Credit union · NCUA insured
Jovia Credit Union Savings Rates
Top CarrotJovia Credit Union’s best savings rate is 3.20% APY on $10,000, with its Online Savings. Rates checked October 16, 2026.
How Jovia Credit Union’s savings 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
3.20%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $320
Online Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Jovia Credit Union savings score
95
Savings score
Higher than 97% of U.S. banks and credit unions
- $1,000 balance$1,0003.20%
- $10,000 balance$10,0003.20%
- $100,000 balance$100,0003.20%
- QualifiedQualified3.20%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Online Savings
3.20%APY
Rates may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account. Please refer to our fee schedule for details. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $11 and upRates may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account. Please refer to our fee schedule for details. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services.$11 and up | 3.20% | $320 | Rates may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account. Please refer to our fee schedule for details. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services. |
Sources (1)
- jovia.org/rates/deposit-rates · captured Oct 6, 2026
Money Market
0.20%APY
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.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $24,999Minimum to earn APY is $2,500.00 (based on a 30-day month). | 0.20% | $20 | Minimum to earn APY is $2,500.00 (based on a 30-day month). |
| $25,000 – $49,999Minimum to earn APY is $25,000.00 (based on a 30-day month). | 0.30% | — | Minimum to earn APY is $25,000.00 (based on a 30-day month). |
| $50,000 – $99,999Minimum to earn APY is $50,000.00 (based on a 30-day month). | 0.40% | — | Minimum to earn APY is $50,000.00 (based on a 30-day month). |
| $100,000 – $249,999Minimum to earn APY is $100,000.00 (based on a 30-day month). | 0.55% | — | Minimum to earn APY is $100,000.00 (based on a 30-day month). |
| $250,000 – $999,999Minimum to earn APY is $250,000.00 (based on a 30-day month). | 0.75% | — | Minimum to earn APY is $250,000.00 (based on a 30-day month). |
| $1,000,000 and upMinimum to earn APY is $1,000,000.00 (based on a 30-day month). | 1.00% | — | Minimum to earn APY is $1,000,000.00 (based on a 30-day month). |
Sources (1)
- jovia.org/rates/deposit-rates · captured Oct 6, 2026
Tuition Builder
1.00%APY
The dividend rate and annual percentage yield may change every quarter. The dividend rate for your account will be equal to the average of the past three months’ dividend rates on the 6-Month Term Certificate Account. The minimum balance required to open this account is $100. If the balance in this account drops below $100 on any day, the account will be closed and the remaining balance will be transferred to a Share Savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $34 and upThe dividend rate and annual percentage yield may change every quarter. The dividend rate for your account will be equal to the average of the past three months’ dividend rates on the 6-Month Term Certificate Account. The minimum balance required to open this account is $100. If the balance in this account drops below $100 on any day, the account will be closed and the remaining balance will be transferred to a Share Savings account.$34 and up | 1.00% | $100 | The dividend rate and annual percentage yield may change every quarter. The dividend rate for your account will be equal to the average of the past three months’ dividend rates on the 6-Month Term Certificate Account. The minimum balance required to open this account is $100. If the balance in this account drops below $100 on any day, the account will be closed and the remaining balance will be transferred to a Share Savings account. |
Sources (1)
- jovia.org/rates/deposit-rates · captured Oct 6, 2026
Share Savings
0.10%APY
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.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $131 and upRates 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.$131 and up | 0.10% | $10 | 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. |
Sources (1)
- jovia.org/rates/deposit-rates · captured Oct 6, 2026
Special Purpose Savings
0.10%APY
Rates on Savings accounts may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account. At your request, the balance in the account will be transferred on the date of your choice to your Share Savings account with us.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $60 and upRates on Savings accounts may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account. At your request, the balance in the account will be transferred on the date of your choice to your Share Savings account with us.$60 and up | 0.10% | $10 | Rates on Savings accounts may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account. At your request, the balance in the account will be transferred on the date of your choice to your Share Savings account with us. |
Sources (1)
- jovia.org/rates/deposit-rates · captured Oct 6, 2026
Special-purpose accounts
Student Savers
0.10%APY
This account requires an initial deposit of $5.00. Account is limited to students ages 18-25. Student Savers account will automatically convert to a share savings when the member reaches age 26. Jovia reserves the right to ask for proof of student status. Limited to one per member.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,000Balances ≤ $3,000.00. This account requires an initial deposit of $5.00. Account is limited to students ages 18-25. Student Savers account will automatically convert to a share savings when the member reaches age 26. Jovia reserves the right to ask for proof of student status. Limited to one per member. | 5.00% | — | Balances ≤ $3,000.00. This account requires an initial deposit of $5.00. Account is limited to students ages 18-25. Student Savers account will automatically convert to a share savings when the member reaches age 26. Jovia reserves the right to ask for proof of student status. Limited to one per member. |
| Over $3,000Balances ≥ $3,000.01. Minimum to earn APY is $5.00. This account requires an initial deposit of $5.00. Account is limited to students ages 18-25. Student Savers account will automatically convert to a share savings when the member reaches age 26. Jovia reserves the right to ask for proof of student status. Limited to one per member. | 0.10% | $10 | Balances ≥ $3,000.01. Minimum to earn APY is $5.00. This account requires an initial deposit of $5.00. Account is limited to students ages 18-25. Student Savers account will automatically convert to a share savings when the member reaches age 26. Jovia reserves the right to ask for proof of student status. Limited to one per member. |
Sources (1)
- jovia.org/rates/deposit-rates · captured Oct 6, 2026
Premier Money Market
Up to 3.55%APY
The 6-month introductory rate equates to 184 calendar days from the day of account opening. The minimum average monthly balance required to earn the introductory rate for this account is $50,000. Average monthly balances under $50,000 will not earn dividends or the introductory rate. Members with a current or prior Business Premier Money Market Account are not eligible for an introductory rate. Only new first-time Business Premier Money Market Accounts will receive the introductory rate. Rates and terms are subject to change without notice. Rates may change after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 – $99,9996-month introductory rate (184 calendar days). Minimum average monthly balance to earn APY is $50,000.00. | 2.40% | — | 6-month introductory rate (184 calendar days). Minimum average monthly balance to earn APY is $50,000.00. |
| $100,000 – $249,9996-month introductory rate (184 calendar days). Minimum average monthly balance to earn APY is $100,000.00. | 2.65% | — | 6-month introductory rate (184 calendar days). Minimum average monthly balance to earn APY is $100,000.00. |
| $250,000 – $999,9996-month introductory rate (184 calendar days). Minimum average monthly balance to earn APY is $250,000.00. | 2.90% | — | 6-month introductory rate (184 calendar days). Minimum average monthly balance to earn APY is $250,000.00. |
| $1,000,000 and up6-month introductory rate (184 calendar days). Minimum average monthly balance to earn APY is $1,000,000.00. | 3.55% | — | 6-month introductory rate (184 calendar days). Minimum average monthly balance to earn APY is $1,000,000.00. |
Sources (1)
- jovia.org/rates/deposit-rates · captured Oct 6, 2026
Health Savings Account
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $135 – $2,500 | 0.10% | — |
| $2,500 – $14,999 | 0.20% | $20 |
| $15,000 and up | 2.00% | — |
Sources (1)
- jovia.org/rates/deposit-rates · captured Oct 6, 2026
Youth Savings Account
1.01%APY
Youth Savings Account requires $5 initial deposit. Minimum balance to earn APY is based on a 30-day month. A parent, legal guardian, or an adult member of the child's family must be a joint owner on the Youth Savings Account, the Jovia Checking account, and/or Visa® Debit Card for minors under 18. Youth Savings Account will automatically convert to a Share account when the minor reaches 18 years of age.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $6 and upYouth Savings Account requires $5 initial deposit. Minimum balance to earn APY is based on a 30-day month. A parent, legal guardian, or an adult member of the child's family must be a joint owner on the Youth Savings Account, the Jovia Checking account, and/or Visa® Debit Card for minors under 18. Youth Savings Account will automatically convert to a Share account when the minor reaches 18 years of age.$6 and up | 1.01% | $101 | Youth Savings Account requires $5 initial deposit. Minimum balance to earn APY is based on a 30-day month. A parent, legal guardian, or an adult member of the child's family must be a joint owner on the Youth Savings Account, the Jovia Checking account, and/or Visa® Debit Card for minors under 18. Youth Savings Account will automatically convert to a Share account when the minor reaches 18 years of age. |
Sources (1)
- jovia.org/rates/deposit-rates · captured Oct 6, 2026
Liquid Saver's IRA
0.20%APY
Also known as IRA Savers Dividend. 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.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $70 and upAlso known as IRA Savers Dividend. 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.$70 and up | 0.20% | $20 | Also known as IRA Savers Dividend. 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. |
Sources (1)
- jovia.org/rates/deposit-rates · captured Oct 6, 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.