Savings

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Grow Your Savings at Your Own Pace

The key to successful saving is consistency. Your small habits can make big growth when paired with the right savings account.

Once you’ve found the perfect fit, it takes as little as five minutes to open your new savings account. You can even apply for a checking or other type of account with the same application.

Start Saving

Which Savings Account is Right For You?

Whether you’re looking to start small or grow money with competitive interest rates, we offer a savings account that will help you reach your goals. Our team is here to help you decide — use the chat to talk to a real human at JVB, contact us via phone or email, or stop by one of our locations.

Statement Savings

A convenient everyday savings account with easy access to your money 24/7.

Kids Savings

Exclusively for children and teens under 18 years old. Enjoy no minimum balance fees for the first 12 months.

Money Market

Earn interest and maintain access to your funds. Maintain higher balances to maximize your savings.

Holiday Club

Save for the holidays while earning interest. No required payment amount or frequency required.

Compare Savings Accounts:

Comparison table of personal savings accounts
	Statement Savings	Kids Savings	Regular Money Market	Indexed Money Market	Holiday Club
Minimum Balance to Open	$100	$0.01	$1,000	$1,000	$0
Monthly Fee	$5	$0 for the first 12 months, then $5	$8	$12	n/a
Minimum Balance to Avoid Fee	$100	$100*	$1,000	$5,000	n/a
Debit/ATM Card Accessible					n/a
Free Online, Mobile, Text, and Phone Banking
Minimum Balance to Earn Interest	n/a	n/a	n/a	$1,000	n/a
Interest Paid	Check Rates	n/a	Check Rates	Check Rates	Check Rates

*Monthly fee of $5 is waived for 12 months from the date of account opening.

Why Open a Savings Account With JVB?

In addition to our competitive interest rates and low fees, we offer a personal touch. As a community bank, our team of expert bankers are your friends and neighbors. We can help you set up a personalized savings plan to reach your goals.

You can open an account online. It’s fast, easy, and secure.

Open an Account Online

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Looking for Additional Ways to Save?

We’ve Got You Covered With Our CDs and IRAs

Certificates of Deposit

Individual Retirement Accounts

Savings Calculator

Use this helpful tool to help plan for your future. Know how much you need to save now to have what you need later.

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Debit Cards Checking Accounts Online & Mobile Banking Contact Us

Savings Account FAQs

Don’t see what you’re looking for? Use the chat to talk to a real human at JVB, contact us via phone or email, or stop by one of our locations.

Different savings accounts are designed to support different financial goals. Some customers want a simple place to build emergency savings, while others are saving for holidays, large purchases, or long-term financial milestones.

At Juniata Valley Bank, our team can walk through your goals and help you select the savings option that fits your plans best. Whether you're starting small or building a larger balance, we’ll help you find an account that supports your progress.

Open a Savings Account

Yes. Deposits at Juniata Valley Bank are FDIC-insured up to the maximum limits allowed by law, meaning your savings are backed by the full faith and credit of the United States government.

In addition, JVB uses advanced account monitoring and security tools to help protect your information and your funds.

Yes. With JVB’s secure online and mobile banking, you can check balances, review transactions, and transfer funds between accounts anytime.

These tools allow you to stay connected to your savings and manage your finances easily, whether you're at home or on the go.

Opening a savings account at JVB is simple. You can open an account online or visit one of our local branches to speak with a banker who can guide you through the process.

Our team is always happy to answer questions and help you choose the option that best supports your savings goals.

No. Due to the purpose of these accounts, the depositing period runs from October to October, for holiday savings. If a withdrawal is requested before the depositing period ends, the account must be closed and a $10.00 fee is assessed.

Yes. Savings account statements are available electronically through online banking or by mail, depending on your preferences.

Electronic statements allow you to securely access your account history anytime while reducing paper clutter.

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Savings Accounts

Grow Your Savings at Your Own Pace