Jovia Financial Credit Union


Overview / Commentary
516-561-0030
1000 Corporate Dr
Westbury, NY 11590

Jovia Financial Credit Union is headquartered in Westbury and is the 8th largest credit union in the state of New York. It is also the 69th largest credit union in the nation. It was established in 1938 and as of December of 2019, it had grown to 405 employees and 199,326 members at 12 locations. Jovia Financial Credit Union's money market rates are 36% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Jovia Financial Credit Union is open to those who live, work, or go to school in Suffolk or Nassau counties. Immediate family and household members of existing Jovia members are also eligible to join. (Membership requirements are listed in the credit union's online application)
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Reviews (4)

NEFCU is terrific

I joined NEFCU when I began my first job in the public school system on Long Island, NY over 25 years ago. Every thing I needed was available through the credit union. Easy applications for credit cards, car loans, mortgages, were right at my finger tips. If I had a question there was always a live person to speak to either by phone or chat on the site. NEFCU also provided me with a free checking account and a competitive rate for my savings account. This is a great bonus to being part of the education system.

Great Credit Union

NEFCU is a credit union that works for its members and provide a great rewards checking account, contests for members, low rate loans, and works on providing new services that provide savings and convenience to members.

Review of Nassau Educators Federal Credit Union

As a customer of over 5 years, I have not endured a painful experience. Every encounter I have had with tellers, or any staff have always been very helpful and knowledgeable. They are very lenient and understanding when it comes to accidental overdrafts. One time, one of my checks did not finish clearing, and I tried to withdraw money with my ATM card. It overdrew, and the fee was waived when I explained the situation. They really seem to care about their clients.

Online Banking

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The online banking is terrible. Someone tells you you can only do it online, then online says you have to call the bank. I have been trying to set it up, and they say it's so easy. That you can do it from home, but I have to get up and walk a town over and talk to someone in person.



Health

Health Grade Components

Overall
NCUA #2760
Year Chartered1938
Employees405
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD7.39%
Annual Interest Income$132.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$3.48B$3.15B
LoansQ4 2019vs Q4 2018$2.89B$2.58B
DepositsQ4 2019vs Q4 2018$3.12B$2.83B
Equity CapitalQ4 2019vs Q4 2018$325.4MM$295.4MM
Loan Loss AllowanceQ4 2019vs Q4 2018$15.4MM$14.0MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$22.4MM$19.3MM
Real Estate OwnedQ4 2019vs Q4 2018$0$300.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Jovia Financial Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Jovia Financial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$20-Dollar Dog Kids Club
1.00%$20-Elements Teen Share Account
0.60%$3-IRA Liquid Savings
0.30%$20-Share Account
0.30%$20-Business Savings

Jovia Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-Business Money Market
OTHER TIERS: 0.30% Up to $25k | 0.40% $25k - $50k | 0.50% $50k - $100k
0.60%*$100k*- Money Market Account
OTHER TIERS: 0.30% Up to $25k | 0.40% $25k - $50k | 0.50% $50k - $100k

Jovia Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*-$25kGo Green Checking - Qualifying
OTHER TIERS: 0.30% $25k+
0.25%--Business Checking with Interest

Jovia Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-5 Year Certificate
1.50%$1k-Business 5 Year Certificate
1.25%$1k-4 Year Certificate
1.25%$1k-Business 4 Year Certificate
1.10%$1k-3 Year Certificate
1.10%$1k-Business 3 Year Certificate
1.10%$1k-30 Month Certificate
1.10%$1k-Business 30 Month Certificate
0.75%$1k-2 Year Certificate
0.75%$1k-Business 2 Year Certificate
0.60%$1k-Business 18 Month Certificate
0.60%$1k-18 Month Certificate
0.50%$1k-1 Year Certificate
0.50%$1k-Business 1 Year Certificate
0.40%$1k-6 Month Certificate
0.40%$1k-Business 6 Month Certificate
0.30%$1k-3 Month Certificate
0.30%$1k-Business 3 Month Certificate

Jovia Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$500-5 Year IRA
1.25%$500-3 Year IRA
1.25%$500-4 Year IRA
1.10%$500-30 Month IRA
0.75%$500-2 Year IRA
0.60%$500-18 Month IRA
0.50%$500-1 Year IRA
0.40%$500-6 Month IRA
0.30%$500-3 Month IRA
Locations

Availability



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