In light of the government shutdown, we want our members who have been impacted to know that we are here to provide support and assistance. If you have or will be financially impacted by the government shutdown, learn about the options available to you here.

Money Market

Say hello to more money in your pocket.

With our Money Market account you can safely grow your savings at a great rate while still having access to your funds.

Whether you're saving for something special or building up that "just in case" fund, our Money Market account is a great choice. And the cool thing is, the more money you put in, the higher your earnings thanks to its tiered-rate structure.

Overview
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Benefits of Saving with Jovia

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Earn more dividends

The more you save, the faster your money grows with our tiered rate structure. Earn at a higher rate as your balance increases.

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Easy access to funds

You can transfer and withdraw funds from your Money Market account up to six times a month without incurring a fee!1

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Save with confidence

Rest easy knowing your savings are fully insured up to $250,000 by the NCUA.

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Money Market Premier Money Market
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Earn dividends while keeping your funds accessible and secure.

Enjoy higher APY rates with a premium savings solution.
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INTRODUCTORY OFFER

INTRODUCTORY OFFER

N/A

3.50% APY for first 6 Months*

GOOD FOR

GOOD FOR

Those looking to build their savings with access to the funds

Those with high-dollar deposits looking for large returns

APY

APY

 As high as 1.50%

As high as 3.40%

MINIMUM BALANCE TO EARN APY

MINIMUM BALANCE TO EARN APY

$2,500

$50,000

Looking to grow your savings with competitive rates and easy access to your funds?

Earn dividends on balances starting at $2,500, with even higher returns as your balance grows. It’s a flexible way to make your money work harder, while keeping it within reach.

Rates & Tiers

Money Market

Balance

APY°°

Rate

Minimum to Earn APY
$2,500 to $24,999 0.20% 0.20% $2,500.00
$25,000 to $49,999 0.30% 0.30% $25,000.00
$50,000 to $99,999 0.50% 0.50% $50,000.00
$100,000 to $249,999 0.75% 0.75% $100,000.00
$250,000 to $999,999 1.00% 1.00% $250,000.00
$1,000,000 to $4,999,999 1.25% 1.24% $1,000,000.00
Over $5,000,000 1.50% 1.49% $5,000,000.00

Rates & Tiers

Premier Money Market

Balance

APY°°

Rate

Minimum to Earn APY
$50,000 to $99,999 2.25% 2.23% $50,000.00
$100,000 to $249,999 2.50% 2.48% $100,000.00
$250,000 to $999,999 2.75% 2.72% $250,000.00
Over $1,000,000 3.40% 3.35% $1,000,000.00

Frequently Asked Questions

You can make up to six (6) electronic transactions per month of which three (3) can be checks. If a transaction is made in person, it does not count towards the limit of 6.

Savings and Money Market accounts are designed to help you save money and, as such, are subject to transaction limits, or the excess savings transaction limit (excess withdrawal transaction limit). Exceeding those transaction limits will result in a fee.


To help save you money and ensure you avoid these fees, our Bill Pay service will only access your checking account(s).

Yes, checks can be written. Transaction limits apply; please refer to our fee schedule.

No, Visa® debit cards are not available for money market accounts.

1A fee will be imposed for transactions exceeding the six allowed per month. Rates and terms are subject to change without notice. For more information, please refer to our fee schedule.

*The 6-month introductory rate equates to 184 calendar days from the day of account opening. The minimum average monthly balance required to earn the introductory rate for this account is $50,000. Average monthly balances under $50,000 will not earn dividends or the introductory rate. Members with a current or prior Premier Money Market Account are not eligible for an introductory rate. Only new first-time Premier Money Market Accounts will receive the introductory rate. This account may be charged up to 6 NSF/UCF per calendar month. If more than 6, additional NSF/UCF per month will be waived. Early certificate redemption penalties will be waived for the 15-month certificates entire balance or for the portion of balance that will be transferred to the Premier Money Market account. The early transfer offer is only valid for the 15-month certificate. Early certificate withdrawal penalties may apply in all other cases.

°°APY = Annual Percentage Yield. The minimum balance to earn APY is based on a 30-day month. Fees could reduce earnings on the account. Rates on Savings and Checking accounts may change after the account is opened. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services.

Membership eligibility requirements apply.