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Jarrettsville Federal S&L Rates & Review April 2026

Jarrettsville Federal S&L's 13-Month CD/IRA rates are at 3.85%, 7-Month CD Special rates are at 3.75%, 12-Month CD/IRA rates are at 3.65%, 10-Month CD rates are at 3.45%, 18-Month CD/IRA rates are at 3.45%. Jarrettsville Federal S&L's savings rates are at 0.00%. Jarrettsville Federal S&L's money market rates are at 0.15%. Jarrettsville Federal S&L's 15 Year Fixed rates are at 5.62%, 10 Year Fixed rates are at 5.62%, Fixed Rate Construction/Perm Loans 15 Year Fixed Rate rates are at 5.62%, 20 Year Fixed rates are at 6.12%, 30 Year Fixed rates are at 6.25%. MonitorBankRates evaluates the financial stability of Jarrettsville Federal S&L with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.25%. Rates were last updated on 04/11/2026.

Jarrettsville Federal S&L money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Jarrettsville Federal S&L? Share your experience about Jarrettsville Federal S&L by leaving a review below, or read customer reviews before you decide to use Jarrettsville Federal S&L.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.25%
Excellent Lower than avg
Jarrettsville Federal S&L
3706 Norrisville Rd
Jarrettsville, MD 21084
https://www.jarrettsvillefederal.com
Member FDIC

Jarrettsville Federal S&L CD Rates

Product Rate APY Term View More
13 Month CD/IRA 3.78% 3.85% 13
Min Deposit $500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
7 Month CD Special 3.68% 3.75% 7
Min Deposit $500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
12 Month CD/IRA 3.59% 3.65% 12
Min Deposit $500
Details with one-time bump up
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
10 month CD 3.39% 3.45% 10
Min Deposit $500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
18 Month CD/IRA 3.39% 3.45% 18
Min Deposit $500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
9 Month CD 3.34% 3.40% 9
Min Deposit $500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
6 Month CD 3.25% 3.30% 6
Min Deposit $2,500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
24 Month CD/IRA 2.96% 3.00% 24
Min Deposit $500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
72 Month CD/IRA 2.96% 3.00% 72
Min Deposit $500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
60 Month CD/IRA 2.81% 2.85% 60
Min Deposit $500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
48 Month CD/IRA 2.71% 2.75% 48
Min Deposit $500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
30 Month CD/IRA 2.47% 2.50% 30
Min Deposit $500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%

Jarrettsville Federal S&L Savings Rates

Product Rate APY View More
Business Savings 0.15% 0.15%
Min Deposit $1
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Christmas Club 0.15% 0.15%
Min Deposit $2
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Jarrettsville Joey Youth Savings 0.15% 0.15%
Min Deposit $1
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Statement Savings 0.15% 0.15%
Min Deposit $1
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Health Savings Accounts - 0.00%
Min Deposit $10
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%

Jarrettsville Federal S&L Money Market Rates

Product Rate APY View More
Money Market 3.59% 3.65%
Min Balance $1,500,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Money Market 2.62% 2.65%
Min Balance $1,000,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Money Market 1.69% 1.70%
Min Balance $500,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Money Market 1.24% 1.25%
Min Balance $250,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Money Market 1.00% 1.00%
Min Balance $100,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Money Market 0.60% 0.60%
Min Balance $50,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Money Market 0.35% 0.35%
Min Balance $25,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Money Market 0.25% 0.25%
Min Balance $2,500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Money Market 0.15% 0.15%
Min Balance $0
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%

Jarrettsville Federal S&L Checking Rates

Product Rate APY View More
Checking with Interest 0.05% 0.05%
Min Deposit $250
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Business Checking - 0.00%
Min Deposit $500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Free Checking - 0.00%
Min Deposit $10
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%

Jarrettsville Federal S&L Mortgage Rates

Product Rate Points APR Term View More
15 Year Fixed 5.63% 0 5.78% 15
Details 20%
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
10 Year Fixed 5.63% 0 5.85% 10
Details 20% Down
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Fixed Rate Construction/Perm Loans 15 Year Fixed Rate 5.63% 0.75 5.97% 15
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
20 Year Fixed 6.13% 0 6.26% 20
Details 20%
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
30 Year Fixed 6.25% 0 6.35% 30
Details 20%
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Fixed Rate Construction/Perm Loans 20 Year Fixed Rate 6.13% 0.75 6.41% 20
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
Fixed Rate Construction/Perm Loans 30 Year Fixed Rate 6.25% 0.75 6.46% 30
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%

Jarrettsville Federal S&L Home Equity & HELOC

Product Rate Points APR Term View More
10 Year Fixed Rate Fixed Home Equity Loans 6.25% 0 6.38% 10
Details 80% LTV**
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
5 Year Fixed Rate Fixed Home Equity Loans 6.25% 0 6.49% 5
Details 80% LTV**
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
15 Year Fixed Rate Fixed Home Equity Loans 6.50% 0 6.59% 15
Details 80% LTV**
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%
20 Year Fixed Rate Fixed Home Equity Loans 6.75% 0 6.83% 20
Details 80% LTV**
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.25%

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Jarrettsville Federal S&L is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Jarrettsville Federal S&L rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Jarrettsville Federal S&L's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Jarrettsville Federal S&L
FDIC Certificate # 31083
Address 3706 Norrisville Rd, Jarrettsville, MD 21084  ·  Harford
Established 01/01/1876
FDIC Insurance Date 08/09/1989
Domestic Offices 1
Total Branches 1
Regulator OCC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
1.25%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.4401%
Return on Equity (ROE) 3.7400%
Non-Performing Loans (NPL) 0.13%
Total Assets $164,764,000
Total Deposits $145,100,000
Equity Capital $19,225,000
Net Income $485,000
Headquarters Jarrettsville
Total Offices 1
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Jarrettsville Federal S&L

Is Jarrettsville Federal S&L a safe place to deposit money?

Yes, Jarrettsville Federal S&L is considered a safe financial institution. With a Texas Ratio of 1.2465777363546%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Jarrettsville Federal S&L operate?

Jarrettsville Federal S&L currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Jarrettsville Federal S&L does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Jarrettsville Federal S&L provides members with tools to manage their accounts and build a solid financial history.

Does Jarrettsville Federal S&L offer online and mobile banking?

Most modern institutions like Jarrettsville Federal S&L provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.jarrettsvillefederal.com.

Current Jarrettsville Federal S&L Rates

  • 12-Month CD3.65%
  • 18-Month CD3.45%
  • 24-Month CD3.00%
  • 48-Month CD2.75%
  • 60-Month CD2.85%
  • Savings0.00%
  • MMA0.15%
Retrieved from our database of financial products. Rates subject to change.