Deposit Rates

Effective as of Thursday, December 8, 2022

Go Green Checking1

Balance

APY

Rate

Minimum to Earn APY

Balances ≤ $25,000.00 3.000% 2.960% $0.01
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

Greenlight Checking3

Name

APY

Rate

Minimum to Earn APY

Green Light Checking N/A N/A N/A

General Savings

Type

APY

Rate

Minimum to Earn APY

Share Savings∓ 0.100% 0.100% $60.23
Special Purpose Savings^^ 0.100% 0.100% $60.23
Tuition Builder^ 0.570% 0.560% $15.29
Online Savings* 3.100% 3.057% $2.30

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 1.700% 1.700% $100,000.00
$250,000 to $999,999 1.750% 1.750% $250,000.00
$1,000,000 to $4,999,999 2.000% 2.000% $1,000,000.00
Over $5,000,000 2.250% 2.250% $5,000,000.00

Certificates5

Term

APY

Rate

Minimum to Open

3-Month 1.000% 0.982% $100.00
6-Month 1.500% 1.469% $100.00
8-Month 4.100% 3.964% $100.00
1-Year 2.250% 2.195% $100.00
15-Month Bump ¥ 4.200% 4.059% $100.00
18-Month 4.150% 4.011% $100.00
22-Month 4.250% 4.106% $100.00
2-Year 3.250% 3.155% $100.00
3-Year 2.750% 2.676% $100.00
4-Year 3.500% 3.394% $100.00
5-Year 2.750% 2.676% $100.00

Individual Retirement Accounts6

Term

APY

Rate

Minimum to Open

3-Month 1.000% 0.982% $100.00
6-Month 1.500% 1.469% $100.00
8-Month 4.100% 3.964% $100.00
1-Year 2.250% 2.195% $100.00
15-Month Bump ¥ 4.200% 4.059% $100.00
18-Month 4.150% 4.011% $100.00
22-Month 4.250% 4.106% $100.00
2-Year 3.250% 3.155% $100.00
3-Year 2.750% 2.676% $100.00
4-Year 3.500% 3.394% $100.00
5-Year 3.000% 2.916% $100.00

Individual Retirement Savings7

Name

APY

Rate

Minimum to Earn APY

Liquid Saver's IRA 0.200% 0.200% $30.12

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 3.00% 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 To open this account, you must currently not be eligible for either a CareFree Checking Account or a Go Green Checking Account. The minimum required to open this account is $25.00. No minimum balance requirements to maintain this account. This account will not earn dividends. Please see our fee schedule for fees that may apply to this account.

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 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.

6 APY assumes funds remain on deposit 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.

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.

* New money only. Rates on Online 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. Excess Savings Transaction fee is a Federal Reserve regulation that limits monthly withdrawals from savings accounts. Withdrawing/transferring from an Online Savings account more than six (6) times in one month will result in a fee. Other fees may apply to this account. Please refer to our fee schedule for details. This account is an online-only account. No transactions can be completed on an Online Savings account in a Jovia branch or shared branch location. Use Jovia’s Virtual Branch, Online or Mobile Banking, and Jovia or Allpoint ATMs to make fee-free transactions. This account requires member to select paperless statements for this account as well as all your existing accounts.

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.

¥ You can bump-up your initial Term Certificate rate once during the initial term of the account to either the then-corresponding 1-year certificate rate or the 15-month certificate rate. Should you elect to bump-up your rate, you will receive that higher rate for the remainder of your 15-month term. Your original maturity date will remain the same.