Jones Bank offers many interest bearing accounts.

Interest Rates Effective November 4 – November 10, 2025

CERTIFICATES OF DEPOSIT AND INDIVIDUAL RETIREMENT ACCOUNTS
Term Interest Rate Annual Percentage Yield (APY)
91 Day 0.55% 0.55%
182 Day 0.80% 0.80%
9 Month – Special 3.99% 4.05%
12 Month 1.05% 1.05%
15 Month – Special 3.89% 3.95%
18 Month 1.29% 1.30%
21 Month 1.49% 1.50%
24 Month – Special 3.50% 3.55%
30 Month 1.69% 1.70%
36 Month 1.74% 1.75%
42 Month 1.79% 1.80%
48 Month 1.99% 2.00%
60 Month 2.23% 2.25%
IRA Variable Rate Savings Account 1.74% 1.75%
24 Month Variable Rate IRA 4.04% 4.10%

*Certificates of Deposit and Individual Retirement Accounts have a $500 minimum balance.

CHECKING AND SAVINGS ACCOUNTS
50+ Interest Checking – No Minimum Balance
Interest Rate Annual Percentage Yield
0.35% 0.35%
Direct Interest Checking – No Minimum Balance
Interest Rate Annual Percentage Yield
0.35% 0.35%
Premier Interest Checking – Minimum Balance of $1,500
Tier Interest Rate Annual Percentage Yield
$0 to $1,499.99 0.15% 0.15%
$1,500 and up 0.40% 0.40%
Business Interest Checking – Minimum Balance of $1,500
Tier Interest Rate Annual Percentage Yield
$0 to $1,499.99 0.15% 0.15%
$1,500and up 0.40% 0.40%
Savings Account & Christmas Club – No Minimum Balance
Interest Rate Annual Percentage Yield
0.45% 0.45%
Money Market Plus – Minimum Balance of $1,000
Tier Interest Rate Annual Percentage Yield
$0 to $999.99 0.05% 0.05%
$1,000.00 to $9,999.99 0.25% 0.25%
$10,000.00 to $49,999.99 0.75% 0.75%
$50,000.00 to $99,999.99 1.34% 1.35%
$100,000.00 to $249,999.99 2.08% 2.10%
$250,000.00 to $499,999.99 2.23% 2.25%
$500,000.00 to $999,999.99 2.28% 2.30%
$1,000,000 and up 2.37% 2.40%
Health Savings Account
Tier Interest Rate Annual Percentage Yield
$0 to $4,999.99 0.35% 0.35%
$5,000.00 to $19,999.99 0.55% 0.55%
$20,000.00 to $49,999.99 1.49% 1.50%
$50,000 and up 2.03% 2.05%