Money Market

Rates that grow with you

Feel like you should be rewarded for growing your savings? We do, too. That's why, our money market account has a tiered-rate structure, so you can earn a higher APY, depending on how much you have.

Our money market account also allows you to withdraw from your account without a fee.1 So, you can grow your savings safely while ensuring you can still access your funds easily if you ever need to dig into your rainy-day fund.

Benefits of Saving with Jovia

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Earn more interest

With a money market account, the earning interest rate will increase as your balance does. So, the more you save, the more you earn.

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Withdraw without a fee

You can transfer and withdraw funds from your Money Market accounts up to six times a month for free in the event you need to tap into your savings!1

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Cut the pesky fees

You don't have to worry about paying a custodial or maintenance fee with a Jovia money market account, because there aren't any!

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Save with confidence

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

Rates & Tiers




Minimum to Earn

Up to $24,999 0.75% 0.75% $2,500.00
$25,000 to $49,999 1.00% 1.00% $25,000.00
$50,000 to $99,999 1.25% 1.25% $50,000.00
$100,000 to $249,999 2.00% 1.98% $100,000.00
$250,000 to $999,999 2.10% 2.08% $250,000.00
$1,000,000 to $4,999,999 2.25% 2.23% $1,000,000.00
Over $5,000,000 2.50% 2.47% $5,000,000.00

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 government-imposed 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).

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.

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.

°° 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.