Student Resource Center

Financial knowledge is pricele$$

At Jovia, your best interest is always in mind! Because let’s be real - that’s how it should be! We’re more than just a place for you to put your money, but a place for you to learn how to manage your money better, make the most of each dollar, and stress less.

Whether you’re just starting your journey of financial independence or are looking to develop healthier money management habits, we’re here to help!

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Bank here, there, or anywhere.
An ATM here, there, or anywhere

Away at college? Traveling somewhere far? Or just not near a Jovia ATM and need cash while on the go? Have no fear! You can enjoy free cash withdrawals from your checking account at over 55,000 Allpoint® Network ATMs worldwide2,with many accepting cash deposits as well.

Just a chat, text, or phone call away

With Jovia’s Virtual Branch, we’re always within reach, and you choose how to reach us! Chat, video call, or phone call with a live representative during business hours. And, if it is after hours, Jovia’s Virtual Assistant, Via, can help assist.

Online & Mobile Banking

With our online and mobile banking app, we go beyond just making it simple for you to check your accounts while on the go, but we make it easy to budget, save, and keep your accounts secure with our tools and resources. Learn more about our online and mobile banking tools and resources.

Advice

Some of the best lessons are not always learned in a classroom.

Our educational articles provide you with the knowledge and resources to better understand how to manage your money, where to save, and how you can invest in your future.

Calculator

Student Budget Calculator

Enter your monthly income and your monthly and yearly expenses to find out your net monthly and yearly savings.

Monthly
Savings

Yearly
Savings
Monthly Expenses
Yearly Expenses

For college students, budgeting can be difficult due to a variety of factors. Let our college student budget calculator help keep you on track!

Start your savings off strong

Student Savers Account

With Jovia’s Student Savers Account, you’ll be able to give your savings a boost by earning 5.00% APY* on balances up to $3,000. How cool is that? Open a Student Savers Account with as little as $5 and watch your savings grow.

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Student Savers Rate

Balance

APY

Rate

Minimum to Earn APY

Balances ≤ $3,000.00 5.000% 4.889% $5.00
Balances ≥ $3,000.01 0.100% 0.100% $5.00

A checking account for now, savings for later

CareFree Checking

With Jovia’s CareFree Checking account, you can say goodbye to those fees, and worry about things that matter, like that degree or those weekend plans. So, if your debit card charge, online payment, or check payment exceeds your available balance, we won't hit you with a penalty fee. And, with Jovia’s CareFree Checking account you'll also enjoy no minimum balance fees, no monthly maintenance fee, and no minimum opening fee.

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Ready to build credit?

Visa® Advantage Credit Card

Jovia’s Visa® Advantage Credit Card is a great credit card for college students or for those who are looking to open a credit card for the first time. Jovia’s Visa® Advantage Credit Card has a low introductory rate on purchases and balance transfers so that you can lower your monthly payments!

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Continuing your education?

Student Lending & Refinancing

Pursuing your education can be an exciting time, but it can also be stressful. Especially when figuring out how to cover the cost of college. Jovia has collaborated with College Ave Student Loans to provide private student loans and refinance options to students1. Check out our helpful articles that can help explain things like private vs. federal student loans, how to apply for a student loan, and how to refinance an existing student loan. That way, you can feel confident and comfortable in your decision before you head off to college!

Learn More >

Plus, we also offer college scholarship programs! Learn more about our scholarships and apply.

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Beep-beep! Buying or leasing a vehicle?

Auto Loans

Jovia’s auto loans can help put your car-purchasing dreams into gear! Just starting your car search? Our trusted dealer network, can help you find and test your new vehicle. And, once you’re ready to hit the gas and make the purchase, our competitively low rates, and flexible terms will give you confidence and comfort in your buying decision. Looking to slow down and understand the difference between leasing and financing? Jo is here to help!

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Social Consciousness Initiatives
Giving you the power to be empowered

At Jovia, we know that where you put your money matters. We know it goes beyond just offering products and services to our members but a place where they feel like they are supported and their values matter.

Preferred name on card

Being yourself is your best self, and at Jovia, we are committed to making you feel valued and recognized for who you are and all you are. That’s why we allow you to add the preferred name you would like displayed on your debit and credit card. Add your preferred name here.

Go Green Mission

Our collective efforts can help change the future! At Jovia, we believe it’s important for you and future generations to have a cleaner and more sustainable future. That’s why our Student Savers Account has paperless statements; we offer electric charging stations at our Westbury branch and more.

Jovia is here to help you fight fraud and keep those funds safe

When you save with Jovia, you'll feel good knowing your savings are fully insured up to $250,000 by the NCUA. And, that's not all Jovia is doing to help keep your money safe. Check out our Security Center, where you can go to learn about the latest scams, what you can do to protect your personal and financial information, and the features Jovia has available to keep your accounts safe.

Learn More

Frequently Asked Questions

There are thousands of locations where you can access your money surcharge-free. Get or deposit cash at any of our credit union ATMs or at thousands of Allpoint® ATM's nationwide.

Find an ATM

Plus, if you have a Go Green Checking Account and meet the account requirements, we'll reimburse you up to $20 per month for any out-of-network ATM fees you may incur!

To get started using Zelle, log into Jovia Financial Credit Union's Online Banking or Mobile app, and select "Zelle®". Then, follow these steps:

  1. Click get started
  2. Accept the terms and conditions
  3. Accept receival of text messages
  4. Choose Primary Account (for incoming Zelle payments)
  5. Confirm your information (this can be edited in Settings later)
  6. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle.

*Please note: If your email or phone number is associated with Zelle at another financial institution, you will see the option to transfer it to Jovia.

In order to use Zelle, both the sender and recipient's bank accounts must be based in the U.S.

* Annual Percentage Yield. Must enroll in paperless statements to meet account qualifications to earn APY. When qualifications are met, earn 5.00% on balances up to $3,000 and earn 0.10% on balances over $3,000. This account requires an initial deposit of $5.00. Account is limited to students ages 18-25. Student Savers account will automatically convert to a share savings when the member reaches age 26. Jovia reserves the right to ask for proof of student status. Limited to one per member. Rates and terms are subject to change without notice.

1 Jovia Financial FCU is not the lender for any Student Loans or Refinance Options for existing student loans. Jovia Financial has a contractual agreement with a third-party provider, College Ave, to make this product available to its members. By requesting this service, you are consenting that your information will be shared with College Ave, the third-party provider and its lenders.

2 Allpoint® ATMs are fee-free for cash deposits and withdrawals only. Other fees may apply. For more information, please refer to our fee schedule.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

** Entry period valid from May 1, 2024 through September 30, 2024 and is available online and in our Jovia branch locations. New Student Savers accounts only. Existing Student Savers accounts and applications submitted prior to the promotional period do not qualify. Only one entry per member. All offers can be withdrawn at any time and are subject to change without notice. Membership eligibility requirements apply. Employees, volunteers and affiliates of Jovia, and their immediate families are not eligible for a prize. Jovia and its agencies assume no responsibility or liability for damages, losses or injury resulting from acceptance or use of any gift. Two winners will be randomly selected each month within the first week of the following month. Winners selected and emailed at the email address provided on their account no later than seven (7) days after each monthly drawing. Potential winners must respond to the email to claim prize within five (5) days of being notified. Winners will receive an account credit to their Jovia Student Saver account and will be reported on the applicable IRS Form. Please visit click here to view official rules.