Advice

Let's talk money

Talking about money can be pretty awkward, especially if you're not familiar with all the lingo we use in banking. But the reality is that talking about money shouldn't be that awkward, nor should understanding money management require an accounting degree. That's why we're committed to sharing with you everything we've learned from serving Long Island for over 80 years.

Whether you're just getting to know us, and trying to understand the differences between a credit union or bank, or moving onto big investments, like buying your first home, we have some tips to help you on your way.

Advice

Advice | Borrowing

5 Things You Need to Know About Auto Loans

In the market for a new car or truck? Then you’re likely also shopping for a car loan, too. Your auto loan will affect your monthly budget for the full term of the loan, so it’s important to do your research and make an informed decision before finalizing it. Here’s some helpful information to consider when deciding on an auto loan.

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4 Minute Read
Advice | Credit Card

Credit Card Tips for Beginners

Using your credit cards responsibly is a great way to boost your credit score and improve financial wellness. Let's review the best habits when it comes to using your credit card.

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5 Minute Read
Advice

Should I Buy An Electric Car?

Is a good time to consider purchasing an electric car. This is a question thousands of drivers are considering as gas prices peak.

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4 Minute Read
Homebuying

Buying A New Home Guide

Buying a new home step by step, so you’ll never have to wonder what happens next.

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18 Minute Read
Security

Tips on How to Spot and Prevent Fraud

Keep your information safe & secure with these tips on fighting fraud.

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4 Minute Read
Homebuying

Refinancing Your Home Guide

How, when and why to refinance to get the most value from your home loan.

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8 Minute Read
Homebuying

When it's Time to Upsize Your Home

What to consider before upsizing your home.

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2 Minute Read
Homebuying

Reasons to Consider Refinancing Your Mortgage

Let’s go over some of the major reasons why refinancing your mortgage may be right for you.

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3 Minute Read
Homebuying

Five Tips For a Successful Home Loan Approval

Set yourself up for success with these 5 tips.

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4 Minute Read
Homebuying

Everything You Need To Know About the Appraisal Process

Breaking down the process and everything you know about home appraisals.

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3 Minute Read
Advice

Should I Open An IRA?

No matter what life or career stage you are in, it’s always a good idea to think about your financial future and how you can save for retirement. Knowing how to get started can be overwhelming even if you’re familiar with some types of retirement accounts. This article will answer the most commonly asked questions when deciding to open an IRA, explain the benefits of IRAs, and guide you through the first or next step on your financial journey with confidence.

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4 Minute Read
Security

Fighting debit card fraud

Unfortunately, in today’s world, fraud and identity theft are a common occurrence, and that can make the world seem like a scary place. However, with a vigilant attitude and the right precautions, you can help protect yourself from being a victim of debit card fraud. Read this article to learn more about how to keep yourself safe.

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4 Minute Read
Homebuying

Should I buy a house now?

To buy or rent a home? It’s a question many Long Islanders face when choosing where to live. Everyone has an opinion, but only you can decide what’s best for you. Since no two situations are alike, the choice to buy a home now or in the future is personal. Before you sign your next lease or hit the pavement house hunting, learn the key factors you should consider before buying a home.

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5 Minute Read
Borrowing

What can I use a personal loan for?

Thinking about applying for a personal loan, but you’re unsure what you can use it for? You’re not alone. Personal loans are flexible and can be used for just about anything. Learn the common situations a personal loan can be used for and how it can help you financially.

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3 Minute Read
Budgeting

The smartest way to pay off student loans

While some believe the experience of a college education is priceless, those with student loan debt may not agree. Whether you’re about to start making student loan payments or you have been trying to make a dent in the amount you owe for years, these tips on to how to pay off student loans can help you determine the best way to pay off your loans faster. What an exciting thought!

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4 Minute Read
Advice

How to join a credit union

Looking for a place to stash your cash and wondering if a credit union is right for you? Credit unions offer great rates, personalized service, and are usually located where you live and work. This article will explain how to join a credit union and what it means to be a member at Jovia.

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5 Minute Read
Budgeting

How to save for a wedding

Planning a wedding in the near future? Congratulations! This is an exciting time full of new beginnings, arrangements to coordinate, and expenses to consider. Our guide will explain how to set a wedding budget and open a savings account, so you can start saving for your walk down the aisle.

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6 Minute Read
Homebuying

How do mortgages work?

Buying real estate will likely be one of the largest investments you make. Whether it’s your first home or your dream home; each purchase is unique and may have you asking questions like, what is a mortgage? How do mortgages work? And, how do I apply for a mortgage? We know there’s a lot to understand and we’re here to help. This article will explain the key factors of the mortgage process so you can eliminate the guess work and apply and buy with confidence!

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3 Minute Read
Advice

How couples manage money

So, you’re coupled up and excited to share your life with your significant other, happy times! Whether you’re in a long-term relationship or beginning something new, there’s more to think about besides combined living spaces, daily routines, and remembering whose turn it is to wash the dishes. Deciding how to collectively manage finances as a couple is an important part of any relationship. This article will discuss the pros and cons of individual and joint bank accounts so you can determine what’s best for you.

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3 Minute Read
Budgeting

How to budget for the holidays

‘Tis the season! The holidays are full of hope, joy, food, family, shopping, and, let’s not forget, stress! It’s a time known for giving and receiving, and if you’re thinking about planning for the holidays, especially in times of economic uncertainty, you’re not alone. We’ll explain how to budget for the holidays, so you can give without getting into debt.

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5 Minute Read
Budgeting

Setting up savings accounts

The importance of saving money for your future and the basic knowledge of how savings accounts work may be well known, but a frequently asked question when starting to save, is how many savings accounts should I have? Learn why you may need more than one savings account, how much money you should have in each, and how to set them up in this article.

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5 Minute Read
Homebuying

First-time homebuyer mortgages

Exciting times, you’re ready to become a homeowner. Buying a home for the first time can be exhilarating and nerve wracking, especially when it’s time to apply for a mortgage. Before the search begins and house hunting starts, learn what it means to be a first-time home buyer, 10 key steps to buying a home, first-time home buyer mortgage options and how to apply.

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7 Minute Read
Advice

How to stay on top of your credit

Our credit follows us through life and captures the good, the bad, and the ugly. That’s why it’s important to stay informed of your score and on top of your credit reports. Credit monitoring helps millions of individuals, just like you, understand their finances, catch potential fraud, and alert them to changes in their score. Learn the benefits of credit monitoring and how to get started monitoring your accounts.

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6 Minute Read
Security

How to prevent identity theft

Living in a digital world makes us more susceptible to having our personal information stolen without even realizing it. In the US, 33% of adults have experienced identity theft. Read this article to learn how to prevent identity theft, and what to do if it happens to you.

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5 Minute Read
Security

Personal cybersecurity tips

Did you know there is a new victim of identity theft every two seconds? While our digital world helps make our lives more convenient, it also forces us to proactively look for ways to keep our personal information safe and secure. Learn more about personal cybersecurity tips in this article.

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6 Minute Read
Borrowing

How does a home equity line of credit work

If you have recently asked yourself, what is a home equity line of credit and how does it work, you’re not alone. It’s a frequently asked question when homeowners need cash. A home equity line of credit can get you the money you need when you need it. We’ll explain the process of how it works and what it can be used for so you can determine if a HELOC is the right choice for you.

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3 Minute Read
Budgeting

Money management for college students

The college experience is about learning, growth, and, of course, fun! What can be a very exciting time can also be overwhelming, especially if you’re on your own and managing your finances for the first time. Check out these tips on how to save money in college while having the time of your life.

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4 Minute Read
Borrowing

How to apply for a personal loan

If you’re in need of some breathing room, a personal loan can help. Whether you’re managing unexpected expenses, making a major purchase or just want to have some fun, a personal loan can be used for almost anything. We’ll explain how to apply for a loan and what you need to get started.

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2 Minute Read
Advice

Savings accounts for children

Saving for a child’s future is always a good idea, and it’s never too early to start. We’ll explain how to open a youth savings account for the children in your life, the key features to look for and how to get started.

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4 Minute Read
Homebuying

How to get pre-approved for a mortgage

The search is on! You’re in the market for a new home. Before you hit the pavement visiting open houses, you’ll want to get preapproved for a mortgage. We’ll explain how to get preapproved for a mortgage, why it’s an important step in the home buying process and the documents you need to get started.

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4 Minute Read
Advice

What's the difference between a credit union and a bank?

Looking for a place to stash your hard-earned cash, but tired of banking where you’re just another customer? Maybe it’s time to invest your money in an institution where your account will give you a voice. Where’s that? Your local credit union. In this article we’ll discuss the differences between credit unions and banks and the key benefits to joining a credit union.

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3 Minute Read
Budgeting

How to budget on a lower income

Being part of the workforce means you’ve probably seen your fair share of ups and downs. It’s not uncommon to be affected by a furlough or layoff at some point in your career. We’re here to help guide you through this challenging time so you can come out stronger. We’ll explain how to budget on a lower income and stretch your dollars further until you’re back on top again.

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5 Minute Read
Homebuying

Homebuying 101: How to make an offer on a house

Your credit is in order, you found the right home at the right price, and you chose a mortgage term that best meet your needs. It sounds like you’re ready to make an offer on a new home!

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4 Minute Read
Budgeting

How to build an emergency fund

Being prepared for an emergency situation can make all the difference. Learn how to build an emergency fund and be prepared for whatever life throws your way.

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5 Minute Read
Homebuying

When should you refinance your mortgage?

Is it a good time to refinance? This is a common question homeowners ask themselves. Check out our tips on the best time to refinance and what to consider before refinancing your home.

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6 Minute Read
Budgeting

What to do with your stimulus check

Congress approved a $2 trillion stimulus package in response to the coronavirus relief fund and checks are already being received by taxpayers. Learn your options for what you can do with your stimulus check here.

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3 Minute Read
Homebuying

Homebuying 101: Fixed Rate vs Adjustable Rate Mortgages

Do you find yourself trying to figure out whether a fixed rate mortgage or adjustable rate mortgage is right for you? We can help!

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5 Minute Read
Advice | Homebuying

Homebuying 101: Finding the right home for the right price

Every day, Jovia works with members who are exactly where you are. We’ve got some great guidelines and tips on finding the right home and buying it at the best price possible so you can enjoy the home-shopping process rather than worry your way through what should be an exciting time in your life.

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5 Minute Read
Advice | Homebuying

Homebuying 101: Getting your credit in order

Congratulations! You’re considering buying a home-maybe your first. It’s a big step in life and it can be exciting, but it can also be a bit intimidating … at first. There’s lots of lingo to learn and lots of things to do between now and the day they hand you the keys. But, trust us, you can get there and Jovia can help!

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9 Minute Read