Personal Account Rates
Effective as of
Go Green Checking1
Balance | APY | Rate | Minimum to Earn APY |
|---|---|---|---|
| Balances ≤ $25,000.00 | 5.00% | 4.89% | $5.00 |
| Balances ≥ $25,000.01 | 0.10% | 0.10% | $25,000.01 |
Carefree Checking2
Name | APY | Rate | Minimum to Earn APY |
|---|---|---|---|
| Carefree Checking | N/A | N/A | N/A |
General Savings
Type | APY | Rate | Minimum to Earn APY |
|---|---|---|---|
| Share Savings∓ | 0.10% | 0.10% | $131.00 |
| Special Purpose Savings^^ | 0.10% | 0.10% | $60.23 |
| Tuition Builder^ | 1.10% | 1.08% | $32.50 |
| Online Savings* | 3.20% | 3.15% | $10.50 |
Student Savers3
Balance | APY | Rate | Minimum to Earn APY |
|---|---|---|---|
| Balances ≤ $3,000.00 | 5.00% | 4.89% | $5.00 |
| Balances ≥ $3,000.01 | 0.10% | 0.10% | $5.00 |
Youth Savings
Name | APY | Rate | Minimum to Earn APY |
|---|---|---|---|
| Youth Savings Account• | 1.01% | 1.00% | $5.89 |
Money Market4
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 | 0.40% | 0.40% | $50,000.00 |
| $100,000 to $249,999 | 0.55% | 0.55% | $100,000.00 |
| $250,000 to $999,999 | 0.75% | 0.75% | $250,000.00 |
| Over $1,000,000 | 1.00% | 1.00% | $1,000,000.00 |
Premier Money Market5
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 |
Certificates6
Term | APY | Rate | Minimum to Open |
|---|---|---|---|
| 3-Month | 1.00% | 0.98% | $100.00 |
| 6-Month | 1.00% | 0.98% | $100.00 |
| 8-Month | 4.00% | 3.87% | $100.00 |
| 1-Year | 1.00% | 0.98% | $100.00 |
| 18-Month | 3.00% | 2.92% | $100.00 |
| 2-Year | 1.25% | 1.23% | $100.00 |
| 25-Month | 3.00% | 2.92% | $100.00 |
| 3-Year | 1.25% | 1.23% | $100.00 |
| 40-Month | 3.25% | 3.16% | $100.00 |
| 4-Year | 2.00% | 1.95% | $100.00 |
| 5-Year | 2.25% | 2.20% | $100.00 |
Individual Retirement Accounts7
Term | APY | Rate | Minimum to Open |
|---|---|---|---|
| 3-Month | 1.00% | 0.98% | $100.00 |
| 6-Month | 1.00% | 0.98% | $100.00 |
| 8-Month | 4.00% | 3.87% | $100.00 |
| 1-Year | 1.00% | 0.98% | $100.00 |
| 18-Month | 3.00% | 2.92% | $100.00 |
| 2-Year | 1.25% | 1.23% | $100.00 |
| 25-Month** | 3.50% | 3.39% | $100.00 |
| 3-Year | 1.25% | 1.23% | $100.00 |
| 40-Month | 3.25% | 3.16% | $100.00 |
| 4-Year | 2.00% | 1.95% | $100.00 |
| 5-Year | 2.25% | 2.20% | $100.00 |
Individual Retirement Savings8
Name | APY | Rate | Minimum to Earn APY |
|---|---|---|---|
| Liquid Saver's IRA | 0.20% | 0.20% | $70.00 |
Health Savings Account9
Balance | APY | Rate | Minimum to Earn APY |
|---|---|---|---|
| Up to $2,499.99 | 0.10% | 0.10% | $135.00 |
| $2,500.00 - $14,999.00 | 0.20% | 0.20% | $2,500.00 |
| Over $15,000.00 | 2.00% | 1.98% | $15,000.00 |
Disclosures:
APY = Annual Percentage Yield. Rates and terms are subject to change without notice.
1 Must meet account qualifications to earn APY and ATM fee reimbursements. When qualifications are met, earn 5.00% APY on balances up to $25,000 and earn 0.10% on balances over $25,000. Limited to one per member. To learn more, please refer to our Truth in Savings.
2 This checking account will not earn dividends. No minimum balance requirements apply to this account. No transaction limitations apply to this account unless otherwise stated in the Common Features section. No NSF will be charged on this account. Please see our fee schedule for fees that may apply to this account.
3 This account requires an initial deposit of $5.00. Account is limited to students ages 18-25. Student Savers account will automatically convert to a share savings when the member reaches age 26. Jovia reserves the right to ask for proof of student status. Limited to one per member.
4 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.
5 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 Business Premier Money Market Account are not eligible for an introductory rate. Only new first-time Business 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. Rates and terms are subject to change without notice. Rates may change after the account is opened.
6 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 (366-day year in a leap 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.
7 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 (366-day year in a leap year), regardless of the actual term. APY assumes all dividends remain in the certificate until maturity. Minimum balance requirements apply. No Credit Union penalties on withdrawals on IRA for normal IRA distributions. Consult a tax advisor regarding tax penalties for IRA withdrawals before age 59 ½. Penalties and fees may reduce earnings on accounts. 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.
8 Also known as IRA Savers Dividend. Fees and penalties may reduce earnings on the account. Consult with your tax advisor regarding tax deductibility. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services.
9 Jovia does not provide legal or tax advice. Before opening an HSA, you should consult your tax advisor for more information since the administration of an HSA is a taxpayer responsibility. We encourage our members to review information available from the Internal Revenue Service (IRS) for taxpayers, which can be found on the IRS website at IRS.gov. You can find IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans, and IRS Publication 502, Medical and Dental Expenses, online, or you can call the IRS to request copies at 800-829-3676
∓ Rates on Savings accounts may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services. Fees may reduce earnings on the account.
^^ Rates on Savings accounts may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account. At your request, the balance in the account will be transferred on the date of your choice to your Share Savings account with us.
^The dividend rate and annual percentage yield may change every quarter. The dividend rate for your account will be equal to the average of the past three months’ dividend rates on the 6-Month Term Certificate Account. The minimum balance required to open this account is $100. If the balance in this account drops below $100 on any day, the account will be closed and the remaining balance will be transferred to a Share Savings account.
* Rates may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account. Please refer to our fee schedule for details. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services.
• Youth Savings Account requires $5 initial deposit. Minimum balance to earn APY is based on a 30-day month. A parent, legal guardian, or an adult member of the child's family must be a joint owner on the Youth Savings Account, the Jovia Checking account, and/or Visa® Debit Card for minors under 18. Youth Savings Account will automatically convert to a Share account when the minor reaches 18 years of age.
** APY= Annual Percentage Yield. Promotional rate in effect from January 15, 2026, for a limited time only. Assumes funds remain on deposit until maturity. Subject to change without notice. $100 minimum balance to earn APY and to open an account. No Credit Union penalties on withdrawals on IRA for normal IRA distributions. Consult a tax advisor regarding tax penalties for IRA withdrawals before age 59 ½. Penalties and fees may reduce earnings on accounts. Membership eligibility requirements apply. 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.