Jovia Financial Credit Union

Overview / Commentary
1000 Corporate Dr
Westbury, NY 11590

Jovia Financial Credit Union is headquartered in Westbury and is the 9th largest credit union in the state of New York. It is also the 81st largest credit union in the nation. It was established in 1938 and as of December of 2020, it had grown to 418 employees and 200,958 members at 12 locations. Jovia Financial Credit Union has a B+ 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 (5)

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.

Used To Be A Good Credit Union Until They Tanked Their Interest Rate

Posted by: |

Have been a long time member since they were known as NEFCU. Unfortunately, their RCA is no longer competitive paying a measly 1.50% while maintining the same requirements - $250 debit spend, bill pay, estatements. Will be switching to a more competitive bank or credit union that pays a minimum of 3%.

Online Banking

Posted by: |

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 Grade Components

NCUA #2760
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.61%
Annual Interest Income$120.8MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$3.75B$3.48B
LoansQ4 2020vs Q4 2019$2.96B$2.89B
DepositsQ4 2020vs Q4 2019$3.38B$3.12B
Equity CapitalQ4 2020vs Q4 2019$332.5MM$325.4MM
Loan Loss AllowanceQ4 2020vs Q4 2019$24.8MM$15.4MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$43.1MM$22.4MM
Real Estate OwnedQ4 2020vs Q4 2019$0$0
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* 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

1.00%$20-Dollar Dog Kids Club
1.00%$20-Elements Teen Share Account
0.20%$3-IRA Liquid Savings
0.10%$39-Share Savings
0.10%$20-Business Savings
0.10%$39-Special Purpose Account

Jovia Financial Credit Union Money Market Rates

0.40%*$250k*-Business Money Market
OTHER TIERS: 0.15% Up to $25k | 0.25% $25k - $100k | 0.35% $100k - $250k
0.40%*$250k*- Money Market Account
OTHER TIERS: 0.15% $2.5k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k | 0.35% $100k - $250k

Jovia Financial Credit Union Checking Account Rates

1.00%*-$25kGo Green Checking - Qualifying
OTHER TIERS: 0.10% $25k+
0.25%--Business Checking with Interest

Jovia Financial Credit Union CD Rates

0.85%$1k-5 Year Certificate
0.85%$1k-Business 5 Year Certificate
0.75%$1k-4 Year Certificate
0.75%$1k-Business 4 Year Certificate
0.60%$1k-3 Year Certificate
0.60%$1k-Business 3 Year Certificate
0.60%$1k-Business 18 Month Certificate
0.60%$1k-18 Month Certificate
0.50%$1k-2 Year Certificate
0.50%$1k-Business 2 Year Certificate
0.45%$1k-1 Year Certificate
0.45%$1k-Business 1 Year Certificate
0.35%$1k-6 Month Certificate
0.35%$1k-Business 6 Month Certificate
0.30%$1k-3 Month Certificate
0.30%$1k-Business 3 Month Certificate

Jovia Financial Credit Union IRA Rates

1.00%$500-5 Year IRA
0.75%$500-4 Year IRA
0.60%$500-3 Year IRA
0.60%$500-18 Month IRA
0.50%$500-2 Year IRA
0.45%$500-1 Year IRA
0.35%$500-6 Month IRA
0.30%$500-3 Month IRA


New York Area

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