Education Savings

Saving smart for school and the months between.

From classroom goals to year-round budgeting, save with support and flexibility that works for you.

Become a Member & Own a Share in JHCU
Become a Member & Own a Share in JHCU
Earn dividends on your deposits
Earn dividends on your deposits
Flexible Terms
Flexible Terms
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Education Savings 

Plant the seeds of your child’s future education and watch them grow! Save with the flexibility you need—for elementary, secondary, or college tuition—without the limitations of other educational savings accounts.

Features & Benefits

  • 3-and 5-year terms
  • Earn dividends
  • Unlimited deposits1
  • $100 minimum opening deposit

Educator Savings

Your paychecks might pause, but life doesn’t! Tailored for members on a 10-month pay cycle, our Educator Savings Account helps manage your budget, effortlessly bridging your paychecks into a seamless, financially secure 12-month period.

How it Works: 

  1. Open the account by October 31st.
  2. Set up a direct deposit of at least $5 to the account.
  3. Make deposits regularly
  4. Avoid withdrawing any money before May 31st

Note: Following these steps, new account holders will receive a $50 bonus credited to their account on June 1st2!

Graduate Savings

When school’s out, but your expenses are year-round, JHCU has your back! Bridge the gap between semesters with a Graduate Savings account and keep the money coming in even when class isn’t in session.

How it Works:

  1. Open the account by October 31st.
  2. Set up a direct deposit of at least $5 to the account.
  3. Make deposits regularly
  4. Avoid withdrawing any money before May 31st

Note: Following these steps, new account holders will receive a $25 bonus credited to their account on June 1st2

Our Rates

Account
Min. Balance
Dividend
APY*

Education Savings (3 years)

Min. Balance
$100
Dividend
0.10
%
APY*
0.10
%

Education Savings (5 years)

Min. Balance
$100
Dividend
0.15
%
APY*
0.15
%

Educator Savings

Min. Balance
$0
Dividend
0.10
%
APY*
0.10
%

Graduate Student Summer Savings

Min. Balance
$0
Dividend
0.10
%
APY*
0.10
%
Min. Balance
$5,000
Dividend
0.10
%
APY*
0.10
%
Min. Balance
$10,000
Dividend
0.10
%
APY*
0.10
%
Min. Balance
$25,000
Dividend
0.10
%
APY*
0.10
%
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Personalize your financial roadmap with JHCU

Create a plan tailored to your goals, income, and life stage. Start building a clearer path toward financial confidence today.

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FAQs

Frequently Asked Questions

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Education Savings

Getting in touch with us is easy. Just fill out our short contact form and a representative will contact you as soon as possible.

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Disclosures

1Early withdrawals during the initial term incur a penalty. Once the term ends, you may make one penalty-free withdrawal per quarter.

2Must be a member with a $1 minimum balance in a Share Savings account. If criteria are met, the annual bonus of up to $50 will be deposited to your Share Savings account on June 1st. Must be an active 10/11/12 month Special Education employee of Kennedy Krieger Institute as of June 1st.