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

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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.

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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.

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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.

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Save with confidence

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

Share Savings Account

Unlock your savings potential!

With a Share Savings Account, you'll earn a competitive interest rate, enjoy no monthly maintenance fee, and unlock all the benefits of being a credit union member, like low rates and higher earnings on deposits!

No Fees Illustration

Share Savings Rate




Minimum to Earn

Share Savings∓ 0.100% 0.100% $131.00

Special Purpose Savings Account

Saving for something special?

Looking to save for something large or small, like a wedding, your dream car, or a relaxing, much-needed weekend getaway? Jovia’s Special Purpose Saving Account can help simplify saving with automatic recurring deposits and specific payout dates. So you can set and reach your savings goals.

Special Purpose Savings Rate




Minimum to Earn

Special Purpose Savings^^ 0.100% 0.100% $60.23

Student Savers Account

Start your financial journey on the right foot!

If you’re a student between the ages of 18 and 25 and you’re looking to begin your financial independence journey, our Student Savers Account is a great place to start. You’ll be able to give your savings a boost by earning 5.00% APY3 on balances up to $3,000. How cool is that? Open a Student Savers Account with as little as $5 and watch your savings grow.

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Student Savers Rates




Minimum to Earn

Balances ≤ $3,000.00 5.000% 4.889% $5.00
Balances ≥ $3,000.01 0.100% 0.100% $5.00

Tuition Builder Account

Save more for education!

Ready to start saving for educational expenses? Jovia's Tuition Builder Account has a low minimum balance of $100 and earns a competitive rate. It's a fantastic way to put away money for educational expenses and watch it grow.

Tuition Builder Rate




Minimum to Earn

Tuition Builder^ 4.000% 3.869% $10.75

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.

Find an ATM

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!

Absolutely! You can make cash deposits at any of our ATM's located at your nearest branch using your Visa debit card with immediate availability. Third party ATM's located within our all point network or shared branch locations do not offer the ability for cash or check deposit.

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
A fee may apply depending on the transaction.

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.

Find a Shared Branch


Ready to start saving?

The importance of saving money for your future and the basic knowledge of how savings accounts work may be well known but navigating where to begin and how to stay on track can be hard. That's why we're here to help! We've created a series of articles to guide you on how to get started and build good saving habits to help you lead in life.

APY = Annual Percentage Yield. Subject to change without notice.

*Membership eligibility requirements apply.

Rates on Savings accounts may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services. Fees may reduce earnings on the account.

^^ Rates on Savings accounts may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account. At your request, the balance in the account will be transferred on the date of your choice to your Share Savings account with us.

^The dividend rate and annual percentage yield may change every quarter. The dividend rate on the account will be equal to the average of the past three months’ dividend rates on the 6-Month Term Certificate Account. The minimum balance required to open this account is $100. If the balance in this account drops below $100 on any day, the account will be closed and the remaining balance will be transferred to a Share Savings account.

3 This account requires an initial deposit of $5.00. Account is limited to students ages 18-25. Must enroll in paperless statements to meet account qualifications to earn APY. Student Savers account will automatically convert to a share savings when the member reaches age 26. Jovia reserves the right to ask for proof of student status. Limited to one per member.

Excess Savings Transaction fee is a Federal Reserve regulation that limits monthly withdrawals from savings accounts. Withdrawing/transferring from savings more than 6 times in one month will result in a fee.