THRIVE FINANCIAL EMPOWERMENT PROGRAM
It’s your time to Thrive.
At Jovia, we are committed to helping members find a brighter path to financial success, and your journey starts today. Let’s work together to help you get where you need to go.
Whether you’re looking for a more accessible checking account that doesn’t charge overdraft fees, a credit card to establish or improve your credit score, or a better understanding of managing a monthly budget, we’ve got you covered. Jovia’s products, services, tools, and resources help you establish your financial roots, empowering you to thrive while meeting your financial goals.
Products to help you prosper
Share Savings
All you need to open an account and start saving is $5. Plus, you open the door to all the benefits of credit union membership.
- No monthly fees
- $5 minimum balance
Special Purpose Savings
Turn a savings goal into reality, like creating an emergency fund, saving for a car purchase, or preparing for a downpayment.
- Set up automatic recurring deposits
- Identify specific payout dates
CareFree Checking1
A checking account with no overdraft fees? Yes, Please!
If you’ve experienced financial challenges and need to improve your checking track record, we have an account to help you get back on track.
Plus, if your debit card charge, online payment, or check payment should exceed your available balance, we won't charge you a penalty fee, so your hard-earned money stays with you.
- No overdraft or insufficient funds (NSF) fees
- No minimum balance fees
- No monthly maintenance fees
Whether you are looking for low-interest, rewards, or a card backed by secured funds, a credit card provides financial flexibility and can be an important tool to build or boost your credit.
Visa® Advantage Card
Pay less on purchases and balance transfers at a low rate.
Credit Boost Secured Visa®
Advantage Card
Get your credit history on the right track with secured funds and no annual fee.
SafetyLine3
Overdraft protection and emergency cash access. Find your peace of mind.
SafetyLine is a variable rate revolving line of credit linked to your Jovia Checking account that provides overdraft protection if your account is overdrawn. You can use the line to avoid missed payments, returned check fees, and declined debit card transactions.
SafetyLine can also give you access to emergency cash starting at $100 to help cover unexpected expenses when you can’t wait until payday. Easily access funds from Online Banking, Jovia’s Mobile App, ITM, or Virtual Branch.
Plus, if you’re new to having a checking account or focused on improving your track record after experiencing a financial setback, managing a line of credit could be helpful in establishing a positive credit history, which may help build or improve your credit score.
- Cover expenses with emergency cash
- Can be used for NSF/Overdraft Protection
- Help build or rebuild credit
- No annual fee
Secured Loans4
Use what you have to build your credit or get back on track.
A poor credit history can have wide-ranging consequences. A low credit score can make it harder to buy a home or purchase a car, and can lead to lower limits, higher interest rates and fewer loan and credit card options.
A secured personal loan uses funds from your savings account as collateral to repair or establish your credit.
Borrow against the funds in your savings account and pay back your loan over time, which helps establish or re-establish your credit. Plus, your savings will earn interest while securing the loan. So, while you are getting back on track, you’re building savings to come back even stronger than before.
- Secure financing at a lower rate
- Build or rebuild your credit
- Continue to grow your savings
Get on the road to financial independence.
As you pack your bags for your next chapter in college or beyond, take Jovia along for the ride. Hit the road ready to navigate banking and managing your money with confidence.
Jovia’s Student Resource Center provides students ages 18-25 with tools and resources, including money management advice, student loan information, a budget calculator, checking accounts, and high-yield student savings that can fuel your financial journey.
Need cash while on the go? When a Jovia branch is not near you have no reason to 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.
Setting Financial Goals
Setting financial goals is an essential step towards achieving greater financial stability and realizing your dreams. Financial goals provide direction and purpose to your saving and spending habits.
Identifying specific goals like saving for a vacation or paying off debt allows you to prioritize your expenses and make informed financial decisions. This approach reduces stress and cultivates a sense of accomplishment as you reach each milestone.
Whether it’s through personalized financial advice or savings tools, Jovia is committed to helping you achieve your financial aspirations, making your journey towards financial security and brighter banking a reality.
Saving and Budgeting
For beginners looking to save and budget effectively, a few simple steps can make a significant difference.
- First, consider setting a goal to save a small percentage, such as 5%, of each paycheck. Consistent saving builds a healthy financial habit over time. Jovia's Savings Goal tool, available in online and mobile banking, is an excellent resource for building healthy financial habits. As you save, you can easily track your progress toward each goal while your money remains in your account. Learn how to set up Savings Goal.
- Next, create a budget outlining your monthly expenses and income to identify areas where you can cut back or save more. Tools like our budgeting calculator or savings goal tracker in Online and Mobile Banking are easy ways to help you stay organized and track your progress. Another useful tip is automating your savings by setting up direct deposits into a dedicated savings account, ensuring you prioritize saving without spending.
- Lastly, take advantage of financial education resources to deepen your understanding and confidence in managing your money effectively.
Budget Calculator
Financial knowledge gives you the power to manage your money, understand your savings options, and invest in a bright future. It’s your time to thrive.
Savings
Savings
Whether you're starting from scratch or looking to improve your credit, there are several effective strategies to consider. When paying with credit, we recommend using a credit card similar to a debit card. Only make purchases when you know you have the funds to cover the expense. This will prevent you from having to carry a balance. This goes along with making sure you are making timely payments on all your bills and loans, as payment history is a key factor in your credit score. Setting up automatic payments can ensure you never miss a due date.
Upon obtaining a credit card, you’ll also want to make sure you spend wisely. Your credit card utilization otherwise known as the amount of money you owe in relation to your credit card limit should not exceed more than 30%.
Next, you’ll want to, monitor your credit report regularly to check for any errors or discrepancies that could be affecting your score.
Additionally, establish a solid foundation by opening a secured credit card, like Jovia’s Credit Boost Secured Visa® Advantage Card. This requires a deposit that acts as your credit limit, making it easier to manage and build credit responsibly.
Advice
Building Financial Resilience: Strategies for Overcoming Financial Stress
In today’s fast-paced world, we’re learning to navigate various financial responsibilities while working toward our goals.
Delivery Scams: Don't Fall for These Common Tricks
Package scams, delivery or parcel scams, have become a go-to tactic for fraudsters looking to exploit people for money, personal information, or both. These scams can range from fake emails and text messages to fraudulent delivery notices. The tactics are clever, but knowing what to look for can help you avoid becoming a victim.
Why a Credit Union is Safer Than a Bank in a Financial Crisis
During times of financial uncertainty, it’s normal to fret about the safety of your own money. Naturally, you want to be absolutely sure that your savings will be secure, even in times of financial crisis.
Understanding Zelle Frauds and Scams: How to Protect Yourself
Zelle is a widely used digital payment service that allows users to quickly send and receive money directly through their financial institution. While it offers convenience and speed, it has also become a target for scammers.
How to Diversify Your Savings Portfolio With A Share Certificate
Did you know that your savings portfolio should be diversified just like your investments? Financial experts recommend giving your savings as much chance of growth as possible by diversifying.
How to Get By In an Emergency: Personal Loan or Credit Card?
We know unexpected expenses, by nature, can come out of nowhere. Your check engine light comes on, and your car requires you put another thousand dollars into keeping it on the road. Or, your air conditioner gives up during the longest heatwave you can remember. No matter what causes these personal catastrophes, they all have one thing in common: They’re expensive.
How to Protect Yourself from Online Scams on Payment Apps
Peer-to-peer (P2P) platforms, like Zelle, Venmo, and PayPal, have made life so much easier for many consumers. They have eliminated the hassle of having to go to an ATM or write a check to pay someone back
Benefits of Opening an Online-Only Savings Account
Over the past few years, online-only savings accounts have been gaining traction and popularity. Many banks and credit unions now offer online savings accounts. So you may be wondering, what is an online savings account, and is it right for me?
5 Ways to Avoid Credit Card Fraud this Holiday Season
With the holiday shopping season heading into its final frenzied stretch, scammers are out in full force to take advantage of busy shoppers. In particular, credit card fraud tends to increase during this time of year.
How you can make the most of your money
Nowadays, it can seem like money comes and goes quickly. So, learning to stretch your dollars and budget can be an important step in building a brighter future. At Jovia, we want to help you reach those financial milestones, both big and small, no matter where you are in life.
How to Teach Children to Save Money
As adults, we know how important it is to save and find ways to feel financially secure. However, getting children on the same page might be challenging. It can be hard for them to grasp the value of money, and it’s our job, to prepare them as best we can for a bright financial future.
What is a Term Certificate?
No one wants to play around with their savings. You work hard for your money, and if you’ve built up a sizable nest egg. Now, you’ll want to put it somewhere safe where it will have the best chance at growth.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!
Jovia@School
No-Cost Financial Literacy Programs
Let’s work together to bring financial education into your classrooms. Jovia’s customized curriculum covers key concepts for students and adults, including:
- Building Strong Financial Habits
- Budgeting
- Understanding Credit Scores
- Using Payment Cards
- Exploring Money Beliefs
- Protecting Yourself Online
- And More!
We’re paving the way to a bright financial future.
If you are ready to bring financial education to your classroom but need help getting started, contact a financial literacy specialist to help build a program with topics customized to your students.
1 This checking account will not earn interest. No minimum balance requirements apply to this account. No transaction limitations apply to this account unless otherwise stated in the Common Features section. No NSF will be charged on this account. Please see our fee schedule for fees that may apply to this account.
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.
3 APR=Annual Percentage Rate. The terms and conditions are subject to change without notice. All checking account owners must apply and be approved in order to qualify for a SafetyLine. SafetyLine has a variable APR and is calculated monthly on Prime plus a margin up to 11.25% and will vary with Prime. The Maximum APR will not exceed 17.99%. The rate you receive will be determined by your credit history and past credit performance. Not all applicants may be approved. Membership eligibility requirements apply. Refer to the fee schedule for any fees associated with this account.
4 All loan types, rates, and terms are subject to change without notice.
Membership eligibility requirements apply.