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!
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.
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.
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.
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.
Savings
Savings
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.
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.
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!
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!
Plus, we also offer college scholarship programs! Learn more about our scholarships and apply.
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!
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.
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.
With Jovia’s Stash My Cash feature, you can round up your debit card purchases to the nearest whole dollar and drop it into a separate savings account! Use the money you’ve saved for a fun night out, vacation, or even donate it to a charity you choose. So, you can feel good while saving! Enroll in Stash My Cash.
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.
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.
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:
- Click get started
- Accept the terms and conditions
- Accept receival of text messages
- Choose Primary Account (for incoming Zelle payments)
- Confirm your information (this can be edited in Settings later)
- 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.