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!