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Interest Rates

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Jones Bank offers many interest bearing accounts.

Interest Rates Effective June 23 – 29, 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%

Early Withdrawal Penalties (Based on original maturity term of the CD)

12 Months or Less3 Months Interest
Greater than 12 Months through and including 24 Months6 Months Interest
Greater than 24 Months through and including 36 Months9 Months Interest
Greater than 36 Months12 Months Interest

*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%