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

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.
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
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!
Save with confidence
Rest easy knowing your savings are fully insured up to $250,000 by the NCUA.
Rates & Tiers
Balance | APY°° | Rate | 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).