Jovia Financial rates: up to 5.00% APY
credit union · NCUA CHARTER 2760 · www.jovia.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| General Savings | Tuition Builder^ | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| General Savings | Tuition Builder^ | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account 9 | Up to $2,499.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account 9 | Up to $2,499.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account 9 | $2,500.00 - $14,999.00 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account 9 | $2,500.00 - $14,999.00 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account 9 | Over $15,000.00 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account 9 | Over $15,000.00 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Liquid Saver's IRA | 0.20% | APY | 2026-11-01 | since 2026-11-01 | ||
| Liquid Saver's IRA | 0.20% | APY | 2026-11-01 | since 2026-11-01 | ||
| Online Savings | 3.20% | APY | 2026-11-01 | since 2026-11-01 | ||
| Online Savings | 3.20% | APY | 2026-11-01 | since 2026-11-01 | ||
| Share Savings∓ | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Share Savings∓ | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Special Purpose Savings^^ | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Special Purpose Savings^^ | 0.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Student Savers 3 | Balances ≤ $3,000.00 | 5.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Student Savers 3 | Balances ≤ $3,000.00 | 5.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Student Savers 3 | Balances ≥ $3,000.01 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Student Savers 3 | Balances ≥ $3,000.01 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Savings Account• | 1.01% | APY | 2026-11-01 | since 2026-11-01 | ||
| Youth Savings Account• | 1.01% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificates 6 | 3-Month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 3-Month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 3-Month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 3-Month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 6-Month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 6-Month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 6-Month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 6-Month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 8-Month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 8-Month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 8-Month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 8-Month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 1-Year | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 1-Year | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 1-Year | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 1-Year | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 18-Month | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 18-Month | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 18-Month | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 18-Month | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 2-Year | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 2-Year | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 2-Year | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 2-Year | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 25-Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 25-Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 25-Month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 25-Month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 3-Year | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 3-Year | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 3-Year | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 3-Year | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 40-Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 40-Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 40-Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 40-Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 4-Year | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 4-Year | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 4-Year | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 4-Year | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 5-Year | 2.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates 6 | 5-Year | 2.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 5-Year | 2.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Accounts 7 | 5-Year | 2.25% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market 4 | $2,500 to $24,999 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market 4 | $2,500 to $24,999 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market 4 | $25,000 to $49,999 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market 4 | $25,000 to $49,999 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market 4 | $50,000 to $99,999 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market 4 | $50,000 to $99,999 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market 4 | $100,000 to $249,999 | 0.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market 4 | $100,000 to $249,999 | 0.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market 4 | $250,000 to $999,999 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market 4 | $250,000 to $999,999 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market 4 | Over $1,000,000 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market 4 | Over $1,000,000 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market 5 | $50,000 to $99,999 | 2.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market 5 | $50,000 to $99,999 | 2.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market 5 | $100,000 to $249,999 | 2.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market 5 | $100,000 to $249,999 | 2.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market 5 | $250,000 to $999,999 | 2.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market 5 | $250,000 to $999,999 | 2.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market 5 | Over $1,000,000 | 3.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market 5 | Over $1,000,000 | 3.55% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Go Green Checking 1 | Balances ≤ $25,000.00 | 5.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Go Green Checking 1 | Balances ≤ $25,000.00 | 5.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Go Green Checking 1 | Balances ≥ $25,000.01 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Go Green Checking 1 | Balances ≥ $25,000.01 | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.jovia.org/personal-banking/spend-save/certificates | — | extract-failed | |
| www.jovia.org/rates/deposit-rates | 2026-11-01 14:52 UTC | ok | 568e150b2b50 |
| www.jovia.org/rates/personal-account-rates | 2026-11-01 14:52 UTC | ok | 568e150b2b50 |