Jovia Financial Credit Union
March 2021

Open the door to your new home

Whether it’s your first home or your dream home, Jovia can help you on your path to homeownership. Choose from a variety of options, including fixed, adjustable, and jumbo mortgages. Our mortgage team can help you decide which choice is right for your needs. 
Brighten up your home. 
Get a $250 Home Depot® Gift Card when you purchase your new home with a mortgage from Jovia1. Apply by December 31, 2021, to be eligible for this special offer!
Apply for a Jovia mortgage in 15 minutes or less from your mobile phone, tablet, or computer and take advantage of:
  • Competitive rates
  • First-time homebuyer programs
  • Low down payment option
  • No closing cost option^
Apply Today!
^Jovia Financial does not charge closing costs on the no-closing cost option. Member is still responsible for certain mortgage settlement costs. The Home Depot is a registered trademark of Homer TLC, Inc. 
Digital payments provide a contactless payment and offer a convenient alternative to paying cash. As with any financial transaction, it's best to be alert and follow some simple tips to avoid falling victim to fraud.
  1. Use a trusted digital payment provider. Jovia offers a convenient and secure option for making digital payments using Zelle.® Transferring money from a mobile device using Zelle is like giving someone cash. Be sure to only send money to people you know and trust.
  2. Look out for fraudulent apps. Before you download a digital payment app, ensure the app is a legitimate mobile banking/payment app from your credit union, bank, or payment provider. 
  3. Don't click on links sent via text, email, or online pop-ups claiming to be from your financial institution. The most common method hackers use to spread malware is through malicious links, apps, and downloads. 
  4. Do not respond to any text messages or emails asking for financial or personal information. Do not share your PIN, card numbers, or your card's CVV number.
  5. Verify your payment recipient's User ID to ensure you are sending payments to the correct person.
  6. Have a dedicated credit card payment method for online transactions. It will be much easier to notice purchase irregularities.
  7. Set up debit & credit card transaction alerts. With Jovia's Card Controls service, you can receive transaction alerts for your Jovia debit and credit cards by text, email, or push notifications right to your mobile device. 
  8. Check your account statements. If you log in to Online and Mobile Banking regularly, you'll spot any inconsistencies. 
  9. Use a strong password and change your password regularly. Avoid reusing old passwords that can put your account at risk.
  10. Do not use public wi-fi when making digital payments. If you need to make an online payment when you're out and about, use your mobile data instead.
Follow these tips to help keep you safe from digital payment fraud and scams. Our Personal Cybersecurity Tips article offers additional ways to keep your personal information safe and secure. 
Read the Article
Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Supporting our local business community

Great news! Jovia has partnered with ACAP & The Loan Source to offer the Small Business Administration’s Paycheck Protection Program 2.0 to Long Island businesses. We’ve streamlined the process to help local businesses get the money they need to keep their workforce employed during these challenging times.
Learn More

Building a bright financial future

It’s never too early to teach your kids the value of savings. Learning how to save and spend responsibly can help your kids lay the foundation for future financial success.

Start them off saving and get a gift card!
Open any first-time Youth Account with $100 before March 31st, and you’ll receive a $25 Amazon Gift Card! 2
Schedule an appointment at your local Jovia branch to get your kids started!
We offer two great youth programs that teach kids how to manage money:

Dollar Dog Kids Club Account
  • For kids ages ten (10) and younger       
  • $5 minimum to open
  • Earn 1% APY on your entire balance

Elements Teen Club Account
  • For pre-teens and teens ages 11-17
  • $5 minimum to open
  • Earn 1% APY on your entire balance
Learn More

Jovia extends partnership with We Connect the Dots to support 2021 Code-a-Thon Program

Jovia Financial Credit Union is a lead partner of We Connect The Dots, a Westbury, NY-based non-profit that offers at-risk youth the opportunity to engage in experiential learning programs for Science, Technology, Engineering, Arts, and Math (STEAM).
Jovia’s sponsorship supports the annual Code-a-Thon and other educational programs from throughout 2021. These programs help to prepare students for entry into America’s evolving workplace.
Learn More

Jovia Scholarship Opportunities

Jovia’s College and Community College Scholarships award $3,000 to selected undergraduate and graduate students enrolled in an accredited college, community college, or associate’s degree program.
We are accepting applications now through April 15th.

> Learn More and Apply

Jovia’s Family Scholarship offers $3,000 to eligible high school seniors.
We are accepting applications now through May 1st.

> Learn More and Apply

Credit Unions vs. Banks

What’s the difference between a credit union and a bank? As a Jovia member, you know the advantages of credit union membership first-hand. So, let’s spread the word! Jo from Jovia covers the similarities – and differences – between the two types of financial institutions.

Watch the video to learn more:

Convenient car shopping with Jovia

Are you ready for your next car? Before you head out to the dealership to look for a new or pre-owned vehicle, we can make it easier to research, find and finance your next car. 
  • Great low rates to keep your monthly payments affordable
  • Flexible terms for new and used vehicles
  • An extensive dealer network to help you find the perfect ride
Learn More

Novak Motors
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Important Dates

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