Federal Deposit Insurance Corporation FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Choose an Account Type
Online Banking Login
Enroll now. Forgot Password?

Interest Rates

Cropped shot of an unrecognizable man using on his cellphone in his coffee shop

Jones Bank offers many interest bearing accounts.

Interest Rates Effective December 23 – December 29, 2025

 

CERTIFICATES OF DEPOSIT AND INDIVIDUAL RETIREMENT ACCOUNTS

CERTIFICATES OF DEPOSIT AND INDIVIDUAL RETIREMENT ACCOUNTS

TermInterest RateAnnual Percentage Yield (APY)
91 Day 0.55% 0.55%
182 Day 0.80% 0.80%
9 Month – Special 3.89% 3.95%
12 Month 1.05% 1.05%
15 Month – Special 3.75% 3.80%
18 Month 1.29% 1.30%
21 Month 1.49% 1.50%
24 Month – Special 3.41% 3.45%
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 3.80% 3.85%

*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
0.35% 0.35%

Direct Interest Checking – No Minimum Balance

Interest RateAnnual Percentage Yield
0.35% 0.35%

Premier Interest Checking – Minimum Balance of $1,500

TierInterest RateAnnual 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

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

Savings Account & Christmas Club – No Minimum Balance

Interest RateAnnual Percentage Yield
0.45% 0.45%

Money Market Plus – Minimum Balance of $1,000

TierInterest RateAnnual 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

TierInterest RateAnnual 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%