Jarrettsville Federal Savings and Loan Association savings, CD and money market rates
Jarrettsville Federal Savings and Loan Association advertises 0.15% APY on its Statement Savings account. That is 0.22 percentage points below the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #1856 of 2789 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1687.
Estimate your earnings·What Jarrettsville Federal Savings and Loan Association actually pays
Jarrettsville Federal Savings and Loan Association at a glance
| Savings | |
|---|---|
| Top savings APY | 0.15% · Statement Savings |
| Minimum to open | $1 · Statement Savings |
| Against the national average | 0.22 percentage points below the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 3.75% · 7 months · 7 Month CD Special |
| Minimum to open | $500 · 7 months CD |
| Against the national average | 2.34 percentage points above the 1.41% FDIC 6-month CD average (Sep 2026) |
| Money market | |
| Top money market APY | Up to 3.40% · Money Market · needs at least $1,500,000 |
| Minimum to open | not stated · Money Market |
| Against the national average | 2.77 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 31083 · Jarrettsville, MD |
|---|---|
| Website | www.jarrettsvillefederal.com |
| Branches | 1 branch in MD |
| Availability | Available in MD, PA |
Jarrettsville Federal Savings and Loan Association savings, CD and money market rates
Personal
How the rate applies
Business
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.16% or more. See the highest savings rates.
Jarrettsville Federal Savings and Loan Association CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 6 months | 3.30% | $2,500 | 6 Month CD |
| 7 months | 3.75% | $500 | 7 Month CD Special |
| 9 months | 3.40% | $500 | 9 Month CD |
| 10 months | 3.45% | $500 | 10 Month CD |
| 12 months | 3.65% | $500 | 12 Month CD/IRA (Bump-Up) |
| 13 months | 3.60% | $500 | 13 Month CD/IRA |
| 18 months | 3.45% | $500 | 18 Month CD/IRA |
| 24 months | 3.00% | $500 | 24 Month CD/IRA |
| 30 months | 2.50% | $500 | 30 Month CD/IRA |
| 48 months | 2.75% | $500 | 48 Month CD/IRA |
| 60 months | 2.85% | $500 | 60 Month CD/IRA |
| 72 months | 3.00% | $500 | 72 Month CD/IRA |
Interactive Tool
Calculate Savings for Jarrettsville Federal Savings and Loan Association
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$56.00(0.4%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,056.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Jarrettsville Federal Savings and Loan Association pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Jarrettsville Federal Savings and Loan Association paid a higher average rate on savings and money market deposits than 23% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Jarrettsville Federal Savings and Loan Association, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Statement Savings | 0.15% | $1 | $0 | None | not stated | not stated | One rate | |
| Christmas Club | 0.15% | $2 | $0 | None | not stated | not stated | One rate | |
| Fine print: Deposits are made in fixed weekly increments of $2, $5, $10 or $20. The account does not allow early withdrawals, and the balance is paid out by check at the end of October. | ||||||||
| Jarrettsville Joey Youth Savings | 0.15% | $1 | $0 | None | not stated | not stated | One rate | |
| Health Savings Accounts | 0.00% | $10 | $0 | None | not stated | None | One rate | |
| Money Market | 3.40% | not stated | $0 | None | $10 fee for balances below $250, can be waived | not stated | Tiered | |
| Business | ||||||||
| Business Savings | 0.15% | $1 | $0 | None | not stated | not stated | One rate | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 6 Month CD | 6 months | 3.30% | $2,500 | not stated | not stated |
| 7 Month CD Special | 7 months | 3.75% | $500 | not stated | not stated |
| Fine print: At maturity this certificate renews as a six month certificate, at the six month rate then in effect. | |||||
| 9 Month CD | 9 months | 3.40% | $500 | not stated | not stated |
| 10 Month CD | 10 months | 3.45% | $500 | not stated | not stated |
| 12 Month CD/IRA (Bump-Up) | 12 months | 3.65% | $500 | not stated | not stated |
| Fine print: One bump-up is allowed during the term, to the twelve month rate then in effect. | |||||
| 13 Month CD/IRA | 13 months | 3.60% | $500 | not stated | not stated |
| Fine print: At maturity this certificate renews as a twelve month certificate, at the twelve month rate then in effect. | |||||
| 18 Month CD/IRA | 18 months | 3.45% | $500 | not stated | not stated |
| 24 Month CD/IRA | 24 months | 3.00% | $500 | not stated | not stated |
| 30 Month CD/IRA | 30 months | 2.50% | $500 | not stated | not stated |
| 48 Month CD/IRA | 48 months | 2.75% | $500 | not stated | not stated |
| 60 Month CD/IRA | 60 months | 2.85% | $500 | not stated | not stated |
| 72 Month CD/IRA | 72 months | 3.00% | $500 | not stated | not stated |
Opening and using the account
| Availability | Available in MD, PA |
|---|---|
| Footprint | 1 branch in MD |
| Eligibility | not stated |
How Jarrettsville Federal Savings and Loan Association behaves over time
Every observation of the advertised Statement Savings rate in the last 12 months was 0.15% (observed through Oct 3, 2026). The series includes promotional tiers where one applied.
Banksparency observed no cuts to Jarrettsville Federal Savings and Loan Association's advertised savings rate in the last 12 months, a period with 2 Federal Reserve cuts.
Recent rate changes, as observed
- Obs. Sep 9, 202613 Month CD/IRACut:3.85%to3.60%
- Statement Savings
- The same as 30 days ago.
- 7 months CD
- The same as 30 days ago.
- Money Market
- The same as 30 days ago.
$10,000 at the 0.15% APY Jarrettsville Federal Savings and Loan Association advertises on Statement Savings grows to $10,015 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,686 does today. See how the federal funds rate shapes savings rates.
Jarrettsville Federal Savings and Loan Association CD rates over time
Who is Jarrettsville Federal Savings and Loan Association?
| Headquarters | Jarrettsville, MD |
|---|---|
| Founded | 1876 |
| Scale | $167M assets · $147M deposits, $130M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 31083 |
| Charter state | Maryland · one of 27 insured banks chartered there (Q2 2026, FDIC) |
| Size | 3,127th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 34% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Jarrettsville Federal Savings and Loan Association pays on deposits above.
Common questions about Jarrettsville Federal Savings and Loan Association
Is Jarrettsville Federal Savings and Loan Association FDIC insured?
Yes. Jarrettsville Federal Savings and Loan Association is FDIC insured under certificate 31083, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Jarrettsville Federal Savings and Loan Association?
Jarrettsville Federal Savings and Loan Association requires a minimum deposit of $1 to open its Statement Savings account, as observed on Oct 3, 2026. Check the bank's current terms before you open an account.
Does Jarrettsville Federal Savings and Loan Association have branches?
Yes. Jarrettsville Federal Savings and Loan Association operates 1 branch according to FDIC branch records, in addition to its website and mobile apps.
Jarrettsville Federal Savings and Loan Association against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Jarrettsville Federal Savings and Loan Association | 0.15% | 0.74% | $1 | 1 branch in MD |
| American Metro Bank | 0.15% | 2.40% | $250 | 2 branches in IL |
| Bank of Deerfield | 0.15% | 1.28% | $25 | 2 branches in WI |
| BANKWEST | 0.15% | 1.02% | $100 | 3 branches in MN |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Jarrettsville Federal Savings and Loan Association's.
Similar banks and related pages
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Rate hubs: today's highest savings rates, CD rates by term, and money market rates.