Jovia Financial Credit Union Credit Cards

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Jovia Visa® Advantage

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• Regular Purchase APR 10.99% to 17.99% variable based on creditworthiness and the Prime Rate
• Balance Transfer APR 10.99% to 17.99% variable based on creditworthiness and the Prime Rate
• Cash Advance APR 10.99% to 17.99% variable based on creditworthiness and the Prime Rate
• Annual Fee None
• Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
  Excellent , Good
• Intro Purchase APR 1.99% for 12 months from account opening date
• Processing Network N/A

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Date Reviewed: September 23, 2022

Best Benefits ×

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

Rates & Fees ×

• Intro Purchase APR: 1.99% for 12 months from account opening date
• Regular Purchase APR: 10.99% 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: 10.99% to 17.99% variable based on creditworthiness and the Prime Rate
• Cash Advance APR: 10.99% 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

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Please Note: The details of the offer(s) shown above should not be taken as a guarantee that you will receive the discount/rewards/offer mentioned above. Any information about combined offers and/or rewards should be taken as an estimate only. You may be responsible for completing certain steps at the merchant’s checkout page. Please read the merchant’s full terms and conditions for details.

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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.