Jovia’s 11-Month Certificate Offer
Give Your Savings the Glow-Up it Deserves!
At Jovia, we’re all about making banking brighter! That’s why, when you open an 11-Month Certificate with new money, you’ll let your savings glow and grow with 4.00% APY*. Bring in new money++ and lock in this limited-time offer. With Jovia’s 5-day rate guarantee, penalty-free withdrawal for home purchases or tuition++, and automatic renewals1, it’s the perfect way to keep your savings feeling brand new!
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* APY= Annual Percentage Yield.
++ Opening balance must be $100 or more and must be New Money. New money is defined as deposits from another institution not previously held by any accounts at Jovia Financial Credit Union. If funds are sent from an existing Jovia account, they will be transferred back to the originating account. Rates are subject to change without notice. APY measures the total amount of dividends a credit union pays on an account based on the dividend rate and the frequency of compounding. APY is expressed as an annualized rate, based on a 365-day year (366-day year in a leap year), regardless of the actual term. APY assumes all dividends remain in the certificate until maturity. Withdrawals will reduce earnings. Penalties may be imposed for early withdrawal. Penalty-free withdrawals for tuition and home purchases only. Penalties are not waived for IRA certificates for tuition and home purchases. No Credit Union penalties on withdrawals on 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. If the certificate rate increases within (5) five calendar days of the account opening, your certificate will earn the higher rate from the date the higher rate went into effect until the certificate’s maturity date. Only once may your rate increase. The dividend rate and annual percentage yield may increase. At renewal, your certificate will earn the rate on the day of maturity regardless of any future rate change. This certificate will automatically renew at maturity to our basic 6-month Term Certificate. Credit union Penalties are not applicable on CESA accounts for tuition purchases.
1 If the existing term of the certificate is no longer available, it renews to the closest term that is below the current product. If account remains inactive it may be escheated. For more information, please refer to our fee schedule.
Membership eligibility requirements apply.