A Bank for
Every Generation

The convenience of online banking. The personalized guidance of a career staff that knows your name.


Deposit Accounts

  • Use 37,000 ATMs nationwide for free—no fees!
  • Bank entirely online, or come into the branch for friendly, personalized service
  • Deposit checks from anywhere with the camera on your mobile phone

Home Loans

  • Take advantage of low rates for mortgages and refinancing
  • Rest assured you have a representative seeking the best possible rate and options for your loan
  • Fast and friendly service

Commercial Loans

  • Fast approvals for loans and lines of credit. We outpace the big banks! Here’s how.
  • Expert guidance from our career staff.
  • Easy access to funds.

Commercial Loans – Now is the Time!

Small-business owners face a once-in-a-lifetime opportunity to ride the post-
pandemic wave as consumers reengage with local shops and services. To make the most
of this moment, businesses need loans and lines of credit for new vehicles, real estate,
and equipment—and it can’t wait.

Big banks slow down the loan process by reviewing with committees that only meet once
a month at a national headquarter. JFSL outpaces larger banks by reviewing requests as
they come in and acting fast!

Your Loan – 3 Steps Away

  1. Schedule an Appointment – Call 410-746-3809 or email
    Mary Ann
    to get started.
  2. Gather Documents – 3 years of business and personal tax
    returns, updated business financials, a personal financial
    statement, and a brief description of your request. Within
    a few days, JFSL reviews your request and provides a
  3. Apply For Your Loan – Depending on the type of loan
    request, an appraisal or other due diligence may be
    required. This process can, sometimes, take several weeks.
    While we wait together, we’ll answer any questions you
    have and help keep your plans moving forward!

A better way to borrow is waiting for you!

If you’re ready to invest in your business, you don’t need to wait for the big banks to
approve your loan and put your file in a queue. Contact Mary Ann right now and we’ll get
your loan moving forward today.

Contact Mary Ann

“The team at Jarrettsville Federal walked us through the PPP loan process
when we needed help most. Now our business is growing fast, and JFSL’s
speed and expertise have kept pace with us every step of the way!”

Some Banks Have Branches
We Have Roots

In our 150+ years of business, JFSL has helped
thousands of business owners achieve their dreams.
We know you by name because our staff members
stay with us for decades and serve generations of

Get Started Online Contact Us

Start online, contact us by email, or walk into our
branch any time to learn more about checking,
savings, home loans, and commercial loans.