Jonestown Bank and Trust Company, of Jonestown, Pennsylvania: Savings Accounts, Money Market & Rates

Updated: 8/19/2026

Mission: Banksparency aims to make Jonestown Bank and Trust Company, of Jonestown, Pennsylvania's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of Jonestown Bank and Trust Company, of Jonestown, Pennsylvania

Our verdict

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania offers Prime Money Market Account, a money market account paying 3.05% APY with no minimum deposit. To earn the full 3.05% APY, a minimum balance of $2,500 is required. Below that, the rate drops to as low as 0.10% APY.

At 3.05% APY, Jonestown Bank and Trust Company, of Jonestown, Pennsylvania pays 5x the national money market average of 0.63%.

Additional Accounts

Young Investor Savings, a savings account at 0.10% APY.
Prime Money Market Account, a business money market account at 3.05% APY.
Statement Savings, a business savings account at 0.10% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

Important Considerations

Prime Money Market Account is a business money market account. Available to business customers.

Statement Savings is a business savings account. Available to business customers.

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Prime Money Market Account

Savings

3.05% APY

Tiered Range: 0.10% - 3.05%

StableNo rate changes in last 7 days

No Minimums Branch Access

Rank #102 of 337 tracked.

Statement Savings

Savings

0.10% APY

Min: $100 Branch Access

Rank #258 of 337 tracked.

Young Investor Savings

Savings

0.10% APY

No Minimums Branch Access

Rank #259 of 337 tracked.

Prime Money Market Account

Money Market

3.05% APY

Tiered Range: 0.10% - 3.05%

No Minimums Branch Access

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationJonestown, PA
Deposit InsuranceFDIC Insured(Cert: 10677)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Aug 19, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Deposit Accounts: In-Depth View

Savings Accounts Offered by Jonestown Bank and Trust Company, of Jonestown, Pennsylvania

Feature	Young Investor Savings	Statement Savings
APY	0.10%Verified: 8/19/2026	0.10%Verified: 8/19/2026
APY Trend	N/A	N/A
Min. Deposit	N/A	$100
Min. Balance	N/A	N/A
Monthly Fee	N/A	N/A
Direct Deposit	None	None
Checking Bundle	No	No
In-Branch Access	Yes	Yes
Compounding	N/A	N/A
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Next Steps	-	-

Interactive Tool

Calculate Savings for Jonestown Bank and Trust Company, of Jonestown, Pennsylvania

All calculations are based on APY.

Choose savings account

Initial deposit

⚠️

Minimum balance for higher APY: $2,500

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$1,148.40(7.6%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$15,148.40

Effective APY

2.97%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania Deposit Rates Over Time

Historical APY Insights

Last 6 Months

Metric	Prime Money Market Account	Money Market: Prime Money Market Account
Latest APY	3.05%	3.05%
Trend	Sideways	Sideways
Slope (bps/mo)	0.0	0.0
Rate Changes / Mo	0.00	0.00
Days Since Last Change	145	145
High (-6m)	3.05%	3.05%
Low (-6m)	3.05%	3.05%
Draw-down	0.0%	0.0%
Volatility (CV)	0.000	0.000

How to read these metrics▼

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Slope (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Rate Changes / Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 185-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.

Compare with Jonestown Bank and Trust Company, of Jonestown, Pennsylvania

Feature	Current View Jonestown Bank and Trust Company, of Jonestown, Pennsylvania	Empty Slot
Product		-
APY	0.10%Verified: 8/19/2026	-
APY Trend	N/A	-
Min. Deposit	N/A	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	N/A	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

Money Market Accounts Offered by Jonestown Bank and Trust Company, of Jonestown, Pennsylvania

Feature	Prime Money Market Account
APY	3.05%Range: 0.10% - 3.05%Verified: 8/19/2026
Min. Deposit	N/A
Min. Balance	$2,500
Monthly Fee	N/A
Direct Deposit	None
In-Branch Access	Yes
Compounding	N/A
FDIC Insured	Yes
Eligibility	United States

Alternatives to Jonestown Bank and Trust Company, of Jonestown, Pennsylvania

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

Valley Direct

High-Yield Savings Account: 4.00% APY

Minimum Deposit: $1,000

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Neighbors Savings Account: 4.10% APY

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U.S. Bank

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Freedom Bank

Platinum Money Market Account (Personal): 0.40% APY

Minimum Deposit: $0

Choice Money Market Account (Personal): 0.25% APY

Minimum Deposit: $0

Business Savings: 0.15% APY

Minimum Deposit: $0

Small Business Money Market Account: 0.25% APY

Minimum Deposit: $0

Minor Savings: 0.15% APY

Minimum Deposit: $0

Freedom Savings Account: 3.00% APY

Minimum Deposit: $0

High Yield Savings: 0.40% APY

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Choice Business Money Market Account: 0.25% APY

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Poppy Bank

Poppy Premier Personal Savings: 0.50% APY

Minimum Deposit: $1,000

Poppy Blooms Youth Savings Account: 3.75% APY

Minimum Deposit: $0

Eligible States: Limited (see details)

Poppy Premier Online Savings: 4.00% APY

Minimum Deposit: $1,000

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PNC

Standard Savings: 0.03% APY

Minimum Deposit: $25

PNC High Yield Savings: 3.15% APY

Minimum Deposit: $0

Eligible States: Limited (see details)

Prime Alliance Bank

Personal Savings: 3.75% APY

Minimum Deposit: $0

Business Savings Account: 3.75% APY

Minimum Deposit: $0

Business Money Market: 3.75% APY

Minimum Deposit: $0

Personal Money Market: 3.75% APY

Minimum Deposit: $0

PlainsCapital Bank

Personal Money Market: 3.07% APY

Minimum Deposit: $2,500

Momentum Max Savings Account: 2.00% APY

Minimum Deposit: N/A

LegacyAccess Account: 0.25% APY

Minimum Deposit: $100

Business Interest Account: 0.25% APY

Minimum Deposit: $100

Farmers State Bank

Money Market Account: 2.60% APY

Minimum Deposit: $1,000

Health Savings Account: 3.00% APY

Minimum Deposit: $100

Youth Savings: 0.40% APY

Minimum Deposit: $5

Ultimate Savings Account: 3.00% APY

Minimum Deposit: $10,000

FSBee Club Savings: 0.40% APY

Minimum Deposit: $5

Regular Savings Account: 0.40% APY

Minimum Deposit: $50

Bonanza Valley State Bank

Christmas Club Savings: 3.00% APY

Minimum Deposit: $25

Health Savings Account: 2.00% APY

Minimum Deposit: N/A

Individual Retirement Account: 3.00% APY

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Tiered Savings: 3.00% APY

Minimum Deposit: $100

Money Market: 0.80% APY

Minimum Deposit: $1,000

Global Bank

Statement Savings: 0.20% APY

Minimum Deposit: $100

Personal Money Market: 3.25% APY

Minimum Deposit: $100

Business Money Market: 3.25% APY

Minimum Deposit: $100