Grow your money safely

Tired of riding the ups and downs of the stock market roller coaster? Jovia has a healthy and safe way to grow your money, without the scary fluctuations of the market. A Jovia Certificate account is a great investment vehicle, for the short or long-term, that offers you safety, security and a guaranteed high yield.

Benefits of Saving with Jovia

Higher Earnings

Virtually nothing beats a Jovia Certificate account for a short or long-term investment vehicle that offers you safety, security, and a guaranteed high yield. No matter where you are in life right now, it’s never a bad time to think about the future.

Flexible Terms

Depending on your investment horizon, we can offer you flexible terms from three months to five years.

Automatic Renewals

We know life can get in the way. That’s why we make it convenient for you to keep saving. When your first term ends, unless you want to move, your certificate will automatically renew at the prevailing rate so you can keep on earning!

Rates & Terms


Minimum to Open



3-Month $100.00 0.296% 0.300%
6-Month $100.00 0.345% 0.350%
1-Year $100.00 0.443% 0.450%
18-Month $100.00 0.591% 0.600%
2-Year $100.00 0.492% 0.500%
30-Month $100.00 0.786% 0.800%
3-Year $100.00 0.591% 0.600%
4-Year $100.00 0.737% 0.750%
5-Year $100.00 0.835% 0.850%
Questions? We have answers!
What is the difference between a Certificate and an IRA Certificate?

A Certificate is a short or long-term investment vehicle that offers you safety, security, and a guaranteed high yield!

An IRA (Individual Retirement Account) Certificate works in the same way but allows eligible participants to set aside money for retirement. Speak to your tax advisor regarding your eligibility.

How often is interest compounded?
Interest is treated differently depending on which account type you have. In general, interest is accrued daily and posted monthly. On certificate accounts, interest compounds daily.

APY = Annual Percentage Yield. Rates are subject to change without notice. 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.