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Start saving today to insure your future. Jersey Shore State Bank savings programs offer you a wide choice.

 Scheduled Statement Savings
This account is for anyone who wants easy access to their funds. It is an interest bearing account where interest is compounded quarterly with a quarterly statement mailed.

 Club Accounts
Holiday and All-Purpose Accounts are a convenient and disciplined form of saving for a special event. Each account earns a competitive rate, if held to maturity. There is a penalty of $10.00 and loss of interest if funds are withdrawn early.

Holiday Club - Saving for holiday purchases is easier when you save with the Jersey Shore State Bank Holiday Club Program. The program begins in October, with weekly deposits made for 50-weeks.
All-Purpose Club - Save for a vacation, taxes, or any major purchase with a Jersey Shore State Bank All-Purpose Club Account. The account can be started anytime with a deposit due each week. You determine the maturity month.

Whether you want the interest on your CD to compound or you would like to receive your interest, we have a variety of terms available to help you reach your financial goals. Monthly interest payments are available on deposits of $5,000 and over. There is a penalty for early withdrawal.

 33-Month Jump-Up Certificate of Deposit
The Jersey Shore State Bank 33-month Jump-up CD is the perfect investment if you are looking for the security of a fixed rate and the flexibility of "jumping" the rate if rates increase. One time during the 33-month term you can jump your CD rate to the current rate on our 33-month Certificate of Deposit.

 Individual Retirement Accounts (IRA)
An IRA is a special savings account authorized by the government to encourage people to save money for retirement by offering tax advantages. There are several maturity terms ranging from 1 year to 10 years. We offer both Traditional and Roth IRA products.

Traditional IRA - The traditional IRA is an account which may allow you to deduct your total annual contribution. Your earnings in a Traditional IRA are deferred until they are withdrawn. Individuals age 50 - 70 1/2 can benefit from increased IRA contribution limits.

Roth IRA - Roth IRA contributions are not tax deductible but the earnings are generally "tax free." The Roth IRA also has a higher contribution limit for individuals 50 and above.

 Insured Money Market Account
The Insured Money Market Account is an account with no minimum balance fee if you maintain a $2,000 minimum balance. If your balance falls below $2,000, there is a minimum balance fee. The IMMA allows a maximum of six (6) pre-authorized transfers per month, three (3) of which may be checks or other third party payments.