Savings Accounts
It's smart and simple
We know putting cash away for a rainy day isn’t always easy. But with a Jovia Savings Account, you can get going with as little as $5. It’s easy to open, offers a great rate, and gives you access to all the advantages of Jovia membership, too.

Low Minimums
Jovia Savings Accounts are a smart and simple way to get started and makes saving easy. Setting aside even a little each month can make a big difference down the road. That’s why the required amount to open is $5 (that’s a cup of coffee these days!). Plus, while you’re busy saving, your money is busy earning interest.
Flexible Options
Saving for something special? We can help! Our special purpose savings accounts provide a structured way for you to put money aside for those fun times such as holiday gifts, vacations or summer camps.
Competitive Rates
We offer some of the most competitive rates on Long Island.
Local Convenience
You can access your funds at over 55,000 fee-free ATMs nationwide or manage your savings through our online and mobile banking tools, available 24/7.

Featured Rate
Share Savings∓
0.100%
APY∓
$60.23
Minimum Balance to Earn
0.100%
Rate
Open your Jovia Savings account today.
It’s a smart and simple way to get started and makes saving easy. Setting aside even a little each month can make a big difference down the road. Plus, while you’re busy saving, your money is busy earning interest.
The FDIC is the Federal Deposit Insurance Corporation and it is the corporation created by the United States government to provide deposit insurance to depositors in U.S. commercial banks and savings institutions. However, the credit union is insured by a similar institution known as the NCUA or the National Credit Union Administration, providing deposit insurance to depositors in all U.S. federal credit unions.
The NCUA manages the NCUIF or National Credit Union Insurance Fund which insures up to $250,000 per account title. The NCUIF insures up to $250,000 for single ownership accounts, up to $250,000 for your accounts with a beneficiary, etc. For more information on your coverage click here.
Special Purpose Savings is a great way to save for a specific goal. You can tap into the funds in your Special Purpose Savings and transfer to your savings or checking account whenever you need to. If you would like to set up a yearly transfer on a specific date, you can do that too! Just complete the Special Account Payout Request Form and we will make sure your payout is in your designated account on the date you select.
Withdrawing/transferring from savings more than six (6) times in one month will result in an Excess Savings Transaction fee.
Yes. Unlike banks, credit unions share their branches with other credit unions to provide added convenience for all members. You can perform most teller transactions at more than 5,000 Shared Service Center locations nationwide.
Savings and Money Market accounts are designed to help you save money and as such, are subject to government-imposed transaction limits, or the excess savings transaction limit (excess withdrawal transaction limit). Exceeding those transaction limits will result in a fee.
To help save you money and ensure you avoid these fees, our Bill Pay service will only access your checking account(s).