Deposit Rates

Effective as of

Go Green Checking1

Balance

APY

Rate

Minimum to Earn APY

Balances ≤ $25,000.00 3.500% 3.446% $5.00
Balances ≥ $25,000.01 0.100% 0.100% $25,000.01

Carefree Checking2

Name

APY

Rate

Minimum to Earn

Carefree Checking N/A N/A N/A

General Savings

Type

APY

Rate

Minimum to Earn APY

Share Savings∓ 0.100% 0.100% $131.00
Special Purpose Savings^^ 0.100% 0.100% $60.23
Tuition Builder^ 4.857% 4.664% $9.90
Online Savings* 5.000% 4.889% $5.00

Student Savers3

Balance

APY

Rate

Minimum to Earn APY

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

Youth Savings

Name

APY

Rate

Minimum to Earn APY

Dollar Dog Kids Account 1.005% 1.000% $5.89
Elements Teen Account•• 1.005% 1.000% $5.89

Money Market4

Balance

APY

Rate

Minimum to Earn APY

Up to $24,999 0.750% 0.750% $2,500.00
$25,000 to $49,999 1.000% 1.000% $25,000.00
$50,000 to $99,999 1.250% 1.250% $50,000.00
$100,000 to $249,999 2.000% 1.982% $100,000.00
$250,000 to $999,999 2.100% 2.081% $250,000.00
$1,000,000 to $4,999,999 2.250% 2.228% $1,000,000.00
Over $5,000,000 2.500% 2.472% $5,000,000.00

Certificates5

Term

APY

Rate

Minimum to Open

3-Month 2.000% 1.954% $100.00
6-Month 4.000% 3.869% $100.00
8-Month 5.000% 4.813% $100.00
1-Year 2.000% 1.954% $100.00
13-Month 4.750% 4.578% $100.00
18-Month 4.100% 3.964% $100.00
2-Year 3.000% 2.916% $100.00
25-Month 4.500% 4.342% $100.00
3-Year 3.250% 3.156% $100.00
4-Year 3.500% 3.394% $100.00
5-Year 3.250% 3.156% $100.00

Individual Retirement Accounts6

Term

APY

Rate

Minimum to Open

3-Month 2.000% 1.954% $100.00
6-Month 4.000% 3.869% $100.00
8-Month 5.000% 4.813% $100.00
1-Year 2.000% 1.954% $100.00
13-Month 4.750% 4.578% $100.00
18-Month 4.100% 3.964% $100.00
2-Year 3.000% 2.916% $100.00
25-Month 4.500% 4.342% $100.00
3-Year 3.250% 3.156% $100.00
4-Year 4.000% 3.869% $100.00
5-Year 3.250% 3.156% $100.00

Individual Retirement Savings7

Name

APY

Rate

Minimum to Earn APY

Liquid Saver's IRA 0.200% 0.200% $70.00

Health Savings Account8

Balance

APY

Rate

Minimum to Earn APY

Balances ≤ $2,499.99 0.100% 0.100% $60.23
Balances ≥ $2,500.00 0.200% 0.200% $2,500.00

Disclosures:

APY = Annual Percentage Yield. Rates and terms are subject to change without notice.

1 Must meet account qualifications to earn APY and ATM fee reimbursements. When qualifications are met, earn 3.50% APY on balances up to $25,000 and earn 0.10% on balances over $25,000. Limited to one per member. To learn more, please refer to our account qualifications.

2 This checking account will not earn interest. No minimum balance requirements apply to this account. No transaction limitations apply to this account unless otherwise stated in the Common Features section. No NSF will be charged on this account. Please see our fee schedule for fees that may apply to this account.

3 This account requires an initial deposit of $5.00. Account is limited to students ages 18-25. 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.

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

5 APY measures the total amount of dividends a credit union pays on an account based on the dividend rate and the frequency of compounding. APY is expressed as an annualized rate, based on a 365-day year (366-day year in a leap year), regardless of the actual term. APY assumes all dividends remain in the certificate until maturity. Withdrawals will reduce earnings. Fees could also reduce earnings. Penalties may be imposed for early withdrawal. Penalty-free withdrawals for tuition and home purchases only. Ask for details. If the certificate rate increases within (5) five calendar days of the account opening, your certificate will earn the higher rate from the date the higher rate went into effect until the certificate’s maturity date. Only once may your rate increase. The dividend rate and annual percentage yield may increase. At renewal, your certificate will earn the rate on the day of maturity regardless of any future rate change.

6 APY measures the total amount of dividends a credit union pays on an account based on the dividend rate and the frequency of compounding. APY is expressed as an annualized rate, based on a 365-day year (366-day year in a leap year), regardless of the actual term. APY assumes all dividends remain in the certificate until maturity. Minimum balance requirements apply. No Credit Union penalties on withdrawals on IRA for normal IRA distributions. Consult a tax advisor regarding tax penalties for IRA withdrawals before age 59 ½. Penalties and fees may reduce earnings on accounts. Ask for details. If the certificate rate increases within (5) five calendar days of the account opening, your certificate will earn the higher rate from the date the higher rate went into effect until the certificate’s maturity date. Only once may your rate increase. The dividend rate and annual percentage yield may increase. At renewal, your certificate will earn the rate on the day of maturity regardless of any future rate change.

7 Also known as IRA Savers Dividend. Fees and penalties may reduce earnings on the account. Consult with your tax advisor regarding tax deductibility. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services.

8 Jovia does not provide legal or tax advice. Before opening an HSA, you should consult your tax advisor for more information since the administration of an HSA is a taxpayer responsibility. We encourage our members to review information available from the Internal Revenue Service (IRS) for taxpayers, which can be found on the IRS website at IRS.gov. You can find IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans, and IRS Publication 502, Medical and Dental Expenses, online, or you can call the IRS to request copies at 800-829-3676

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 for your 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.

* Rates 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. Please refer to our fee schedule for details. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services.

Dollar Dog account requires a $5 initial deposit. Dollar Dog is a registered trademark of Marketing Partners. A parent, legal guardian, or an adult member of the child's family must be a joint owner on the Dollar Dog Savings account, the Jovia Free Checking account and/or Visa® Debit Card for teens under the age of 17.

•• Elements Teen Savings account requires a $5 initial deposit. Minimum balance to earn APY is based on a 30-day month.