Certificates

Invest and rest while your savings grow

Tired of riding the ups and downs of the stock market? There’s a safe and easy way to grow your money, without the risks of the market. A certificate is a great option that offers a guaranteed return on your money – that means you’ll know exactly what you’re earning, and when it comes to your money, that kind of predictability means peace of mind.

Start saving today for a brighter tomorrow by opening a Certificate Account online, or at a branch near you.

Benefits of Saving with Jovia

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Earn more interest

With a certificate, you can earn a guaranteed competitive rate on your investment regardless of the term you choose. No matter where you are in life right now, it’s never a bad time to think about the future.

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Pick a term that fits

Choose from a variety of certificate terms ranging from three months to five years.

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Open with less

Open any certificate account with as little as $100.

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Renew automatically

Set, forget, and let your savings grow with a certificate that will automatically renew at the prevailing rate when your term ends.1

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Save with confidence

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

Limited time offer

Open a new certificate. Get rewarded.

Bring your money to Jovia. Get a cash bonus* when you open a Jovia Certificate account with new money.

  • Open a certificate with $25,000 or more and get $100
  • Open a certificate with $500,000 or more and get $500
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Rates & Terms

Term

APY

Rate

Minimum to Open

3-Month 1.000% 0.982% $100.00
6-Month 1.500% 1.469% $100.00
8-Month 4.250% 4.106% $100.00
1-Year 2.500% 2.436% $100.00
15-Month Bump ¥ 4.350% 4.200% $100.00
18-Month 4.150% 4.011% $100.00
22-Month 4.400% 4.248% $100.00
2-Year 3.500% 3.394% $100.00
3-Year 3.400% 3.298% $100.00
4-Year 3.750% 3.632% $100.00
5-Year 2.750% 2.676% $100.00

Frequently asked questions

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.

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.

As your certificate maturity date approaches, we'll send you a notification including your maturity date and your options.

Upon maturity, you'll have the option to:

  • Choose a different certificate term
  • Move the money to a checking or savings account
  • Withdraw the money and deposit into a different bank
  • Let the certificate renew for the same term, at the current rate

You'll have a 7 day grace period to decide what you would like to do. However, if you choose to do nothing, your certificate will automatically renew.

Yes! Once your certificate has reached maturity, you have a 7-day grace period to make changes to your account before it automatically renews. We'll send out a form in the mail before the maturity date that can be filled out and returned with instructions for your certificate.

You can choose to close the certificate and deposit the funds or request a check with the proceeds. You can also choose to withdraw part and rollover the rest into a new product.

If you're not sure about when your certificate matures, you can always call us or visit us to leave instructions for your certificate once it matures! If you have any questions, please contact us or visit your local branch!

If the rate on your new Jovia Certificate or IRA Certificate increases within five (5) calendar days after you open your certificate account, we’ll increase your APY to meet the new, higher rate. Your certificate will earn the higher rate from the date the higher rate went into effect until the end of the certificate’s initial term.

1 If the existing term of the certificate is no longer available, it renews to the closest term that is below the current product. If account remains inactive is may be escheated. For more information, please refer to our fee schedule.

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. 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.

¥ You can bump-up your initial Term Certificate rate once during the initial term of the account to either the then-corresponding 1-year certificate rate or the 15-month certificate rate. Should you elect to bump-up your rate, you will receive that higher rate for the remainder of your 15-month term. Your original maturity date will remain the same.

* The opening balance must be with funds from another financial institution. Members opening any term certificate during the offer period with an opening balance of $25,000 - $499,999 will receive $100; Certificates with an opening balance of $500,000 or more will receive $500. Cash bonus will be credited to member share account upon account opening and will be reported as income on IRS form 1099-INT. One offer per member per business day. New funds must remain on deposit for 90 days otherwise, cash bonus will be forfeited. Offer starts November 25, 2022 and ends February 28, 2023. Offer subject to change.