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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.  The peace of mind that comes with knowing your funds are FDIC insured with no risk.

*must have checking account at JSB attached to the debit card also.

 

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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.

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

It’s never too early to be thinking about retirement.  Whether your goal is higher education for your children or retirement for yourself, we offer a product to help you reach your goals.  If you have any questions, just give us a call or stop by one of our convenient locations.

We encourage you to contact your tax advisor to discuss your tax deductibility status when making retirement decisions.

Traditional

Our Traditional IRA allows you to defer taxes on your earnings until they are withdrawn. Certain contributions into this account are even tax deductible.

Roth

The major benefit of our Roth IRA is tax-free earnings growth.  If you expect to be in a higher tax bracket when you retire, our Roth IRA may be more beneficial to you.

Coverdell Education Savings Account

This education savings account is a non-deductible account that features tax-free withdrawals for a child’s education expenses.  Qualified higher education distributions from this account are penalty free and tax free.

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.

See how much you can save.

Use our free retirement calculator to discover how much you should be investing in an IRA now.

Retirement Calculator