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New Membership

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Eligibility
Applying is fast and easy!
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:
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:
Remove Product
Required Products
Select at least one of the following products required for membership
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: 0.15% Min Deposit: $0.00


You may select one of the following products
Available Products
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: 0.50% Min Deposit: $2,500.00

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: 0.40% 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: 0.30%

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.

APY: 1.50%

3 Month 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: 0.30% Min Deposit: $1,000.00

6 Month 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: 0.40% Min Deposit: $1,000.00

1 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: 0.50% Min Deposit: $1,000.00

18 Month 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: 0.60% Min Deposit: $1,000.00

2 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: 0.70% Min Deposit: $1,000.00

3 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: 0.75% Min Deposit: $1,000.00

4 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: 0.80% Min Deposit: $1,000.00

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: 1.00% Min Deposit: $1,000.00

APY (Annual Percentage Yield)
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Application Cancelled

We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.


Funding

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Funding
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Fund via Internal Transfer

Fund via Credit Card

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'Doing Business As' Information

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'Doing Business As' Information
DBA Business Information
Your Business Tax ID is used for identification purposes.
DBA Physical Address

Tell Us About Yourself

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Tell Us About Yourself
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment

Click here to upload any required documentation (Drivers License, Passport, etc.)

Co-Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Minor Applicant Information

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Tell Us About Yourself

Joint Applicant Information

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About Your Joint Applicant
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment
Click here to upload any required documentation (Drivers License, Passport, etc.)

Beneficiaries Information

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Tell us about your beneficiaries
Are you sure you want to remove this beneficiary?
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Beneficiaries percent share information page

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Tell us about your beneficiary percent shares

Other Products


Please indicate the percentage of the payout each beneficiary will receive:



Press this button if you want to assign an equal value to all beneficiaries.

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%.