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Jovia Financial Credit Union


Overview / Commentary
www.jovia.org
516-561-0030
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 90th largest credit union in the nation. It was established in 1938 and as of December of 2021, it had grown to 435 employees and 206,572 members at 20 locations. Jovia Financial Credit Union's money market rates are 59% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Jovia Financial Credit Union is open to anyone who lives, works, or goes to school in Nassau or Suffolk County (excludes the townships of East Hampton, Southampton, and Shelter Island). Immediate family and household members of existing credit union members also qualify.
See current membership details

Related Posts

30 Month With 1 Time Bump Up: 1.60% APY - 5/3/2022

1.6% APY 30 Month CD, regular or IRA, with a one time bump up to a higher rate: You can elect to bump-up your initial Term Certificate rate once during the initial term of the account to either the then-corresponding 2-year Certificate rate or the 30-month Certificate rate. When you bump-up your rate, you will receive that higher rate for the remainder of your initial 30-month term. Your original maturity date will remain the same. At maturity, certificate automatically renews to our basic 2-year Term Certificate account and will not include the special bump-up rate feature.

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Reviews (5)

NEFCU is terrific

Posted by: |

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.

1

Great Credit Union

Posted by: |

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.

1

Review of Nassau Educators Federal Credit Union

Posted by: |

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.

1

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%.

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.

6


Health
B+

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #2760
Year Chartered1938
Employees435
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD6.78%
Annual Interest Income$113.8MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$3.96B$3.75B
LoansQ4 2021vs Q4 2020$2.84B$2.96B
DepositsQ4 2021vs Q4 2020$3.58B$3.38B
Equity CapitalQ4 2021vs Q4 2020$337.8MM$332.5MM
Loan Loss AllowanceQ4 2021vs Q4 2020$29.3MM$24.8MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$50.0MM$43.1MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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%$6-Dollar Dog Kids Club
1.00%$6-Elements Teen Share Account
0.35%$100-Tuition Builder
0.20%$30-IRA Liquid Savings
0.20%*$2.5k*-Health Savings Account
OTHER TIERS: 0.10% → Up to $2.5k
0.10%$60-Share Savings
0.10%$20-Business Savings
0.10%$60-Special Purpose Account

Jovia Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$250k*-Business Money Market
OTHER TIERS: 0.30% → Up to $25k | 0.40% → $25k - $50k | 0.50% → $50k - $100k | 0.60% → $100k - $250k
0.70%*$250k*-Money Market Account
OTHER TIERS: 0.30% → $2.5k - $25k | 0.40% → $25k - $50k | 0.50% → $50k - $100k | 0.60% → $100k - $250k

Jovia Financial Credit Union Checking Account Rates

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

Jovia Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%$100-30 Month Bump Certificate
2.10%$100-Business 30 Month Bump Certificate
1.75%$100-5 Year Certificate
1.75%$100-Business 5 Year Certificate
1.75%$100-Business 18 Month Certificate
1.75%$100-18 Month Certificate
1.50%$100-2 Year Certificate
1.50%$100-3 Year Certificate
1.50%$100-Business 2 Year Certificate
1.50%$100-Business 3 Year Certificate
1.50%$100-4 Year Certificate
1.50%$100-Business 4 Year Certificate
1.25%$100-Business 11 Month Certificate
1.25%$100-11 Month Certificate
0.75%$100-6 Month Certificate
0.75%$100-1 Year Certificate
0.75%$100-Business 6 Month Certificate
0.75%$100-Business 1 Year Certificate
0.30%$100-3 Month Certificate
0.30%$100-Business 3 Month Certificate

Jovia Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%$100-30 Month IRA Bump
1.75%$100-5 Year IRA
1.75%$100-18 Month IRA
1.50%$100-2 Year IRA
1.50%$100-3 Year IRA
1.50%$100-4 Year IRA
1.25%$500-11 Month IRA
0.75%$100-6 Month IRA
0.75%$100-1 Year IRA
0.30%$100-3 Month IRA
Locations

Availability

New York Area

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The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.