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Date Reviewed: October 03, 2019
Clearview Business Platinum Mastercard®
- Regular Purchase APR 7.24% variable based on the Prime Rate
- Balance Transfer APR 7.24% variable based on the Prime Rate
- Cash Advance APR 7.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good
- Processing Network Mastercard
- No annual fee
- CURewards - earn points for everyday purchases and recurring bills, redeem for travel and vacations, electronics, car rentals and hotels, and more
- Mastercard benefits like ID Theft Protection, Global Service, Airport Concierge and more
- Low, competitive rates for purchases, balance transfers, and cash advances
- Regular Purchase APR: 7.24% variable based on the Prime Rate
- Balance Transfer APR: 7.24% variable based on the Prime Rate
- Cash Advance APR: 7.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of each cash advance
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $29
- Return Payment Penalty Fee: $25
- Over Limit Penalty Fee: $29
Date Reviewed: October 02, 2019
Clearview Student Platinum Mastercard®
- Regular Purchase APR 9.24% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 9.24% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 9.24% to 18% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Poor , No Credit Required
- Intro Purchase APR 3.99% on balance transfers completed within 30 days from account opening
- Processing Network Mastercard
- Emergency cash advance and card replacement
- Text alerts when the bank detects potentially fraudulent activity on your account
- 25-day grace period for purchases
- No annual fee
- Intro Purchase APR: 3.99% on balance transfers completed within 30 days from account opening
- Regular Purchase APR: 9.24% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 9.24% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 9.24% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of each cash advance
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
Date Reviewed: September 18, 2019
Clearview Platinum Mastercard®
- Regular Purchase APR 9.24% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 9.24% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 9.24% to 18% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Good
- Intro Purchase APR 3.99% on balance transfers completed within 30 days from account opening
- Processing Network Mastercard
- No annual fee
- 25 day grace period on purchases
- Low, very competitive interest rates
- Mastercard Concierge, Priceless Cities, and other perks
- Intro Purchase APR: 3.99% on balance transfers completed within 30 days from account opening
- Regular Purchase APR: 9.24% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 9.24% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 9.24% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of each cash advance
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
Date Reviewed: September 17, 2019
Clearview Premium World™ Mastercard®
- Regular Purchase APR 12.25% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 12.25% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 12.25% to 18% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Mastercard
- 0% introductory APR on purchases for 12 months
- Spend $1,000 in the first 90 days and earn 10,000 bonus points; Automatically receive up to 12,000 bonus points just for being a new cardholder
- No annual fee or foreign transaction fees
- Unlimited 1.5% cash back on every purchase, every day
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 12.25% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.25% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 12.25% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of each cash advance
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
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1About 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.
FAQs About Jovia Financial Credit Union
Here are answers to frequently asked questions about Nassau Educators Federal Credit Union (NEFCU) and Jovia Financial Credit Union:
What is Jovia’s routing number?
- The ABA routing number for Jovia is 221480807.
What time does Jovia open?
- Most branches open at 9 am Monday through Saturday, with drive-up hours beginning at 8 am. Both branch lobbies and drive-up services are closed on Sundays.
How can I contact Jovia customer service reps?
- The phone number for Jovia’s corporate offices and the main branch is (516) 561-0030.
