Jovia Certificate Account
Jumpstart your savings!
You work hard for each dollar, so let each dollar work for you with Jovia’s Certificate Accounts. It’s a safe and steady way to grow your money with a guaranteed competitive rate without the risks of the market.
At Jovia, we offer certificates from 3-months to 5-years, so you can choose the term that works best for you. Like, our 8-Month Certificate with a great rate of 5.30% APY*! And, in online and mobile banking, you can easily enroll, renew, and withdraw your maturing certificates. Open a certificate account with as little as $100!
Choose what's right for you
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Save & Spend
Tired of paying fees for using your bank? Us, too. That’s why we reward you for growing your balance and using your account.
Whether you're building credit or looking to earn cash back with every swipe, we give you the flexibility you need to help you spend smarter.
Have dreams of owning a home or buying a new car, but lack the funds? Our low-rate loans can help you reach your goals.
Invest & Plan
Start planning for the future you want with the help of our team of experts who will help you reach your long and short-term financial goals.
Learn & Grow
From buying a home to saving for retirement, there’s a lot to learn. You can learn everything you need to know with our curated advice.
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APY = Annual Percentage Yield. Rates and terms are subject to change without notice.
* Annual Percentage Yield. Rates are subject to change without notice. APY measures the total amount of dividends a credit union pays on an account based on the dividend rate and the frequency of compounding. APY is expressed as an annualized rate, based on a 365-day year, regardless of the actual term. APY assumes all dividends remain in the certificate until maturity. Withdrawals will reduce earnings. Fees could also reduce earnings. Penalties may be imposed for early withdrawal. Penalty-free withdrawals for tuition and home purchases only. Ask for details. If the certificate rate increases within (5) five calendar days of the account opening, your certificate will earn the higher rate from the date the higher rate went into effect until the certificate’s maturity date. Only once may your rate increase. The dividend rate and annual percentage yield may increase. At renewal, your certificate will earn the rate on the day of maturity regardless of any future rate change.
Membership eligibility requirements apply.