Promotions

Membership eligibility requirements apply. Rates subject to change without notice. All promotional offers can be withdrawn at any time and are subject to change without notice. Employees, volunteers, and affiliates of Jovia and their immediate families are not eligible. Jovia and its agencies assume no responsibility or liability for damages, losses or injury resulting from acceptance or use of any gift. Existing accounts and submitted applications do not qualify for promotional offers.

APY=Annual Percentage Yield.

¹ Offer available for new and existing Jovia members from October 1, 2020 through December 31, 2023. All loans are subject to credit approval. Refinances not eligible. Members will receive gift cards electronically at email address provided 30 days after closing. Gift card is limited to one per loan application while supplies last. Loan must close by March 31, 2024 to be eligible. Existing loan applications submitted prior to the promotional period do not qualify. The Home Depot is a registered trademark of Homer TLC, Inc.

² Offer valid from March 1, 2023, through March 31, 2023. Available to Jovia members who refer a friend or family member to join the credit union as a new member who open a Go Green, CareFree, or Green Light Checking account with a minimum initial deposit of $100. $100 minimum initial deposit must be met within two weeks of account opening and must remain in account for 90 days. Cash bonus will post automatically to the members’ checking or share account when requirements are met. Cash bonus for opening account will be reported as income on IRS form 1099-INT.

³ Offer available for new, first-time Go Green and CareFree Checking accounts with a reoccurring minimum direct deposit of $100 in the checking account within 60 days of account opening. Cash bonus will post automatically to the members’ checking account 30 days after requirements are met and will be reported as income on IRS form 1099-INT.

^{^}Jovia does not charge closing costs on the no-closing cost option, member responsible for certain mortgage settlement costs.

^*Must meet account qualifications to earn bonus interest rate (APY) and ATM fee reimbursements. Free first order of checks for new accounts only.

^∆ Early Direct Deposit of regular periodic payments (such as salary, pension, or government benefits) may be available to you up to 2 days earlier than the payer’s scheduled payment date. This feature depends on timing of the payer’s submission of ACH deposits so it may not always arrive early as it depends on the timing of your payer’s payment instructions. Certain non-payroll and tax payments are not eligible for early direct deposit.