Learn and Grow
Cars... Buy 'em or Lease 'em
Ah, the always hard to answer question: Buy a car or lease a car? While relaxing in her own (or leased?) car, Jo from Jovia presents a question-and-answer session about which option is best based on your needs when it comes to cars.
Looking for a better set of wheels?
When it’s time to jump in the car and hit the open road, turn to Jovia for some help with finding your ride. Whether you know exactly what you’re looking for, or you’re just starting to explore your options, we can help you research, find and finance your next car at the best price and best rate with ease and convenience.
2019-2023 Rates & Terms
Looking for a used vehicle? No problem! Our rates and terms for cars sold between 2012-2018 can be found here.1
Credit Unions vs. Banks
What is the difference between a credit union and a bank? Jo from Jovia covers the similarities – and differences – between the two types of financial institutions. (Oh, if you live on Long Island, within our field of membership, you’ve already met one requirement to join Jovia!)
Don’t skip this video! Jo from Jovia explains budgeting. Like it or not, budgeting is necessary to keeping a well-ordered financial life. And, its not as difficult as you might think, thanks to Jo’s explanation of the “50-30-20 rule!” Remember this. You’ll be glad you did.
Have you wondered what some of those financial acronyms actually mean, but were afraid to ask? Jo from Jovia explains a number of them in this video (along with an entertaining tongue-twisting listing of them that’s worth the watch).
Did you know that your credit score could be thought of as a “financial report card?” Jo from Jovia presents a checklist of what it takes to maintain a good credit score, from keeping low balances to paying bills on time. Find out more about the credit services offered by Jovia Financial Credit Union. (You’ll also have a chance to see Jo’s unusual avocado plant.)
Online shopping is convenient, easy - but risky. Knowledge is power, and Jo from Jovia is here to offer some basic knowledge of what to be on the lookout for whenever you shop online, as well as how to guard against scam sites.
Confused about applying for your very first mortgage? Don’t be. Jo from Jovia has the tips you should know. Learn about rates, costs, fees, types of mortgages, and…well, we don’t want to scare you, so check out the video.
1 Jovia Financial will finance vehicles from 2012 and newer. The minimum vehicle loan amount for a 6-year term is $15,000; the minimum for a 7-year term is $25,000, and the minimum for an 8-year term is $30,000. Not all borrowers will qualify for the 96-month financing. In order to qualify, the borrower must maintain a credit score of 670 or higher. Only new vehicles will qualify for an 8-year term with a maximum loan-to-value equal to 100%.
2 Monthly payments per $1,000 borrowed.