Jovia Financial Federal Credit Union

Headquarters

1000 Corporate Dr
Westbury, NY 11590
See all branch locations →

Phone 1-516-561-0030

Notable Rates APY Vs.Others
Savings 0.15% 0.85% →
1-Year CD 0.70% 0.85% →
2-Year CD 0.90% 0.87% →
5-Year CD 1.25% 1.30% →
30-Year Mortgage 4.07% 2.81% →
15-Year Mortgage 3.59% 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Jovia Financial is an NCUA insured institution located in Westbury, NY. It was founded in 1938 and has approximately $3953.58 millions in assets.

Who can join?

You are eligible for membership with Jovia Financial Credit Union if you:

Live in Nassau and/or Suffolk Counties

Work in Nassau and/or Suffolk Counties

Worship in Nassau and/or Suffolk Counties

Attend school in Nassau and/or Suffolk Counties

Regularly conduct business in Nassau and/or Suffolk Counties

Family Sponsorship - An existing Jovia Financial Credit Union member can sponsor in an immediate family member (mother/father, brother/sister, child, grandparent or grandchild) or any household member

Membership is not open to individuals who live, work, worship, attend school and do business exclusively in East Hampton, Southampton and Shelter Island.

NCUA Insured Yes / Federally Chartered
Charter Number # # 2760
Date Established 1938
Assets $3,953.58 million
Loans $2,858.01 million
Deposits $3,566.22 million
Capital $357.24 million
 

Field of Membership Restrictions

You are eligible for membership with Jovia Financial Credit Union if you: Live in Nassau and/or Suffolk Counties Work in Nassau and/or Suffolk Counties Worship in Nassau and/or Suffolk Counties Attend school in Nassau and/or Suffolk Counties Regularly conduct business in Nassau and/or Suffolk Counties Family Sponsorship - An existing Jovia Financial Credit Union member can sponsor in an immediate family member (mother/father, brother/sister, child, grandparent or grandchild) or any household member Membership is not open to individuals who live, work, worship, attend school and do business exclusively in East Hampton, Southampton and Shelter Island.

Deposit Rates - January 18, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More
18 Mo CD
0.80% $10,000 $14,999 Learn More
18 Mo CD
0.80% $100,000 $199,999 Learn More
24 Mo CD
0.90% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.10% $10,000 $14,999 Learn More
48 Mo CD
1.10% $100,000 $199,999 Learn More
60 Mo CD
1.25% $10,000 $14,999 Learn More
60 Mo CD
1.25% $100,000 $199,999 Learn More
Checking Rates APY MIN FEE
GO Green Checking 1.00% $0 $0.00 Learn MoreShow Less

Loan Rates - January 18, 2022

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 3.09% 3.09% $728.02
4 Year 3.09% 3.09% $554.35
5 Year 3.09% 3.09% $450.22
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


 

Branches

Below are Jovia Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Jovia Financial Locations



Climate Initiatives

JOVIA FINANCIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Jovia Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Jovia Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Jovia Financial U.S. Average
3.28% 3.93

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2021, Jovia Financial had $12,285,108 in non-current loans and $300,062 in owned assets. To cover these potential losses it had $357,238,555 in net worth and $26,933,521 in loans loss reserves. That gives it a Texas Ratio of 3.28%.

Net Worth
Jovia Financial U.S. Average
9.03% 12.37%

Jovia Financial FCU has a net worth of 9.03% versus the BestCashCow average of 12.37. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for JOVIA FINANCIAL


  • April 25, 2021 |

    It has some of the most inept, cold workers. They do not return calls. You have trouble using payments or transactions by phone as they charge you. For months during COVID no hand sanitizer was present in the branches, but now there are signs telling youl they want you to clean yout hands before touching anything. They are not accommodating at all. It is run like an amateur establishment and they change personal like you change shirts.

  • December 26, 2019 |

    BAD, AND BAD BANK.. 3 WEEKS AGO LOST BANK CARD AND CONTACTED CUSTOMER SERVICE, THERE RESPONDS WAS " THEY CAN`T CANCEL BANK CARD ON THEIR END AND WILL BE CONTACTED BY HEADQUATHERS.. I WAS NEVER CONTACTED BY HEADQUATHERS. FAST FORWARD.. HOW COME I WAS ABLE TO PLACE AN ORDER ONLINE USING MY LOST BANK CARD INFO TODAY 12/26/2019. I AM LEAVING JOVIA ASAP.

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