Savings Accounts
Put your money where your community is
We know putting money away for a rainy day can be a challenge, but with a Jovia savings account, you can establish your credit union membership and start growing your savings with as little as $5.
Our personal savings accounts are easy to open, offer a competitive interest rate, and give you access to all the advantages that come with credit union membership.
Benefits of saving with Jovia
Start saving with $5
All that's required to open an account* and start saving is $5 (that’s the cost of a cup of coffee these days!). Plus, while you’re busy saving, your money is busy earning interest.
Save toward goals
Set up a special purpose savings account to save for something special, like holiday gifts, summer camp, or a much-needed vacation with automatic recurring deposits, and specific payout dates.
Access cash anywhere
Enjoy fee-free cash withdrawals from your savings account at 55,000+ Allpoint® Network ATMs worldwide, as well as unlimited account access at our branch locations on Long Island.
Save with confidence
Rest easy knowing your savings are fully insured up to $250,000 by the NCUA.

Current Rates
Type | APY | Rate | Minimum to Earn |
---|---|---|---|
Share Savings∓ | 0.100% | 0.100% | $60.23 |
Special Purpose Savings^^ | 0.100% | 0.100% | $60.23 |
Tuition Builder^ | 3.976% | 3.852% | $9.90 |
Frequently Asked Questions
The FDIC is the Federal Deposit Insurance Corporation and it is an agency created by the United States government to provide deposit insurance to depositors in U.S. commercial banks and savings institutions. However, the credit union is insured by a similar institution known as the NCUA or the National Credit Union Administration, providing deposit insurance to depositors in all U.S. federal credit unions.
The NCUA manages the NCUIF or National Credit Union Insurance Fund which insures up to $250,000 per account title. The NCUIF insures up to $250,000 for single ownership accounts, up to $250,000 for your accounts with a beneficiary, etc. For more information on your coverage click here.
There are thousands of locations where you can access your money surcharge-free. Get or deposit cash at any of our credit union ATMs or at thousands of Allpoint® ATM's nationwide.
Plus, if you have a Go Green Checking Account and meet the account requirements, we'll reimburse you up to $20 per month for any out-of-network ATM fees you may incur!
Special Purpose Savings is a great way to save for a specific goal. You can tap into the funds in your Special Purpose Savings and transfer to your savings or checking account whenever you need to. If you would like to set up a yearly transfer on a specific date, you can do that too! Just complete the Special Account Payout Request Form and we will make sure your payout is in your designated account on the date you select.
Withdrawing/transferring from savings more than six (6) times in one month will result in an Excess Savings Transaction fee.
Yes. Simply log on to online banking and follow these three simple steps:
- Navigate to Move Money from the menu
- Choose External Transfer
- Select Transfer Between My Accounts
Yes. Unlike banks, credit unions share their branches with other credit unions to provide added convenience for all members. You can perform most teller transactions at more than 5,000 Shared Service Center locations nationwide.