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

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.

Pick a term that fits

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

Open with less

Open any certificate account with as little as $100.

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

Save with confidence

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

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 0.394% 0.400%
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%
Frequently asked questions
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.

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 do I stop my certificate from automatically renewing?

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.

When my certificate matures, is there a grace period to make any changes?

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!

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.