Jovia Financial Credit Union Credit Cards

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Jovia Visa® Advantage

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BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good

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Jovia Visa® Advantage

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• 13.24% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
• 13.24% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
• 13.24% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
• 1.99% for 12 months from account opening date Intro Purchase APR

At a Glance

The Jovia Visa® Advantage is a low APR and balance transfer card from Jovia Financial Credit Union that is big on benefits and little on drawbacks. The card features an exceptional typical APR starting at around 9% variable, which is set at an amazing 1.99% for the first 12 months. The card also benefits from no foreign transaction fees, no balance transfer fees, no penalty APR, and no annual fee.

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• No annual fee
• No foreign transaction fees
• No balance transfer fee
• Great low APR

• Intro Purchase APR: 1.99% for 12 months from account opening date
• Regular Purchase APR: 13.24% to 17.99% variable based on creditworthiness and the Prime Rate
• Intro Balance Transfer APR: 1.99% for the first 12 months
• Balance Transfer APR: 13.24% to 17.99% variable based on creditworthiness and the Prime Rate
• Cash Advance APR: 13.24% to 17.99% variable based on creditworthiness and the Prime Rate
• Cash Advance Transaction Fee: 3% of the transaction amount
• Late Payment Penalty Fee: Up to $25
• Return Payment Penalty Fee: Up to $25

• You don’t want to pay an annual fee
• You already bank with Jovia (formerly NEFCU) in New York
• You want a tremendous low APR to consolidate existing credit card balances
• You do’t want to pay foreign transaction fees

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About Jovia Financial Credit Union

Jovia Financial Credit Union is a leading New York credit union that focuses on Long Island. The credit union has a long history, starting out as a teacher’s credit union in Westbury, NY – a place it still calls home.

Jovia’s history dates to 1938 and Valley Stream Teachers Federal Credit Union. That credit union served as the financial institution for local educators, eventually changing names to Nassau Educators Federal Credit Union (NEFCU).

In late 2019, the credit union changed names once again, taking its current name – Jovia Financial Credit Union. The new name reflects the credit union’s happy-go-lucky modus operandi, as it is based on the word “jovial.” Jovia prides itself on optimism, trust, and “Banking on the bright side,”

Membership Eligibility

Joining Jovia Financial Credit Union is straightforward and simple. Membership is open to anyone who lives, works, or attends school in Suffolk or Nassau Counties, NY. Membership is also open to the immediate family of current Jovia members.

To join Jovia Financial Credit Union you’ll need the following:

• Government-issued ID/Driver’s License/State ID or Passport with current address
• Your complete physical and mailing address
• Social Security Number
• Date of Birth

You’ll also need to open a new Jovia account. Available options include savings accounts (with a $0 minimum deposit), checking accounts, money market accounts, or Certificates of Deposit (CD).

Branch Locations

Jovia currently operates 20 branches in Nassau County and Suffolk County, NY. Many of these locations are in and around Westbury, where the credit union has its headquarters.

For a complete listing of branch locations, including shared branches and ATMs through the CO-OP Shared Branch and ATM network, locations direction and hours of operation, and more, please visit the credit union’s dedicated location page.