Jovia Financial Credit Union
February 2021

Want a Credit Card that Gives You More?

Whether you’re seeking low interest rates or a card that earns rewards as you spend, Jovia offers different options so you can choose the card that's right for you.
Do you carry a balance on your card?
Jovia’s Visa® Advantage Credit Card helps to keep your balances under control with great everyday low rates. Enjoy an introductory rate of 1.99% APR° on purchases and balance transfers for the first 12 months.
Use your card often and want to get rewarded?
Jovia’s Signature Elite Visa Credit Card earns 1.25 points for every dollar you spend. Use the points for travel, merchandise, gift cards, or cash. Plus, if you spend $2,000 during the first three months, you’ll get an additional 20,000 points! ¤
Our credit cards have:
  • No annual, balance transfer, or foreign transaction fees
  • Apple Pay, Android Pay, and Samsung Pay compatibility
  • Card alerts to manage spending and protect against fraud
Apply Today!

Helpful Tips at Tax Time

Take the stress out of tax filing preparation with these helpful tips:
Get your refund faster with direct deposit.

Deposit your tax refund right into your Jovia account. Our routing number is 221480807. 

You will also need to provide your account number. Here is where you can find it: 
  • In Online Banking, click on the account name under Accounts, then click Account Details to view the account type, number, and accrued dividend.
  • In Mobile Banking, click on the Account Name, then click Details to view the Account/ACH number and Accrued dividend.
Protect yourself from tax scams and fraud.
Do not respond to telephone calls or emails claiming to be the IRS or the U.S. Treasury. The IRS will only correspond with you through the U.S. Postal Service.
Max out retirement plan contributions.
The 2020 IRA contribution deadline is April 15, 2021

Use Your Home’s Equity to Reach Your Goals

If your home is worth more than you owe, you can use your home’s equity to get the cash you need to set your plans in motion.  
Use the equity in your home to:
  • Complete home improvement projects
  • Consolidate high-interest debt
  • Cover college tuition costs
  • Plan for retirement
  • Prepare for unexpected expenses
Choose a home equity line of credit, a fixed-rate loan or even a combination of both! Borrow up to $500,000 with no closing costs.
Learn More

Want to Know Your FICO® Score? We’ve Got You Covered.

Your credit score can impact your eligibility and interest rate when you buy a home or apply for a loan or credit card. Knowing your credit score helps keep you in control.
Jovia members can access their FICO® Score in Online Banking and the Jovia Mobile App. Your score is updated quarterly to help you better understand your financial health.
Click here to view our FICO® FAQs

Not enrolled in Online or Mobile Banking?

Plan for a Healthy Financial Future with Our Online Seminar Series.

See what's coming in February and March!
Understanding Medicare
February 2nd @ 6:30 pm EST

Rollover Planning
February 10th @ 6:00 pm EST

How to Weather a Bear Market
February 18th @ 6:00 pm EST

The Return of Conservative Investing
February 24th @ 6:00 pm EST

Women & Investing
March 2nd @ 6:30 pm EST

The Three Transitions to Retirement 
March 17th @ 6:00 pm EST

Social Security & Your Retirement
March 24th @ 6:00 pm EST

Income for Life
March 31st @ 6:00 pm EST

Register Today
Questions? Unable to attend but would like more information?
Call Lillian Pabst at 516-714-2052
or email at [email protected] for assistance or to set up a complimentary appointment with one of our advisors.
Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.

These workshops are for educational purposes only and are not investment advice. If you need advice regarding your financial goals and investment needs, contact a financial advisor. All guarantees are based on the claims-paying ability of the issuer. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries, and affiliates. Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state and may not be available in all states or through all broker/dealers. Asset allocation and diversification do not guarantee a profit or prevent a loss. See your prospectus for details about your investment options and refer to the fund prospectus for information on specific investment objectives. Variable annuities are sold by prospectus only. You can obtain a prospectus by contacting your financial advisor or the insurance company. Read it carefully.

How to Save for a Wedding

Are you planning a wedding in the near future? Congratulations! 

This is an exciting time filled with special moments to look forward to, arrangements to coordinate, and expenses to consider. Big wedding or small, creating and sticking to a budget and opening a savings account will help you start saving for your walk down the aisle.
Learn More
Fee-Free Withdrawals at over 55,000 ATMs  
Not near a Jovia ATM? No problem. You can withdraw cash fee-free at more than 55,000 ATMs throughout the United States and around the world. Just look for the Allpoint® logo when you’re on the go.
Plus, if you have a Go Green Checking Account and meet the account requirements, we'll reimburse you up to $20 per month for any out-of-network ATM fees you may incur!
Find an ATM

Important Dates

Monday, February 15, 2021
Jovia will be closed in observance of

Presidents' Day

Save the Date:
Thursday, April 22, 2021
82nd Virtual Annual Meeting
6:00 pm

Register Today

Named Forbes 2019 & 2020 Best in State Credit Union

1000 Corporate Drive, Westbury, NY 11590