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Business Savings

We offer a variety of savings vehicles to help you earn more on your cash assets.

Share Savings Account

If you’re saving for new equipment or you just want to earn a greater dividend on your cash on hand, our business savings account may be just the fit. When your business joins the credit union, we’ll open a business savings account for you automatically. This account earns a monthly dividend with a minimum average monthly balance of just $100. All it takes is a $25 initial deposit to open.

Business Savings Rates

Effective March 24, 2023
AccountMin Balance to Earn DividendsDividend RateAPY*
General Savings$1000.15%0.15%

*APY = Annual Percentage Yield.
View Savings Disclosure

Gain access to Our Popular e-Services

With your Share Savings Accounts, you also get access to these services:

  • Free monthly e-Statements, our online statements
  • Free unlimited use of e-Branch, our online banking
  • Free online e-Pay when using a Jersey Shore Debit Card, otherwise, there is a $6.95 monthly fee
  • Free use of our JSFCU Mobile Banking App for banking and deposit
  • Free unlimited use of PATT, our 24-hr automated telephone transaction line

Money Market Account

Keep access to your account while earning higher dividends.

Our business money market account is a good choice for business owners seeking a high-yield account that gives immediate access to funds. You can make up to six withdrawals or transfers per month. The tiered-dividend rate means the more you save, the more you earn! You can start a money market account with as little as $500.

Business Money Market

Effective March 24, 2023
Tiered AmountDividend RateAPY*
$500 to $49,999.990.40%0.40%
$50,000 to $99,999.990.80%0.80%
$100,000 and over0.90%0.90%

*APY= Annual Percentage Yield.
View Money Market Disclosure

Share Certificates

Earn more with a business share certificate account.

All of our business share certificate accounts are designed to help business owners maximize their dividend potential with flexible terms and dividend payment options. You pledge the deposit for a certain term, and we reward you with a higher yield. You can choose a term from six months to 60 months, or open several to help you ladder your funds. The rate is fixed for the entire certificate term, even if rates go down significantly.

The minimum deposit for a business certificate is $1,000. Dividends are compounded and credited monthly. There is a penalty for early withdrawal

Business Certificate Rates

Effective March 6, 2024
TermBalanceDividend RateAPY*
6 months$1‚000.00 - $24‚999.991.39%1.40%
6 months$25,000.00 and above1.44%1.45%
12 months$1‚000.00 - $24‚999.991.88%1.90%
12 months$25‚000.00 and above1.93%1.95%
24 months$1,000.00 - $24,999.992.37%2.40%
24 months$25,000.00 and above2.42%2.45%
36 months$1,000.00 - $24,999.992.86%2.90%
36 months$25,000.00 and above2.91%2.95%
48 months$1,000.00 - $24,999.992.96%3.00%
48 months$25,000.00 and above3.01%3.05%
60 months$1,000.00 - $24,999.992.96%3.00%
60 months$25,000.00 and above3.01%3.05%

*APY = Annual Percentage Yield.
View Certificate Disclosure

Open an Account Today!

There are two convenient ways for businesses to open a savings, money market or certificate account:

Learn more by calling 609-646-3339 or 1-888-322-2848 toll-free and select option 2. Member Service Representatives are available by phone during business, evening, and weekend hours. Check our Call Center Hours for availability.
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