Jovia is committed to supporting members impacted by disasters. If you have been directly affected by a natural disaster and have a financial need, we're here to help. Learn more

In light of the recent government shutdown, we want our members who have been impacted to know that we are here to provide support and assistance. If you have or will be financially impacted by the government shutdown, learn about the options available to you here.

Jovia Visa Advantage Card

Show off your card, and its great low rate!

Whether you’re looking for your first credit card, want to build credit, or just need a card with a low introductory rate, Jovia’s got the card for you!

With Jovia’s Visa® Advantage Credit Card, you’ll enjoy an introductory rate as low as 1.85% APR1 on purchase and balance transfers for the first 12 months. Then, enjoy a competitively low rate when that introductory period ends. Woohoo!

Open Account
girl showing off credit card

Choose what's right for you

This is a carousel with rotating slides. Use Next and Previous buttons to navigate, or use the slide dots to rotate and go to the next/previous slides.

Save & Spend

Tired of paying fees for using your bank? Us, too. That’s why we reward you for growing your balance and using your account.

Start Saving

Credit Cards

Whether you're building credit or looking to earn cash back with every swipe, we give you the flexibility you need to help you spend smarter.

Compare Cards
Mortgages illustration

Borrow

Have dreams of owning a home or buying a new car, but lack the funds? Our low-rate loans can help you reach your goals.

Find Financing

Invest & Plan

Start planning for the future you want with the help of our team of experts who will help you reach your long and short-term financial goals.

Start Planning

Learn & Grow

From buying a home to saving for retirement, there’s a lot to learn. You can learn everything you need to know with our curated advice.

Get Advice

Account Recommendations

Not sure where to start?

Tell us about your financial situation and we'll make suggestions to help you reach your goals and lead in life.

The following is a question and answer module. Select one of the answers for the question to proceed to the next question.

How does this statement describe you?

I'm just getting started managing my own personal finances

1APR = Annual Percentage Rate. The stated promotional rate of 1.85% APR is valid for 12 months for purchases and balance transfers from the date of account opening. Use of your card for purchases and balance transfers constitutes your agreement to the stated terms, as well as your account terms as a Visa® cardholder. Balance transfers must post to your card by the end of the promotional period. After the promotional period, the cardholder's APR will default to the cards non-promotional APR ranging from 13.24% - 17.99%. Offers do not apply to Business Cards. Existing Jovia Financial Credit Union balance transfers are subject to the standard account rate. Not all applicants may be approved. Refer to Visa Advantage Terms and Conditions for account details. Transactions fees for Visa® Advantage include 3% of the transaction amount for cash advances.

Become a Member