JOVIA FINANCIAL FEDERAL CREDIT UNION

Welcome to the heart of community banking at Jovia Financial, located at 2 E Main St in the vibrant Bay Shore, NY. Since our doors opened in 1938, we have built a legacy rooted in trust, support, and commitment to our members and the community. Over the years, Jovia Financial has grown from a small credit union into a significant financial institution with over 238,000 members and total assets exceeding $4.5 billion. Our mission is clear: to empower individuals and families to achieve their financial goals while fostering a sense of community. We offer a range of services tailored to meet the unique needs of our members. From personal banking options like checking and savings accounts to loans for vehicles, homes, and businesses, we strive to provide solutions that enhance financial well-being. Additionally, our commitment extends beyond banking; we actively engage in community outreach initiatives that make a positive impact in Bay Shore and surrounding areas. While you can visit us at our main branch address, official correspondence should be sent to our mailing address at 2 E Main St, Bay Shore, NY 11706-8301. Our branch operates Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 7:00 PM, and Saturday from 9:00 AM to 1:00 PM. We also offer ATM services for your convenience. At Jovia Financial, we are dedicated to evolving with the times while maintaining our core values. We have embraced digital advancements that allow our members to bank online or through mobile applications easily. This ensures that whether you're making transactions on the go or managing your finances from home, you have access to reliable banking services. We believe in the power of partnerships and collaboration within our community. Our shared service center further strengthens this belief by providing basic ATM access and transaction services for partner credit union members. Join us at Jovia Financial as we continue this journey together supporting your financial dreams while contributing positively to the Bay Shore community. Experience firsthand how we're more than just a credit union; we're your partner in building a brighter financial future! If you're interested in becoming part of our family or learning more about what we offer, don't hesitate to reach out at 516-561-0030 or visit us online at Jovia.org.

Becoming a member of Jovia Financial is like joining a close-knit family where your financial well-being is our top priority. If you live, work, or worship in the area around 2 E Main St Bay Shore Ny 11706, you're likely eligible to join us! We welcome individuals from various walks of life, making it easy for you to become part of our supportive community. By choosing Jovia Financial, you gain access to a range of personalized financial services that cater to your unique needs whether that's saving for a dream vacation, buying a new car, or planning for retirement. To learn more about the specific eligibility requirements and how to get started, feel free to visit our website at . When you're ready to open an account, just give us a call at (516) 561-0030, and our friendly team will guide you through the process. Joining Jovia Financial means you're not just another number; you're part of something special. We can't wait to welcome you!

At Jovia Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to providing a solid foundation for your financial needs, which is reflected in our impressive performance metrics. With a net worth of $413,027,695, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $896 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,741,781,637 in share certificates and $344,312,846 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $64,364,176, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $388,397,307 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident with $24,150 in used auto loans and $3,664,143,051 in total loans and leases, supporting members' financial goals across various sectors. Our efficiency shines through with a net income of $12,570,388, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 480 full-time employees and 39 part-time employees who are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $27,137,851. Total Share Accounts: 423,928, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Jovia Financial is your trusted partner. Visit us at 2 E Main St Bay Shore Ny 11706 or call (516) 561-0030 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.