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Savings

Share Savings - Your savings account earns a competitive dividend rate that is paid quarterly.

Money Market - An initial deposit of $1000.00 opens a JMCU money market account. The average daily balance method will be used to calculate dividends. To avoid a fee an average daily balance of $2500.00 must be maintained. Regulation D states this type of account is only permitted up to six (6) preauthorized or automatic withdrawals, telephone transfers, or transfers initiated by personal computer to another account at the same credit union or to a third party during a calendar month or statement cycle, and no more than three (3) of these six transfers can be made by share draft, draft, debit card or similar order and payable to third parties.

Certificates of Deposit - If you are looking for Certificate of Deposits - we have a variety of ones to choose from! Whether its a REGULAR 3-6-12-24 month CD or a $200 PIRATES CLUB CD , a $500 FYI CLUB, or our SMART SAVER CD - we're sure you'll be pleased!

Christmas Club - Sit back and enjoy the holidays this year! How? By opening a CHRISTMAS CLUB ACCOUNT ! Earn the same interest as our regular savings accounts. It's easy, simple and convenient to do payroll deduction. No required minimum deposit and your balance is transferred to your savings account the middle of October.

When you join JMCU, you become a life member and a shareholder.

No matter whether you retire, move, or change jobs once you become a member of the credit union, you are a member for life!

Our membership is not rated on a scale of importance by the size of a person's savings and/or checking account - that's why every member is rated top priority at our credit union!

Are you eligible for membership? Click here for details.

  Vacation Club-Enjoy your vacation by planning well for that earned time off with a VACATION CLUB ACCOUNT ! Earn interest just like our regular savings. No minimum deposit and you can withdraw the money at any time .

Pirates Club-Designed for our members ages 12 and under. The purpose of this club is to encourage our youngest members to save their own money. To open a PIRATES CLUB ACCOUNT requires a $5 membership fee. This $5 must stay in the account for as long as your child is a member. For every $5 deposit you make into your JMCU Pirates Club account - you get your card punched! You get to visit our Treasure Chest. When your card is completely punched ($30 = 6 punches) you get to select a KID FUN Certificate. A PIRATES CLUB member is eligible to open a $200 Certificate of Deposit which pays the interest rate of our regular 12 month Certificate of Deposit!

FYI (Future Young Investors)-Ages 13-17 have the opportunity to apply for a loan up to $250.00 (certain requirements do apply) and Ages 16-18 can apply for loans up to $500 (certain requirements do apply). However, to be eligible the member must be attending school, have proof of job (babysitting, mowing yards, etc) and parents/guardians must co-sign on note (a credit check will be ran on parents/guardians and they must qualify for signing of the note). OTHER SERVICES AVAILABLE TO THIS AGE GROUP : Checking Accounts, Visa Cards with a limit up to and including $500 (higher balances will be at the discretion of senior loan officer and must meet same requirements as for loans), and $500 Certificates of Deposit with our regular 12 month interest rate on Certificates of Deposit.

Metro Advantage Club-You've worked hard for your money so why not enjoy some extra benefits from your credit union! If you are a member in good standing with us and you are 55 years or older then that's all you need to qualify! Enjoy "special member privileges" such as: Free checking accounts, Free traveler's checks, Free cashiers checks, Free money orders, Free notary service, Free ATM service, Fee-Free IRA's, $500 Over-Draf t Protection (upon credit approval), Discount of .25% rate on loans (discount does not apply however to Visa or Home Loans), Discount of 10% on Silver Dollar City Passes (this applies to One-Day or Two-Day Adult passes with a limit of 2 per household), CD BONUS of an additional .10% (one-tenth of one-percent) earnings above the posted rate on Certificates of Deposits of $5,000 or more, Fee-Free Classic, Preferred Member, Platinum or Share-Covered Visa Card (upon approval of credit history), One Free Economy Box of Liberty Checks printed per year (one box equals 150 checks), Direct Deposit of Social Security, pension, and payroll checks for ease of mind and security plus save 50% on Wire Transfer Charge!