Promotions

Offers that make banking brighter

We know you work hard for your money, so why not let your money work a little harder for you? With our current promotions, you’ll get to enjoy brighter banking and a whole lot more.

Check out these special offers to see how the advantages of Jovia membership goes beyond just banking.

Ride the wave with Jovia's Splash into Cash Giveaway!

Open a Jovia account between July 1st, 2022, and August 31st, 2022, and you’ll be entered to win up to $2,5005.

The dog days of summer are here, but don't sweat it! Jovia can help you save more, earn more, and win more while chillin' by the pool and soaking up the summer sun. Splash into banking on the bright side and open an account today.

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Earn a $250 Home Depot® Gift Card when you purchase a new home with a mortgage from Jovia.1 Apply for a mortgage by December 31, 2022 and close by March 31, 2023 to be eligible for this offer!1

  • Apply online in 15 minutes or less
  • No closing cost options^
  • First-time homebuyer programs
  • Learn more about our mortgage options here

Apply Now
The gift that keeps on giving.

Share the gift of Jovia with friends and family, when they join and open a Jovia checking account with a minimum of $100, you’ll each get $50.2

  • Share access to great credit union benefits like lower rates on loans, higher earnings on deposits, and free online and mobile banking service
  • Access cash fee-free at over 55,000 ATMs


Find the checking account that's right for you
Checking that works for you.

Open a first-time Jovia checking account with direct deposit of $100 and get a $150 cash bonus.3

  • No minimum balance required
  • No monthly maintenance fees
  • Get paid up to two days early with direct deposit

Open Account
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Start them off saving!

Open any first-time youth account with $100 and receive a $25 Amazon Gift Card.4 Schedule an appointment to open your account in a branch.

  • Earn 1% APY on your entire balance
  • Two great programs that teach kids how to manage money through age-appropriate tools

Schedule an Appointment
Learn more about our youth accounts

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 All promotional offers can be withdrawn at any time and are subject to change without notice.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, 2022. 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, 2023 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 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.

4 Offer is available for new first-time youth accounts. $100 minimum initial deposit is required and must remain in the account for 90 days. Gift is limited to one per member and will be provided at time of account funding when balance requirement is met, while supplies last. Amazon.com is not a sponsor of this program. Restrictions apply. For complete gift card terms and conditions, see www.amazon.com/gc-legal. All Amazon ®, TM & © are IP of Amazon.com. Inc. or its affiliates. Visit jovia.org for complete details.

5 Click here to view official rules. Prize will be reported on IRS Form 1099-MISC.

^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.

** Prize will be reported on IRS Form 1099-MISC.