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Client Portal

Nova

Financial Services Marketplace

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Get Started

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Cash Management

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Loan Placement

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Resources

​Program Highlights

  • Maximize interest earnings through a competitive, compliant marketplace

  • Stay on top of CD maturities and FDIC limits with proactive account monitoring

  • Use automated tools to track and support your community's financial health

This program helps you manage and grow your reserve cash with tools to track and analyze your accounts. You’ll also gain access to a network of 500+ insured and vetted banks and credit unions that specialize in serving Community Associations.

If your current reserves aren’t enough for upcoming projects, we also offer tools to help you prequalify for loans from banks that actively lend to Community Associations. 

Rates as-of: 
12/3/2025

Top Money Market Rates

Bank Name
Minimum Deposit
Interest Rate

BankUnited

$2,500

2.25%

Capital Bank

$2,500

2.70%

Pinnacle Financial Partners

$2,500

2.50%

Top Money Market Sweep Rates

(to insure balances above FDIC limits)

Bank Name
Minimum Deposit
Interest Rate

ADM

$250,000

2.75%

Top CD Rates

Minimum deposit - $10,000

CD Term
Bank Name
Interest Rate

3 month

Southern First Bank

3.60%

6 month

First National Bank

3.55%

9 month

Wings Financial CU

3.55%

12 month

Magnifi Financial

3.77%

18 month

Enterprise Bank & Trust

3.40%

24 month

Fortera FCU

3.45%

36 month

Ally Bank

3.45%

Loan Rates

Loan Term
Loan Type
Interest Rate

5 year

Fixed Rate Term Loan

5.65%

10 year

Fixed Rate Term Loan

6.09%

15 year

Fixed Rate Term Loan

6.35%

20+ year

Limited availability – please contact us for details.

Onboarding in-progress.

Please contact your administrator to complete onboarding to the Cash Management Program for access to your management company's current interest rates.

The purchasing of products and services from participating financial institutions and partners within the Reserve Cash Management Program is carried out directly by the community, and is subject to the terms, fees, and conditions of each financial institution or partner. This program is not a financial advisory or money management service. Common Area, Inc. (“CommonArea”), an independent financial technology firm specializing in working with community associations, provides the preferred network of financial institutions, partners, and tools. CommonArea receives compensation directly from participating financial institutions and partners, which it may share with your property management company to offset costs for their assistance with the management of the service.

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