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Open a Savings Account

The savings account is where all great relationships begin! You've got something you're saving for, and we've got more ways to help you get there. Make the switch to Jolt  today!

Open the door to membership with just a $5 deposit. As an owner of the credit union, you now have voting rights and access to everything we offer. For your convenience, you can open a savings account online. Opening your online savings account gives you not only a competitive rate on your savings, but access to all of the benefits of credit union membership that Jolt has to offer.

Pay yourself first! We make saving easy with no monthly service fees. Interest is calculated daily and paid monthly. Let us help you save for any goal or just build a little cushion to protect your finances during unforeseen expenses. We can make savings automatic each month.

  • Automatic transfers
  • Online transfers


To learn more about our Early Direct Deposit benefit, please click here.

Surcharge Free ATMs

For members who wish to access their funds in their savings account, we offer an ATM Card. No matter the time of day or night, quick cash and other transactions are as close as the nearest ATM.

  • Available FREE with a Jolt savings account. The daily maximum withdrawal limit at an ATM is $600.
  • 24/7 surcharge free access at any ATM displaying the Alliance One or CO-OP Network logo
  • Locate a CO-OP ATM from your phone by simply texting your location (address, intersection or zip code) to 91989 (MYCOOP) and you will get the nearest CO-OP ATM location to you. Texting fees may apply.
  • Unlimited access to any of Jolt's ATMs.
  • To change your PIN, call (866) 985-2273.
  • If your card has been lost or stolen, contact us right away. If it is after hours call (888) 918-7845.

Sub Savings

A sub savings account is ideal for saving up for short-term expenses like vacations, Christmas or a special purchase. Once your membership is established, you have the option of opening a sub savings account. This account has no monthly fee and dividends are calculated daily and paid monthly. The minimum balance to earn dividends is $1.00.


Christmas Club

Open a free Christmas Club account and take the stress out of holiday expenses. You're ready. Save however much you wish to meet your needs, automatically. We’ll keep your Christmas savings safely away in this special account and automatically deposit the balance (plus interest) into your regular savings in October, leaving plenty of time for your holiday planning and purchases. For your convenience, we can open your Christmas Club account for you over the phone or at any office location.

Savings Rates

Savings Accounts
Effective Date: Wednesday, June 12th, 2024
Account TypeMinimum Balance to Receive DividendDividend RateAnnual Percentage Yield (APY)*Compounded/Paid
Savings $5 0.050% 0.050% Monthly/Monthly
Miscellaneous Savings $1 0.050% 0.050% Monthly/Monthly
Super Saver Account $25,000 - $49,999 0.275% 0.275% Quarterly/Quarterly
Super Saver Account $50,000 & Over 0.375% 0.280% to 0.380% Quarterly/Quarterly
Christmas Club $1 0.050% 0.050% Monthly/Monthly
IRA Share $1 & Over 0.050% 0.050% Monthly/Monthly
IRA Super Saver $25,000 - $49,999 0.275% 0.275% Quarterly/Quarterly
IRA Super Saver $50,000 & Over 0.375% 0.280% to 0.380% Quarterly/Quarterly
Money Market $1,000 - $9,999 0.200% 0.200% Daily/Monthly
Money Market $10,000 & Over 0.250% 0.250% Daily/Monthly
Super Saver Account is a Split Tier and each Tier will receive the dividend that applies.
*APY=Annual Percentage Yield. Fees may reduce earnings.


A. There is a minimum of $5.00 to open your Jolt membership with a savings account. You must maintain at least $5 while it’s open.

A. Complete our direct deposit form with your information and desired deposit amount, and submit the form to your employer's payroll department. For more information about our Early Direct Deposit benefit, please click here.

A. Frequently, we see that Direct Deposits may not credit your account due to an invalid account number. Be sure to verify with the issuer of the deposit that they are sending funds to your correct account number. You may also want to validate the ABA Routing Number: 272484441. For assistance, contact the credit union at (800) 798-2328.

A. You are allowed unlimited withdrawals.


A. Yes, if applicable. Earnings $10 and higher will be mailed.

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