Deposit Rates

Effective as of Monday, October 14, 2019

Checking

Name	Minimum Balance to earn APY	Rate	APY*
Go Green Checking	$0.01	2.960%	3.000%
Go Green Checking	$25,000.01	0.499%	0.500%

Go Green Checking
Minimum Balance to earn APY	$0.01
Rate	2.960%
APY*	3.000%

Go Green Checking
Minimum Balance to earn APY	$25,000.01
Rate	0.499%
APY*	0.500%

View Checking

Savings

Name	APY**	Minimum to Earn	Rate
Share Savings∓	0.300%	$20.28	0.300%
IRA Liquid Savings±	2.000%	$3.03	1.984%

Share Savings∓
APY**	0.300%
Minimum to Earn	$20.28
Rate	0.300%

IRA Liquid Savings±
APY**	2.000%
Minimum to Earn	$3.03
Rate	1.984%

View Savings

Youth Accounts

Name	APY**	Minimum to Open	Minimum to Earn	Rate
Dollar Dog Kids Share•	1.005%	$5.00	$20.28	1.000%
Elements Teen Share••	1.005%	$5.00	$20.28	1.000%

Dollar Dog Kids Share•
APY**	1.005%
Minimum to Open	$5.00
Minimum to Earn	$20.28
Rate	1.000%

Elements Teen Share••
APY**	1.005%
Minimum to Open	$5.00
Minimum to Earn	$20.28
Rate	1.000%

View Youth Accounts

Certificates

Rate Title	APY†	Term	Minimum to Open	Rate
3-Month	0.500%	3 Months	$1,000	0.492%
6-Month	1.100%	6 Months	$1,000	1.080%
1-Year	2.000%	12 Months	$1,000	1.954%
13-Month‡	2.100%	12 Months	$1,000	2.050%
2-Year	2.200%	24 Months	$1,000	2.147%
30-Month‡	2.450%	24 Months	$1,000	2.388%
3-Year	2.350%	36 Months	$1,000	2.292%
4-Year	2.450%	48 Months	$1,000	2.388%
5-Year	2.550%	60 Months	$1,000	2.484%

3-Month
APY†	0.500%
Term	3 Months
Minimum to Open	$1,000
Rate	0.492%

6-Month
APY†	1.100%
Term	6 Months
Minimum to Open	$1,000
Rate	1.080%

1-Year
APY†	2.000%
Term	12 Months
Minimum to Open	$1,000
Rate	1.954%

13-Month‡
APY†	2.100%
Term	12 Months
Minimum to Open	$1,000
Rate	2.050%

2-Year
APY†	2.200%
Term	24 Months
Minimum to Open	$1,000
Rate	2.147%

30-Month‡
APY†	2.450%
Term	24 Months
Minimum to Open	$1,000
Rate	2.388%

3-Year
APY†	2.350%
Term	36 Months
Minimum to Open	$1,000
Rate	2.292%

4-Year
APY†	2.450%
Term	48 Months
Minimum to Open	$1,000
Rate	2.388%

5-Year
APY†	2.550%
Term	60 Months
Minimum to Open	$1,000
Rate	2.484%

View Certificates

Money Market

Title	APY°°	Minimum to Earn	Rate
Balances up to $25,000	0.500%	$2,500	0.499%
Balances over $25,000	1.750%	$25,000	1.735%

Balances up to $25,000
APY°°	0.500%
Minimum to Earn	$2,500
Rate	0.499%

Balances over $25,000
APY°°	1.750%
Minimum to Earn	$25,000
Rate	1.735%

View Money Market

Individual Retirement Accounts

Rate Title	APY◊	Term	Minimum to Open	Rate
3-Month	0.500%	3 Months	$500	0.492%
6-Month	1.100%	6 Months	$500	1.080%
1-Year	2.000%	12 Months	$500	1.954%
13-Month◊◊	2.100%	12 Months	$500	2.050%
2-Year	2.200%	24 Months	$500	2.147%
30-Month◊◊	2.450%	24 Months	$500	2.388%
3-Year	2.350%	36 Months	$500	2.292%
4-Year	2.450%	48 Months	$500	2.388%
5-Year	2.550%	60 Months	$500	2.484%

3-Month
APY◊	0.500%
Term	3 Months
Minimum to Open	$500
Rate	0.492%

6-Month
APY◊	1.100%
Term	6 Months
Minimum to Open	$500
Rate	1.080%

1-Year
APY◊	2.000%
Term	12 Months
Minimum to Open	$500
Rate	1.954%

13-Month◊◊
APY◊	2.100%
Term	12 Months
Minimum to Open	$500
Rate	2.050%

2-Year
APY◊	2.200%
Term	24 Months
Minimum to Open	$500
Rate	2.147%

30-Month◊◊
APY◊	2.450%
Term	24 Months
Minimum to Open	$500
Rate	2.388%

3-Year
APY◊	2.350%
Term	36 Months
Minimum to Open	$500
Rate	2.292%

4-Year
APY◊	2.450%
Term	48 Months
Minimum to Open	$500
Rate	2.388%

5-Year
APY◊	2.550%
Term	60 Months
Minimum to Open	$500
Rate	2.484%

View Individual Retirement Accounts

Disclosures:

^* APY = Annual Percentage Yield. 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 0.50% on balances over $25,000. Limited to one per member. Rates and terms are subject to change without notice.

^∓ APY = Annual Percentage Yield. 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.

^± APY = Annual Percentage Yield. Minimum to earn APY is $3.03. Rates subject to change without notice. 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.

^°° APY = Annual Percentage Yield. 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.

^† APY = Annual Percentage Yield. Rates are accurate as of 9/23/2019 and 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 accurate as of 9/23/2019 and 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 13-month and 30-month Consumer CD for tuition and home purchases only. Ask for details.

^** APY = Annual Percentage Yield. Must meet account qualifications to earn APY. Rates and terms are subject to change without notice.

^• 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.

^◊ APY = Annual Percentage Yield. Assumes funds remain on deposit for a full year. Dividend rates on savings and checking accounts may change after the account is opened. On Certificates, a penalty may apply for early withdrawals; rate is subject to change without notice; fees could reduce earnings on the account. Contact Jovia Financial Credit Union for complete details.

^◊^◊ APY=Annual Percentage Yield. Assumes funds remain on deposit until maturity. Subject to change without notice. Minimum balance requirements apply. No Credit Union penalties on withdrawals on 13-month and 30-month 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.