Jovia Financial Federal Credit Union
Headquarters
1000 Corporate Dr
Westbury, NY 11590
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Phone (516) 561-0030
2024 Overview
General Credit Union Information
Jovia Financial is an NCUA insured institution located in Westbury, NY. It was founded in 1938 and has approximately $4442.18 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 2760 |
| Date Established | 1938 |
| Assets | $4,442.18 million |
| Loans | $3,515.98 million |
| Deposits | $3,860.58 million |
| Capital | $400.46 million |
Field of Membership Restrictions
It’s simple, everyone is eligible for Jovia membership. Here are a few ways which you can join!
If you live, work or attend school on Long Island; or
Be sponsored in by a family member who is already a Jovia member; or
Enroll via our partnership with Cross-State Foundation, an organization that promotes financial education, contributes to disaster relief and helps community development in underserved areas.
Deposit Rates - April 16, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Online Savings
|
5.00% | $5 | - |
Learn More
|
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| GO Green Checking | 3.50% | $0 | $0.00 | Learn More |
Loan Rates - April 16, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.99% | 5.99% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
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| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 5.79% | 5.79% | $758.17 | |
| 4 Year | 5.79% | 5.79% | $584.72 | |
| 5 Year | 5.79% | 5.79% | $480.88 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 7 Year Adjustable Conforming See Amortization Table |
6.59% | 5.63% | $1,842.10 | |
| 10 Year Adjustable Conforming See Amortization Table |
6.49% | 5.75% | $1,867.43 | |
| 15 Year Fixed Conforming See Amortization Table |
6.42% | 6.25% | $2,743.75 | |
| 30 Year Fixed Conforming See Amortization Table |
6.60% | 6.50% | $2,022.62 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.14% | 7.13% | $2,155.90 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 7 Year Adjustable Conforming See Amortization Table |
6.59% | 5.63% | $1,842.10 | |
| 10 Year Adjustable Conforming See Amortization Table |
6.49% | 5.75% | $1,867.43 | |
| 15 Year Fixed Conforming See Amortization Table |
6.42% | 6.25% | $2,743.75 | |
| 30 Year Fixed Conforming See Amortization Table |
6.60% | 6.50% | $2,022.62 | |
Compare with 6.932% APR and 6.750% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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| 30 Year Fixed Jumbo See Amortization Table |
7.14% | 7.13% | $2,155.90 | |
|
Compare with 6.932% APR and 6.750% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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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:
Columbus,Ohio
Climate Policy and 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.
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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 |
|---|---|
| 9.97% | 6.97 |
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 December 31, 2023, Jovia Financial had $41,528,728 in non-current loans and $300,062 in owned assets. To cover these potential losses it had $400,457,307 in net worth and $19,082,684 in loans loss reserves. That gives it a Texas Ratio of 9.97%.
Net Worth
| Jovia Financial | U.S. Average |
|---|---|
| 8.99% | 13.62% |
Jovia Financial FCU has a net worth of 8.99% versus the BestCashCow average of 13.62. 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
H
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.
Is this review helpful? Yes:1 / No: 0
Jo nathan
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.
Is this review helpful? Yes:2 / No: 1
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