Promotions

Offers that make banking brighter

We know you work hard for your money, so why not let your money work a little harder for you? With our current promotions, you’ll get to enjoy brighter banking and a whole lot more.

Check out these special offers to see how the advantages of Jovia membership goes beyond just banking.

Money management made fun
With Jovia's exclusive app, Curio!

Curio, paired with our Youth Accounts, serves as a reward system and motivator for young members that teaches money management in a real, fun, and engaging way.

When you sign up for Curio with $100 or more in your Dollar Dog or Teen Elements account, you’ll get $254!

Schedule appointment
Learn more about Curio
Checking that works for you.

Open a first-time Jovia checking account with direct deposit of $100 and get a $150 cash bonus.3

  • No minimum balance required
  • No monthly maintenance fees
  • Get paid up to two days early with direct deposit

Open Account
Learn more about the benefits of checking with Jovia
You’ve got the keys, we’ve got the cash.

Get $250 when you purchase or refinance your home with Jovia.1 Whether you’re looking for new furniture, updated appliances, or to lower your first monthly payment, a little extra cash goes a long way. Apply for a new home purchase or refinance by December 31, 2024, and close by March 31, 2025, to take advantage of this $250 cash bonus offer!1

  • Apply online in 15 minutes or less
  • No closing cost options^
  • First-time homebuyer programs
  • Learn more about our mortgage options here

Apply Now

Membership eligibility requirements apply. Rates subject to change without notice. All promotional offers can be withdrawn at any time and are subject to change without notice. Employees, volunteers, and affiliates of Jovia and their immediate families are not eligible. Jovia and its agencies assume no responsibility or liability for damages, losses or injury resulting from acceptance or use of any gift. Existing accounts and submitted applications do not qualify for promotional offers.

APY=Annual Percentage Yield.

1 Offer available for new and existing Jovia members from January 1, 2024 through December 31, 2024. All loans are subject to credit approval. Cash bonus will post automatically to the members’ checking or share account 14 days after closing. Cash bonus is limited to one per loan closing. Loan must close by March 31, 2025 to be eligible. Applications submitted prior to the promotional period do not qualify. Cash bonus will be reported as income on IRS form 1099-MISC. Jovia reserves the right to limit this offer.

3 Offer available for new, first-time Go Green and CareFree Checking accounts with a qualifying recurring minimum direct deposit of $100 in the checking account within 60 days of account opening. This must be your first checking account with Jovia Financial Credit Union. Members with current or prior checking accounts are not eligible for the cash bonus. Qualifying direct deposits are regular, periodic automated clearing house (ACH) credits, which may include payroll, salary, pension, or government payments (such as Social Security). Person-to-person transfers, check deposits, external bank ACH transfers, or other electronic money transfers, such as those made through PayPal, Zelle, Venmo, or others, do not qualify as direct deposit. Cash bonus will post automatically to the members’ checking account 30 days after requirements are met and will be reported as income on IRS form 1099-INT. Membership eligibility requirements apply. Rates subject to change without notice. All promotional offers can be withdrawn at any time and are subject to change without notice. Employees, volunteers, and affiliates of Jovia and their immediate families are not eligible. Jovia and its agencies assume no responsibility or liability for damages, losses or injury resulting from acceptance or use of any gift. Existing accounts and submitted applications do not qualify for promotional offers.

4 Offer available for new and existing Jovia members who enroll in Curio after July 31, 2023. New member must have $100 in their account at the time of enrollment in Curio. Existing members must have an aggregate deposit of $100 for 30 days leading up to Curio enrollment. Cash reward will automatically be credited to the member’s youth savings account within 15 days of qualifying enrollment and reported as income on IRS form 1099-INT. Membership eligibility requirements apply. Rates are subject to change without notice. All offers can be withdrawn at any time and are subject to change without notice. Employees, volunteers, and affiliates of Jovia and their immediate families are not eligible. Jovia and its agencies assume no responsibility or liability for damages, losses, or injury resulting from acceptance or use of any gift. Gift is limited to one per member. Restrictions apply.

^Jovia does not charge closing costs on the no-closing cost option, member responsible for certain mortgage settlement costs.

*Must meet account qualifications to earn bonus interest rate (APY) and ATM fee reimbursements. Free first order of checks for new accounts only.

Early Direct Deposit of regular periodic payments (such as salary, pension, or government benefits) may be available to you up to 2 days earlier than the payer’s scheduled payment date. This feature depends on timing of the payer’s submission of ACH deposits so it may not always arrive early as it depends on the timing of your payer’s payment instructions. Certain non-payroll and tax payments are not eligible for early direct deposit.