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.

Benefits of Saving with Jovia
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!
Higher Earnings
Flexible Terms
Automatic Renewals
Featured Rates
4-Year
0.750%
APY†
$1,000
Minimum to Open
5-Year
0.850%
APY†
$1,000
Minimum to Open
FAQs
A Certificate of Deposit, also known as a Term Certificate, is a short or long-term investment vehicle that offers you safety, security and a guaranteed high yield!
An IRA (Individual Retirement Account) Certificate of Deposit works in the same way but allows eligible participants to set aside money for retirement. Speak to your tax advisor regarding your eligibility.