Why Us

Bringing brighter banking to the Long Island community

So if your bank is charging you fees to do your everyday banking, or not helping you earn enough on your savings or charging you high interest rates on a loan, it’s time to check us out.

As a credit union we offer all the services of any big bank, but our rates are better and our fees are lower. Simply put, we make your hard-earned money work harder for you.

But we also provide the kind of personal service big banks can’t offer. Because finances are about more than money. It's about your life –your daily needs and your long-term aspirations. We get that, we're here to make living your life better and easier.

Our Mission

Our mission is to provide superior financial products, attentive service, and unrivaled ease of doing business powered by the credit union spirit.

Our Vision

Our vision is to be the financial institution of choice based on value, convenience, and innovation.

Our Purpose

Our purpose is to empower members to lead in life.

Our Values

  • Integrity
  • Accountability
  • Collaboration
  • Forward-Thinking
  • Simplicity
  • Excellence

Jovia is a new name, but we've been around for more than 80 years

One day, eight decades ago, a group of school employees met in Valley Stream on Long Island to start a new venture. They agreed to pool their savings to make it easier and less expensive for members to save and borrow money from each other, rather than a bank. Those workers took charge of their future that day. That entrepreneurial spark became Nassau Educators Federal Credit Union or NEFCU for short.

Today, as Jovia Financial Credit Union, we are a thriving financial institution with more than $3 Billion in assets, branches throughout Long Island, and a network of over 55,000 ATMs worldwide. Jovia is a new kind of credit union, one focused on combining age-old service and value with the convenience that today’s technologies allow.

Annual Reports

People helping people

When unexpected catastrophic events occur as they did in 2020, immediate action is ofthe essence. At Jovia Financial Credit Union, our first priority was the safety and health of our members and staff, so we immediately implemented the necessary protocols in our facilities to keep everyone safe. Concurrently, we asked ourselves: What can we do to meet the intensifying financial needs of our members during this unprecedented time?

Past Reports


Annual Report 2019



Annual Report 2018



Annual Report 2017



Annual Report 2016


Make the switch to a Credit Union. We make it easy.

Open an account with Jovia today to start enjoying better rates, lower fees, and friendlier service. We’re an organization built of people just like you, leading our lives with financial confidence.

Join Now!