Novation Financial savings accounts
Let your money work for you
Our savings accounts let your money work for you, with a variety of options for meeting your short- and long-term financial goals.
Easily manage your account from anywhere with our secure mobile banking options, including our eBranch website and Mobile Apps.
No monthly fees
Competitive rates
Bank from anywhere with online banking
current SPECIAL
7-Month Certificate Special¹
Looking for a safe and predictable way to grow your money? Our 7-Month Certificate offers a competitive 4.00% APY*, giving you a guaranteed return without the ups and downs of the market. With a minimum deposit of $500, it’s an easy way to put your savings to work and earn with confidence.
Getting started is easy! Simply log in to your eBranch Online Banking or Mobile Banking App account, select Add Another Account, and choose the 7-Month Certificate. Or open an account by clicking the button below.
Overview
Compare Savings Accounts
Primary Savings
All Novation Financial members have a Primary Savings Account. A $5 deposit is required to open and maintain your membership. The account has no monthly fees and offers a lower APY than our other savings accounts.
Included with Novation membership
$5 minimum balance
No monthly fees
High-Yield Savings
Our High-Yield Savings Account offers higher dividends than the Primary Savings Account, with tiered rates earning you even more on balances over $10,000. It also has no fees and allows you to access your money whenever you desire.
Savings always accessible without penalty
Higher APY for balances over $10,000
No monthly fees
Money Market
Our Money Market Account has multiple interest tiers, so the more you save the more you earn. No minimum balance or monthly fees.
Earn more as you save more with tiered rates
No monthly fees
Certificates
Certificates typically provide a higher, predictable rate of return in exchange for investing for a certain length of time. Minimum balance to open is $500. No fees or penalties unless funds are withdrawn prior to the maturity date.
Predictable rate of return
Savings available after set maturity date
$500 minimum balance
No monthly fees
Youth Savings
The Youth Savings Account helps children learn the importance of saving with the benefit of seeing their balances grow. Available to all members under the age of 18, accounts have no fees and no minimum balances.
Earn interest on balances up to $10,000 (dividends accrue monthly)
No minimum balance
No monthly fees
Quick links
Open or Manage a Savings Account
Log in to eBranch
Access your Savings Account by logging into the eBranch
Current Rates
Compare current rates on all Novation Financial Checking & Savings Accounts
Learn More About Savings
¹At maturity, the 7-Month Certificate Special will automatically renew into a 6-month term certificate at the current rate at that time. Offer subject to change.
*APY = Annual Percentage Yield. Rates effective September 21, 2026 and subject to change without notice.
Deposits are federally insured by the NCUA up to at least $250,000 per individual depositor, in accordance with NCUA insurance regulations.
Money Markets: Money Market Accounts are limited to a maximum of six (6) electronic transfers or withdrawals per statement cycle. There is not a limit on the number of deposits that can be made. This regulation applies to all U.S. financial institutions offering high-yield savings and money market accounts.
Certificates: After the Certificate is open, you may not make additions into this account until the maturity date stated on the account. A penalty may be imposed for withdrawals before maturity date.