Investing

We offer several different investment options to help you get more out of your money. Plus, we have the experience and knowledge to help you choose the right product for your needs. Take a look below to see what we offer, then give us a call to start planning your financial future.

Personal Money Market Accounts

Saving has never been so good. With a Personal Money Market account from Jefferson State Bank, you'll make money and have easy access to your funds. The higher interest rates of a money market will earn you more money than a regular savings account, and you'll have the freedom to take out cash whenever you need it. Plus, there are no check writing fees.

Money Market Features:

  • No monthly service fee when you maintain a minimum balance of $5,000 or an average collective daily balance of $5,000*
  • Variable interest, compounded daily and paid monthly
  • $1,000 minimum opening balance
  • Automatic transfers from savings or checking
  • Free online banking to make transfers
  • Up to six free monthly transactions including deposits, withdrawals or transfers in person, phone, or online. (Three by check to a third party and three by transfer.) Additional transactions have an $8.00 per debit fee.

(*$15.00 maintenance fee is below balance requirements.)

Certificates of Deposit

If you're looking for a secure, high-interest earning investment, a Certificate of Deposit from Jefferson State Bank may be right for you. You choose how much you want to invest, and how long you want to invest it. You'll get a guaranteed interest rate, with the security of an FDIC-insured CD.

IRAs

When it comes to planning for retirement, you're pretty much on your own these days. So the best time to start saving for your retirement is now, and an Individual Retirement Account is the best way to get started. With a Traditional IRA, you can take advantage of tax-deferred earnings and pay no taxes until you retire. With a Roth IRA, your earnings will grow tax-free, so you'll get tax-free money when you retire. We'll work with you to find the right solution for your retirement goals.

IRA Features:

  • Earnings are tax-deferred or tax-free depending on the product you choose*
  • Flexible terms with either a fixed rate or a variable rate IRA
  • Variety of distribution and investment options
  • Accounts are FDIC insured up to $100,000
  • Low minimum opening requirement

(*Consult a tax advisor for information in regards to tax status. See IRS Publication 590 for tax deductibility information.)

Try our calculators.

Questions?
(678) 679-0442



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