Jovia Financial Commack NY Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Jovia Financial, your trusted partner in financial well-being since 1938. Located at 40 Veterans Memorial Hwy, Commack, NY 11725, we are proud to serve our community with a commitment to excellence and member satisfaction. With a total membership of 238,274 and assets exceeding $4.5 billion, we strive to provide personalized banking solutions that meet the diverse needs of our members. At Jovia Financial, we understand that financial choices can be overwhelming. That's why our dedicated team of over 519 employees, led by CEO John DeIeso and Board President George Plevretes, is here to guide you every step of the way. Whether you're looking for auto loans, mortgages, or business banking services, we have tailored options designed just for you. We believe in giving back to the community. Our strong financial foundation includes total deposits of $166,806,604 and a net worth of $413,027,695, allowing us to support local initiatives and empower our members through various programs. Our commitment to transparency and integrity has earned us the trust of our members throughout Suffolk County. While members can visit us at our branch in Commack for all their banking needs, official correspondence should be sent to the same address. If you have any questions or need assistance, please don't hesitate to reach out at (516) 561-0030. Join us today and discover how Jovia Financial can help you achieve your financial goals! Visit our website at jovia.org for more information on our services and offerings. We're excited to be part of your financial journey!

Branch History & Mission

Commitment to Community

We take pride in being more than just a financial institution; we are part of the fabric of the Commack community. Our outreach initiatives reflect our dedication to supporting local organizations and events. We actively engage in partnerships that uplift those around us and create opportunities for growth and improvement. Jovia Financial also embraces technology by offering online banking, mobile payments, and e-statements all designed to enhance your banking experience while ensuring ADA compliance for accessibility. In conclusion, we invite you to join Jovia Financial today! Experience firsthand how we combine financial expertise with genuine care for our members. Together, let's build a brighter future for you and your family! If you have any questions or want more information, feel free to give us a call at 516-561-0030 or visit us online at jovia.org.

Our Mission

At Jovia Financial, we believe in putting people first. Our mission is simple: to provide comprehensive financial services while fostering a supportive community environment. We aim to empower our members with the tools they need for financial success whether that's through personal banking options like checking and savings accounts or loans for vehicles and homes. Our branch operates Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday until 7:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m., ensuring we are available when you need us most. With ATM availability and shared service center access, we strive to make banking easy and convenient for everyone.

Branch Location & Accessibility

Accessibility Features

We understand how important accessibility is for our members. Our branch features ADA-compliant entrances and ramps to ensure everyone can visit us comfortably. Plus, there's ample parking available, so you won't have to worry about finding a spot when you arrive.

Operating Hours

We want to make banking as convenient as possible for you. Our lobby hours are Monday through Thursday from 9:00 a.m. to 5:00 p.m., and on Fridays, we stay open later until 7:00 p.m. Need to swing by on Saturday? We've got you covered with hours from 9:00 a.m. to 1:00 p.m.

Services Offered

At Jovia Financial, we offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got something for everyone. We also provide online and mobile banking services for added convenience. And if you're a member of a partner credit union, take advantage of our shared service center for basic transactions like deposits and withdrawals. If you have any questions or need assistance, don't hesitate to give us a call at 516-561-0030. Our friendly team is ready to help! Come visit us today; we look forward to welcoming you into the Jovia Financial family!

Member Eligibility

At Jovia Financial, we believe that joining our community is about more than just banking it's about becoming part of a supportive family that values your needs and goals. If you're wondering how to become a member, it's quite simple! We welcome individuals who live, work, or worship in the area around 40 Veterans Memorial Hwy Commack Ny 11725. This means if you have a connection to our vibrant community, you're likely eligible to join us. By becoming a member, you gain access to a range of benefits including competitive rates on loans and savings accounts, personalized financial advice, and the convenience of online and mobile banking. For those interested in taking the next step, opening an account with us is straightforward. Just give us a call at (516) 561-0030 to learn more about the process or check out our detailed eligibility criteria here. We're excited to help you embark on your financial journey with us at Jovia Financial!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $274 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $27 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $465,116,282, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions, allowing you to focus on what you do best serving your customers. With easy-to-use tools and reliable support, managing payments becomes effortless, letting you concentrate on growing your enterprise. Visit us at 40 Veterans Memorial Hwy Commack Ny 11725 in Commack, NY or call us at (516) 561-0030 to learn more about how our business banking and commercial services can help your business thrive!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make the process straightforward. We offer competitive rates that help you get behind the wheel without stretching your budget too thin. Imagine driving off in your dream car while enjoying manageable monthly payments!

Business Banking

If you're a small business owner, our business banking services, including merchant services and business loans, can help you grow and manage your operations effectively. We know how important it is for businesses like yours to have reliable financial support.

Credit Cards with Rewards

Our credit cards with rewards program is perfect for those who want to make the most out of their purchases. Earn points on everyday spending, which can later be redeemed for travel, merchandise, or cash back it's a win-win!

Digital Banking Features

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. From making deposits to transferring funds through our person-to-person payment service, everything is just a tap away. Plus, with our ATM access for cash withdrawals and balance checks, you'll never feel stranded.

Home Financing

For those looking to purchase their first home or refinance an existing mortgage, we offer comprehensive mortgage loans and refinancing options. Our experts are here to guide you through the home-buying journey, ensuring you understand every step along the way.

Personal Banking

When it comes to personal banking, we have you covered. Whether you're opening a checking or savings account, our friendly staff is ready to help you find the right option for your financial goals. We understand that life can be unpredictable, so our personal loans and debt consolidation services are designed to provide relief during tough times, allowing you to manage expenses more easily.

Shared Branch Services

If you're a member of another participating credit union, take advantage of our basic shared branch transactions. You can perform deposits and withdrawals right here at Jovia Financial, making it easier than ever to access your funds. At Jovia Financial, we're committed to ensuring that all your financial needs are met under one roof. Whether you're visiting us for personal banking or exploring business solutions, our team is here to support you every step of the way. Ready to take the next step? Give us a call at (516) 561-0030 or visit us today! Your financial journey starts here at Commack!

Digital & Online Banking

Key Features

Our digital services come equipped with a variety of features tailored to meet your needs. You can enjoy the convenience of e-statements, which allow you to receive your account statements electronically. This not only helps you stay organized but also contributes to a more sustainable future by reducing paper waste. If you prefer the simplicity of mobile payments, you'll be pleased to know that we support this feature as well, making transactions quick and hassle-free. For those on the go, our mobile application provides a powerful tool right in your pocket. You can download it easily and access all your banking needs from anywhere. Want to send money to friends or family? Our person-to-person transfer feature lets you do just that with just a few taps on your smartphone.

Security and Ease-of-Use

At Jovia Financial, we prioritize your security. Our electronic signature authorization process means that you can sign documents securely without needing to visit a branch in person. We take every measure to protect your information while providing easy access to the services you rely on. In summary, our digital and online banking services at Jovia Financial are designed for accessibility and ease-of-use. With tools like online banking, e-statements, mobile payments, and more, managing your finances has never been easier or more secure. Join us today and experience the convenience of modern banking!

Financial Strength

Growing Membership Trust

Total Share and Deposit Accounts: 423,928, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $27,137,851, reinforcing our ability to meet your needs now and in the future. 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 40 Veterans Memorial Hwy Commack Ny 11725 or call (516) 561-0030 to learn more about how we can help you achieve your financial goals.

Member Savings and Security

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.

Operational Efficiency

Our operational 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 also take pride in having 480 full-time employees and 39 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

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. This solid position is further highlighted by our net worth ratio of $896, which demonstrates a robust capital foundation. It ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvesting in Our Community

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 you is reflected in our lending capacity; with $24,150 in used auto loans and $3,664,143,051 in total loans and leases, we support your financial goals across various sectors.

Loan Offering

Additional Services

For business owners, our outstanding commercial loans totaling $465,116,282 provide the capital needed to grow and expand. Whether you're looking to purchase equipment or finance an expansion, we have tailored solutions for businesses as well. Our lending products are designed with transparency and flexibility in mind. For more information about our loan offerings or to discuss eligibility options further, please don't hesitate to contact us at 516-561-0030 or visit us at 40 Veterans Memorial Hwy Commack NY 11725. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Jovia Financial, we're here to support you every step of the way on your financial journey!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $451,161,620 in used vehicle loans and $154,446,486 in new vehicle loans already helping members get on the road. We provide flexible terms and quick approvals to make your car-buying experience smooth and straightforward.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,018,601,136, make buying or refinancing simple. We aim to provide competitive rates and personalized service to guide you through the process. If you're considering refinancing your existing mortgage, we can help you explore your options for potentially lowering your payments or accessing cash from your home's equity.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $144,338,616 in loans helping members manage their finances effectively. Our credit cards come with rewards that can benefit you while you make everyday purchases.

Loan Aggregator

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JOVIA FINANCIAL FEDERAL CREDIT UNION

Type of Loan Offerings

Student Loans