Long-term Savings

    Earn more as you save towards your target Long-term Savings fixed-deposit account


    • Open your account with JA$25,000
    • Tax-free interest on your five-year savings
    • Competitive interest rates
    • Withdraw up to 75% of your interest every 90 days
    • Certificate of deposit


    • Get discounts from JN Group and almost 200 partners
    • 10% discount on JAA membership fee
    • 20% discount on motor vehicle insurance from JNGI
    • You must be 18 years or older
    • Resident living in Jamaica
    • Fully completed Customer Information Form (CIF) for all applicants
    • Proof of address. Three types acceptable: recent utility bill,bank statement, other official mail
    • Proof of employment (letter from employer, recent pay slip or valid work ID)
    • Current and valid identification, tax payer registration number (TRN) or Jamaican driver’s licence
    • Name and telephone contact of two character references. Click here to view list of approved referees
    • Completed account signature card
    • Completed self-employment verification form 
    • Completed self-certification form (individual)

    How is interest calculated on my Long-term Savings Account?

    Your interest is calculated daily and applied at the end of six months.

    Is the interest on money in my JN Long-term Savings Account taxed?

    No. The interest on your savings is tax-free if you save for the fixed five-year term.

    How can I check the balance in my JN Long-term account without visiting a branch or MoneyShop?

    Banking with JN is convenient and easy. You can check the balance in your account at your convenience using our online banking platform JN LIVE. To register, visit

    Can I transfer funds from my JN Long-term account to other accounts online?

    Of course you can! Register to use JN LIVE Online Banking by visiting and transfer funds to your account and other JN accounts or accounts at other local banks. You can also wire funds to banks overseas using JN LIVE

    Can I borrow against funds in my JN Long-term account to access a loan from JN Bank?

    No, you cannot use savings in your JN Long-term Savings Account account to secure loans from JN.  You can only use savings in select JN contractual savings accounts to access a Term Share loan.

    Can I open my JN My Future account at a JN MoneyShop?

    Yes, you may visit any JN MoneyShop to open your account. Visit our ATM/ Branch Locator page to find your closest JN MoneyShop or branch and opening hours.

    What benefits from the JN Group do I have access to when I open a JN Long-term Savings Account account?

    Yes, you can access a wide range of discounts at other companies in the JN Group, such as the Jamaica Automobile Association and JN General Insurance Company; and, you can use your JN ATM card to access discounts from several merchants who are a part of the JN Rewards programme.