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Interest Rates

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Jones Bank offers many interest bearing accounts.

Interest Rates Effective March 31 – April 6, 2026

 

CERTIFICATES OF DEPOSIT AND INDIVIDUAL RETIREMENT ACCOUNTS

CERTIFICATES OF DEPOSIT AND INDIVIDUAL RETIREMENT ACCOUNTS

TermInterest RateAnnual Percentage Yield (APY)
Term
91 Day
Interest Rate
0.55%
Annual Percentage Yield (APY)
0.55%
Term
182 Day
Interest Rate
0.80%
Annual Percentage Yield (APY)
0.80%
Term
9 Month – Special
Interest Rate
3.70%
Annual Percentage Yield (APY)
3.75%
Term
12 Month
Interest Rate
1.05%
Annual Percentage Yield (APY)
1.05%
Term
15 Month – Special
Interest Rate
3.55%
Annual Percentage Yield (APY)
3.60%
Term
18 Month
Interest Rate
1.29%
Annual Percentage Yield (APY)
1.30%
Term
21 Month
Interest Rate
1.49%
Annual Percentage Yield (APY)
1.50%
Term
24 Month – Special
Interest Rate
3.41%
Annual Percentage Yield (APY)
3.45%
Term
30 Month
Interest Rate
1.69%
Annual Percentage Yield (APY)
1.70%
Term
36 Month
Interest Rate
1.74%
Annual Percentage Yield (APY)
1.75%
Term
42 Month
Interest Rate
1.79%
Annual Percentage Yield (APY)
1.80%
Term
48 Month
Interest Rate
1.99%
Annual Percentage Yield (APY)
2.00%
Term
60 Month
Interest Rate
2.23%
Annual Percentage Yield (APY)
2.25%
Term
IRA Variable Rate Savings Account
Interest Rate
1.74%
Annual Percentage Yield (APY)
1.75%
Term
24 Month Variable Rate IRA
Interest Rate
3.65%
Annual Percentage Yield (APY)
3.70%

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

CHECKING AND SAVINGS ACCOUNTS

50+ Interest Checking – No Minimum Balance

Interest RateAnnual Percentage Yield
Interest Rate
0.35%
Annual Percentage Yield
0.35%

Direct Interest Checking – No Minimum Balance

Interest RateAnnual Percentage Yield
Interest Rate
0.35%
Annual Percentage Yield
0.35%

Premier Interest Checking – Minimum Balance of $1,500

TierInterest RateAnnual Percentage Yield
Tier
$0 to $1,499.99
Interest Rate
0.15%
Annual Percentage Yield
0.15%
Tier
$1,500 and up
Interest Rate
0.40%
Annual Percentage Yield
0.40%

Business Interest Checking – Minimum Balance of $1,500

TierInterest RateAnnual Percentage Yield
Tier
$0 to $1,499.99
Interest Rate
0.15%
Annual Percentage Yield
0.15%
Tier
$1,500 and up
Interest Rate
0.40%
Annual Percentage Yield
0.40%

Savings Account & Christmas Club – No Minimum Balance

Interest RateAnnual Percentage Yield
Interest Rate
0.40%
Annual Percentage Yield
0.40%

Money Market Plus – Minimum Balance of $1,000

TierInterest RateAnnual Percentage Yield
Tier
$0 to $999.99
Interest Rate
0.05%
Annual Percentage Yield
0.05%
Tier
$1,000.00 to $9,999.99
Interest Rate
0.20%
Annual Percentage Yield
0.20%
Tier
$10,000.00 to $49,999.99
Interest Rate
0.70%
Annual Percentage Yield
0.70%
Tier
$50,000.00 to $99,999.99
Interest Rate
1.29%
Annual Percentage Yield
1.30%
Tier
$100,000.00 to $249,999.99
Interest Rate
2.03%
Annual Percentage Yield
2.05%
Tier
$250,000.00 to $499,999.99
Interest Rate
2.18%
Annual Percentage Yield
2.20%
Tier
$500,000.00 to $999,999.99
Interest Rate
2.23%
Annual Percentage Yield
2.25%
Tier
$1,000,000 and up
Interest Rate
2.32%
Annual Percentage Yield
2.34%

Health Savings Account

TierInterest RateAnnual Percentage Yield
Tier
$0 to $4,999.99
Interest Rate
0.35%
Annual Percentage Yield
0.35%
Tier
$5,000.00 to $19,999.99
Interest Rate
0.55%
Annual Percentage Yield
0.55%
Tier
$20,000.00 to $49,999.99
Interest Rate
1.49%
Annual Percentage Yield
1.50%
Tier
$50,000 and up
Interest Rate
2.03%
Annual Percentage Yield
2.05%