type of information, contact us by phone, fax or regular mail.

Individual Retirement Accounts (IRAs)

Individual Retirement Accounts

An Individual Retirement Account (IRA) is a great way to boost your savings for a secure retirement. We can help you reach your retirement goals by offering traditional or Roth IRAs. You can open an Individual Retirement Account with as little as $100.

Learn about our Individual Retirement Account options below. If you don’t see what you’re looking for on this list, or if you have additional questions, just give us a call at 618.498.6466 or 618.786.2311 or stop by one of our convenient locations.

IRA Rollover

If you have received a disbursement from a qualified plan, profit sharing, or have an IRA maturing at another financial institution, you can roll these funds into a Jersey State Bank IRA and maintain a tax-deferred status on the funds. The funds must be deposited within 60 days of receipt in order to defer taxes until retirement.

IRA Transfer

You can transfer your IRA from another institution directly to Jersey State Bank. Our employees will be happy to initiate an IRA transfer for you.

Opening an IRA Account

Stop by one of our convenient locations. Our employees will be happy to assist you in determining which IRA is right for you and open the account.