Personal Savings Accounts

Personal Savings Accounts

Features Rates FAQs Support

For life’s adventures—both planned and unexpected.

A thoughtful place to build your financial well-being, with savings options that grow alongside your plans and priorities.

Become a Member & Own a Share in JHCU

Earn dividends on your deposits

Nationwide ATM Access

No items found.

Share Savings

Ready to thrive? Step into a world of financial wellness! Become a member, own a share of the credit union, and unlock the full potential of JHCU with a $1 minimum savings deposit.

Features & Benefits

$1 minimum balance
Earn competitive dividends on ANY balance¹
FREE ATM card
Access to 30K surcharge-free ATMs nationwide
Up to 3 in-branch monthly withdrawals

Open a Savings Account

‍

‍

Money Market

Gain momentum on your savings without losing access to your money! Keep at least a $2,500 balance and enjoy all the benefits of a high-dividend savings account without locking up your cash.

Features & Benefits

Earn competitive dividends¹
$2,500 minimum balance to open account and earn Money Market rates²

Log in to Online Banking

Not yet a member? Contact Us

‍

‍

Custom Savings

You are the architect of your future! Whether you're nurturing funds for a rejuvenating retreat, a reliable vehicle, a significant life event, a peaceful home refresh, or any other goal that supports your holistic health, the sky’s the limit.

Features & Benefits

Open up to 5 accounts to personalize your savings
Earn competitive dividends on ANY balance¹
Access to 30K surcharge-free ATMs nationwide
Up to 3 in-branch monthly withdrawals
No minimum balance toopen account

Log in to Online Banking

Not yet a member? Contact Us

‍

‍

Holiday Club

Make this holiday season your most financially relaxing one yet! Stress less and celebrate more when you set aside funds all-year-long with our Holiday Club Account. Eliminate the financial stress so you can truly savor the holiday season.

How it Works

Start your Holiday Club at any point before September 30.
Transfer money at any time through Online or Mobile Banking
On October 1, your balance—including deposits and dividends—is automatically transferred to your regular Share Savings account.
No minimum balance toopen account

Note: If you need to withdraw funds during the year, you may do so at a branch—you cannot transfer from the Holiday Club via Online Banking. Keep in mind there is a fee for early withdrawal.

Log in to Online Banking

Not yet a member? Contact Us

Helpful Resources

Checking Accounts

Financial Education

Free Financial Coaching

Our Rates

Account

Min. Balance

Dividend

APY*

Share Savings

Min. Balance

$1

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

%

Money Market

Min. Balance

$2,500

Dividend

0.70

%

APY*

0.70

%

Min. Balance

$10,000

Dividend

0.78

%

APY*

0.78

%

Min. Balance

$25,000

Dividend

0.86

%

APY*

0.86

%

Min. Balance

$50,000

Dividend

1.04

%

APY*

1.05

%

Min. Balance

$100,000

Dividend

1.22

%

APY*

1.23

%

Min. Balance

$250,000

Dividend

1.22

%

APY*

1.23

%

Custom Share Savings

Min. Balance

$0

Dividend

0.10

%

APY*

0.10

%

IRA Share Savings

Min. Balance

$500

Dividend

0.10

%

APY*

0.10

%

Min. Balance

$5,000

Dividend

0.10

%

APY*

0.10

%

Min. Balance

$50,000

Dividend

0.15

%

APY*

0.15

%

Min. Balance

$10,000

Dividend

0.10

%

APY*

0.10

%

Min. Balance

$25,000

Dividend

0.10

%

APY*

0.10

%

Holiday Club

Min. Balance

$0

Dividend

0.10

%

APY*

0.10

%

Custodial Savings

Min. Balance

$0

Dividend

0.05

%

APY*

0.05

%

FAQs

Frequently Asked Questions

No items found.

Contact Us

Ask about our

Personal Savings Accounts

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

Call Us

Main: 410-534-4500
Toll-Free: 1-800-543-2870

answers@jhfcu.org

Please do not include sensitive information

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

Disclosures

*APY = Annual Percentage Yield.

¹Dividends are compounded daily and paid quarterly from date of deposit to date of withdrawal.

²Money Market Balances that fall below $2,500 will earn a dividend equal to the current Share Draft Checking rate.

Routing Number:

252076235

NMLS#:

509565

Toll-Free Phone:

Johns Hopkins Credit Union (JHCU) is a federally chartered credit union completely independent from Johns Hopkins University, Johns Hopkins Health Systems, and any of the Johns Hopkins schools, hospitals, or programs. JHCU holds a license to use the “Johns Hopkins” registered mark. JHCU serves the employees, students, retirees and Alumni Association members of the Johns Hopkins University, employees and retirees of the Johns Hopkins Health System and its hospitals, and employees and retirees of other select entities. JHCU is wholly owned by its members. Neither Johns Hopkins University nor Johns Hopkins Health Systems select, endorse, or are responsible for the goods and services offered by JHCU.

If you are using a screen reader for the visually impaired and are having problems using any part of this website or any of JHCU's websites, please call 800-543-2870 during normal business hours for assistance. For more information please see our website accessibility statement.

Created by The Pod