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Certificates

Grow your money safely

Tired of riding the ups and downs of the stock market roller coaster? Jovia has a healthy and safe way to grow your money, without the scary fluctuations of the market. A Jovia Certificate account is a great investment vehicle, for the short or long-term, that offers you safety, security and a guaranteed high yield.

Higher Earnings

Virtually nothing beats a Jovia Certificate account for a short or long-term investment vehicle that offers you safety, security, and a guaranteed high yield. No matter where you are in life right now, it’s never a bad time to think about the future.

Flexible Terms

Depending on your investment horizon, we can offer you flexible terms from three months to five years.

Automatic Renewals

We know life can get in the way. That’s why we make it convenient for you to keep saving. When your first term ends, unless you want to move, your certificate will automatically renew at the prevailing rate so you can keep on earning!

Featured Rates

18-Month‡

Minimum Term

2.100%

APY†

12 Months

Renewal Term

$1,000

Minimum to Open

2.050%

Rate

30-Month‡

Minimum Term

2.300%

APY†

24 Months

Renewal Term

$1,000

Minimum to Open

2.243%

Rate

3-Year

Minimum Term

2.100%

APY†

36 Months

Renewal Term

$1,000

Minimum to Open

2.050%

Rate

5-Year

Minimum Term

2.300%

APY†

60 Months

Renewal Term

$1,000

Minimum to Open

2.243%

Rate

Disclosures:

APY = Annual Percentage Yield. Rates are subject to change without notice. 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. Ask for details.

APY = Annual Percentage Yield. Rates are subject to change without notice. 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 on 18-month and 30-month Consumer CD for tuition and home purchases only. Ask for details.