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Eligibility

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You will need the following information in order to complete the application:

Government issued ID/Drivers License/State ID or Passport with current address

Your complete physical and mailing address

Social Security Number

Date of Birth

Select your eligibility

I live in Nassau or Suffolk County.

Zip Code:

I work in Nassau or Suffolk County.

Employer's Name:Employer's Zip Code:Employer's AddressEmployer's CityEmployer's State

I can be sponsored by an existing Jovia member who is an immediate family member or a household member.

Sponsor's Relationship:Sponsor's Name:

I attend school in Nassau or Suffolk County.

Name of school:Zip Code of school:School AddressSchool CitySchool State

I am applying through the Credit Union Foundation

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Available Products

Recommended Money Market Savings Checking Certificate Account

Membership Savings Account

Save at a better rate. Grow what’s yours. Open a savings account to get competitive interest rates. Access cash at thousands of fee-free ATMs nationwide or with Online and Mobile Banking, available 24/7.

APY: 0.10% Min Deposit: $0.00

Online Savings

A high-yield savings account with the convenience of branch-free transactions and online-only account management. By opening an Online Savings Account, you agree to changing your entire membership status to a digital member which requires all transactions performed by you for all Jovia accounts (whether preexisting or with another member) to be without any personal assistance.

APY: 3.75% Min Deposit: $0.00

Student Savers

A high-yield savings account for students aged 18 - 25 years old, to help start their savings off strong. This account requires an initial deposit of $5.00 and enrollment in paperless statements.

APY: 5.00% Min Deposit: $5.00

Money Market

Get rewarded for growing your balance! Our Money Market account rates increase as your balance does. Grow your savings, but still withdraw money when and where you need it.

Max APY: 2.00% Min Deposit: $0.00

Tuition Builder

A smart savings vehicle for educational expenses such as college tuition, room and board, and more. This account type can be accessed for educational expenses when presenting a tuition bill, or at any time within the designated withdrawal periods from June 1st–June 30th and December 1st–December 31st of each calendar year.

APY: 1.64% Min Deposit: $100.00

Special Purpose Savings

Formerly our Club accounts, this account provides a structured way for you to put money aside for those fun times like that night on the town, a new pair of shoes, or any other special occasion.

APY: 0.10%

Go Green Checking

Our free checking account gives you access to Online and Mobile Banking, with no minimum balance requirements, no monthly fees and no minimum to open. Your first order of checks is even free and you can get cash fee-free at over 55,000 ATMs. Plus, you can earn interest just by doing the things you already do—like paying for stuff with your Debit Card, going paperless and using Direct Deposit or Bill Pay. Do these things and we will also refund up to $20 a month in ATM fees when you use out-of-network ATMs. Please visit, jovia.financial/checking for more details.

APY: 5.00%

CareFree Checking

With CareFree Checking**, you can be worry-free when it comes to those pesky overdraft fees. We know you don't need another fee, so we got rid of them. Woo hoo! So, if your debit card charge, online payment, or check payment exceeds your available balance, we won't hit you with a penalty fee. It's one less hassle to worry about so you can get back to doing the things you need to do.

APY: 0.00%

3 Month Term Certificate

Tired of riding the ups and downs of the stock market? There’s a safe and easy way to grow your money, without the risks of the market. A certificate is a great option that offers a guaranteed return on your money – that means you’ll know exactly what you’re earning, and when it comes to your money, that kind of predictability means peace of mind.

APY: 1.25% Min Deposit: $100.00

5 Month Term Certificate

APY: 4.25% Min Deposit: $100.00

6 Month Term Certificate

APY: 1.50% Min Deposit: $100.00

11 Month Term Certificate

Tired of riding the ups and downs of the stock market roller coaster? Jovia has a healthy and safe way to grow your money, without the scary fluctuations of the market. A Jovia Certificate account is a great investment vehicle, for the short or long-term, that offers you safety, security and a guaranteed high yield.

APY: 4.00% Min Deposit: $100.00

1 Year Term Certificate

APY: 1.75% Min Deposit: $100.00

18 Month Term Certificate

APY: 3.25% Min Deposit: $100.00

2 Year Term Certificate

APY: 2.00% Min Deposit: $100.00

25 Month Term Certificate

A Jovia Certificate account is a great investment vehicle, for the short or long-term, that offers you safety, security and a guaranteed high yield.

APY: 3.50% Min Deposit: $100.00

3 Year Term Certificate

APY: 2.25% Min Deposit: $100.00

40 Month Term Certificate

APY: 3.25% Min Deposit: $100.00

4 Year Term Certificate

APY: 2.25% Min Deposit: $100.00

5 Year Term Certificate

Our Certificate accounts are great for a short or long-term investment that offers you a guaranteed high rate with a low minimum opening balance for terms from 3 months to 5 years.

APY: 2.50% Min Deposit: $100.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.00%	0.00%	$0.00	$0.00	N/A
.	0.50%	0.50%	$2,500.00	$0.00	N/A
.	0.75%	0.75%	$25,000.00	$0.00	N/A
.	1.00%	1.00%	$50,000.00	$0.00	N/A
.	1.00%	1.00%	$75,000.00	$0.00	N/A
.	1.24%	1.25%	$100,000.00	$0.00	N/A
.	1.49%	1.50%	$250,000.00	$0.00	N/A
.	1.74%	1.75%	$1,000,000.00	$0.00	N/A
.	1.98%	2.00%	$5,000,000.00	$0.00	N/A

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'Doing Business As' Information

DBA Business Information

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SSN

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Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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Personal Information

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SSN

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

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As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

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Are you an employee of Jovia Financial Federal Credit Union?

SSN

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

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Gender

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Mother's Maiden Name

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Address

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Address

Zip

City

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ID Number

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Other Products

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In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

Important Account Information

https://cdn.joviafinancial.com/uploads/documents/TIS-Consumer-Revised-022020-clean-copy.pdf

Please note: Interest will begin accruing on the day the account is funded.

https://cdn.joviafinancial.com/uploads/documents/privacy-policy.pdf

eConsent:

https://nefcu.custhelp.com/ci/fattach/get/508/0/filename/e-Consent%20Disclosure.pdf

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