Savings/Term Share Certificates

    Main Share Account (Savings)
    This account, when opened with your initial minimum deposit of $5.00, identifies you as a member and owner of our credit union.

    • $100 minimum balance required
    • Quarterly statements
    • Payroll deduction and direct deposit
    • ATM cards available to members with net direct deposit.
    • Certain requirements apply
    • Nominal fees may apply

    Christmas & Vacation Club Accounts
    JPEFCU offers our members the opportunity to save for the holidays, vacation and other special occasions with our two Club Accounts.

    Our Vacation Club features:

    • Minimum balance of $50.00 is required to earn dividends
    • Minimum balance of $1.00
    • Dividends paid monthly
    • Automatically renews
    • Payroll deduction and direct deposit available
    • No fee single signature traveler’s cheques
    • Nominal fees may apply

    Our Christmas Club features include:

    • Minimum balance of $50.00 is required to earn dividends
    • Minimum balance is $1.00
    • Automatically renews
    • Payroll deduction/direct deposit available
    • Dividends paid monthly
    • Automatic transfer to account of choice upon maturity
    • Nominal fees may apply*

    TERM SHARE CERTIFICATE ACCOUNTS
    Several types of certificates are offered to our members looking for investment
    options. With Certificate Accounts, dividends are calculated using the Daily
    Balance Method and are compounded and paid monthly. Statements are mailed
    quarterly.

    Term Share Certificates
    • $1,500 minimum balance
    • Various terms and maturities available

    Super Money Market Term Share Certificates
    • $50,000 minimum deposit
    • Various terms and maturities available

    24 Month Jump Up Share Certificates
    • $2,500 minimum balance
    • 24 month maturity
    • One time option per term to change dividend rate to the current
    JPEFCU advertised rate

    INDIVIDUAL RETIREMENT ACCOUNTS
    Now is the time to put aside for your future with our FEE-FREE IRA programs
    which include Regular, SEP, Roth, Roth Conversion and Coverdell ESA IRAs.
    • $20.00 minimum deposit
    • $20.00 minimum balance• Various terms and maturities available

    Current Rate Structure
    *Fees may reduce earnings on the account; there may be a penalty for early withdrawal. See the Truth-In-Savings Disclosure that you receive upon account opening for any applicable limitations to these accounts.