Credit union · NCUA insured
Jovia Credit Union CD Rates
Top CarrotJovia Credit Union’s best CD rate is 4.00% APY on an 8-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Jovia Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Jovia Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Jovia Credit Union
4.00%APY
- Term
- 8 months
- Minimum
- $100
- Earns on $10,000
- $265
Certificates
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Jovia Credit Union CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo1.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Jovia Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.00%APY · 11 terms
Assumes dividends remain in certificate until maturity. Withdrawals and fees could reduce earnings. Penalties may be imposed for early withdrawal; penalty-free withdrawals for tuition and home purchases only. Rate-increase feature applies if rate rises within 5 calendar days of opening (only once). At renewal, certificate earns the rate on the day of maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 1.00% | $50 |
| 8 months | 4.00% | $265 |
| 12 months | 1.00% | $100 |
| 18 months | 4.00% | $606 |
| 24 months | 1.25% | $252 |
| 25 months | 3.75% | $797 |
| 36 months | 1.25% | $380 |
| 40 months | 3.75% | $1,306 |
| 48 months | 2.00% | $824 |
| 60 months | 2.25% | $1,177 |
Sources (1)
- jovia.org/rates/personal-account-rates · captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 4.00%APY · 11 terms
Available as Traditional or Roth IRA. Assumes all dividends remain in certificate until maturity. Minimum balance requirements apply. No Credit Union penalties on withdrawals on IRA for normal IRA distributions; tax penalties may apply before age 59½. Rate-increase feature applies if rate increases within 5 calendar days of opening (only once). At renewal, certificate earns the rate on the day of maturity.
| Term | APY · Any balance | APY · $100 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 1.00% | — | 1.00% | $25 |
| 6 months | 1.00% | — | 1.00% | $50 |
| 8 months | 4.00% | — | 4.00% | $265 |
| 12 months | 1.00% | — | 1.00% | $100 |
| 18 months | 4.00% | — | 4.00% | $606 |
| 24 months | 1.25% | — | 1.25% | $252 |
| 25 monthsPromotional rate in effect from January 15, 2026, for a limited time only. $100 minimum balance to earn APY and to open an account | — | 4.00% | 4.00% | $851 |
| 36 months | 1.25% | — | 1.25% | $380 |
| 40 months | 3.75% | — | 3.75% | $1,306 |
| 48 months | 2.00% | — | 2.00% | $824 |
| 60 months | 2.25% | — | 2.25% | $1,177 |
Sources (1)
- jovia.org/rates/personal-account-rates · captured Oct 16, 2026
Who can join Jovia Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school on Long Island are eligible for membership, excluding the Suffolk County townships of Southampton, East Hampton, and Shelter Island.
Family and household
- Individuals can qualify for membership through sponsorship by an existing family member who is already a member of Jovia.
Membership information collected October 5, 2026.