Jovia Financial Nesconset NY Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to Jovia Financial, your trusted community partner located at 235 Smithtown Blvd, Nesconset, NY 11767. Since our establishment in 1938, we have been dedicated to fostering financial growth and stability for our members. With a robust membership of over 238,000 individuals, we pride ourselves on being more than just a credit union; we are a community where everyone can thrive. At Jovia Financial, we understand that your financial needs are unique. That's why we offer a diverse range of services, from checking and savings accounts to auto loans and business financing. With total assets reaching an impressive $4,596,442,069 and total deposits amounting to $166,806,604, we are well-equipped to support you on your financial journey. Our commitment to excellence is reflected in our strong net worth of $413,027,695, ensuring that your investments are secure with us. We also hold a substantial cash reserve of $8,955,427, allowing us to provide immediate assistance when you need it most. Led by our CEO John DeIeso and Board President George Plevretes, our team of 519 employees is dedicated to delivering top-notch service. Whether you prefer visiting us in person or utilizing our online banking services, we're here for you every step of the way. While members can visit us at our Nesconset branch for personal consultations or transactions, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to reach out at 516-561-0030. Join us today and experience the Jovia difference! Visit our website at jovia.org to learn more about how we can help you achieve your financial goals. Your future starts here!

Branch History & Mission

Join Us

As we look towards the future, Jovia Financial remains steadfast in our dedication to serving you better every day. Whether you are looking for basic checking accounts or comprehensive business solutions, we invite you to join our growing family. Experience firsthand how our personalized approach makes all the difference. For any inquiries or assistance, don't hesitate to reach out at (516) 561-0030. Join us on this journey towards financial empowerment and community support together, let's build a brighter tomorrow!

Our Evolution

From our humble beginnings nearly a century ago, Jovia Financial has continually evolved to meet the changing needs of our members. We started as a small credit union focused on providing essential banking services and have expanded to offer a wide range of products including personal banking accounts, auto loans, mortgages, and business services. Each milestone in our journey reflects our commitment to innovation and community engagement. Our Nesconset branch stands as a testament to this growth. Conveniently located near local landmarks, we make it easy for members to access their banking needs with available ATM services and shared service center options. While you can visit us at 235 Smithtown Blvd Nesconset Ny 11767, official correspondence should be sent to 235 Smithtown Blvd, Nesconset, NY 11767-2425 if it differs from our main location.

Our Mission

At the core of Jovia Financial is our mission: to empower individuals and businesses through accessible financial solutions while making a positive impact in the communities we serve. We believe in providing not just financial services but also support that helps improve lives. This commitment drives us to invest in community outreach programs and partnerships that uplift those around us. In addition to traditional banking services, we are proud to offer digital advancements that enhance member experiences such as online banking, mobile payments, and person-to-person transfers all designed with your convenience in mind. We ensure that all facilities meet ADA compliance standards because everyone deserves equal access to financial resources.

Branch Location & Accessibility

Additional Amenities

For those who prefer digital banking options, we provide online and mobile banking services that allow you to manage your accounts anytime, anywhere. Need cash? Our ATM is available for quick withdrawals and balance checks. Although we do not have drive-thru banking at this location, our welcoming lobby ensures a pleasant experience every time you visit.

Easy Access and Convenient Features

At Jovia Financial, we prioritize your convenience. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and parking spaces. You'll find ample parking available right outside our doors, ensuring that your visit is hassle-free. While members can visit us at 235 Smithtown Blvd, official correspondence should be sent to the same address. If you need assistance while you're here, our friendly staff is always ready to help.

Operating Hours and Services

We understand that your time is valuable. That's why we offer flexible operating hours: Monday through Wednesday from 9 AM to 5 PM, Thursday and Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. We are closed on Sundays so our team can recharge for another week of serving you. Our branch offers various services tailored to meet your financial goals from personal banking solutions like checking and savings accounts to auto loans and mortgages. Plus, if you're a member of a partner credit union, you can take advantage of basic shared branch transactions here as well.

Visit Us Today!

If you're looking for a local credit union that puts members first, look no further than Jovia Financial in Nesconset. We invite you to stop by or give us a call at 516-561-0030 for any inquiries. Let us help you achieve your financial dreams!

Member Eligibility

At Jovia Financial, we believe that everyone deserves a chance to be part of a supportive financial community. Becoming a member is easy and welcoming, whether you live in the area or have connections to our vibrant community. Typically, anyone who resides, works, or worships in the local area can join us. This means you're not just a number; you're joining a family that cares about your financial well-being. We offer various benefits like personalized service, competitive rates on loans, and access to exclusive member-only products. If you're ready to take the next step toward becoming a member at Jovia Financial, feel free to reach out at (516) 561-0030 for any questions you might have. You can also check out the detailed eligibility criteria by visiting this page for updated information. Opening an account with us is straightforward, making it easier than ever to enjoy all the perks of membership. Come visit us at 235 Smithtown Blvd Nesconset Ny 11767 and see how we can support your financial journey!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable partner who understands the cash flow challenges you face daily. Our merchant services provide easy payment processing, allowing you to focus on what you do best running your business. From accepting credit cards to managing transactions seamlessly, we equip you with the tools needed to thrive in today's competitive market. Visit us at 235 Smithtown Blvd Nesconset Ny 11767 in Nesconset, NY, or give us a call at (516) 561-0030 to learn how we can help your business grow!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, we offer comprehensive Business Banking solutions including Merchant Services & Business Loans. We understand that running a business comes with unique challenges, and we're here to support you every step of the way.

Connect With Us

Ready to explore how these services can benefit you? Give us a call at (516) 561-0030 or visit us in person at 235 Smithtown Blvd Nesconset Ny 11767 in Nesconset, NY. Our friendly team is here to answer any questions and help you get started on achieving your financial goals today!

Credit Cards and Rewards

Want to earn rewards while you spend? Our Credit Cards with Rewards program allows you to earn points on purchases that can be redeemed for travel, merchandise, and more. It's an excellent way to get something back while managing your everyday expenses.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking services so you can manage your accounts anytime, anywhere. From checking balances to transferring money between accounts or making payments, everything is just a few taps away. You can also take advantage of our ATM & Cash Withdrawal Services, which are designed for quick access to your funds without any hassle. Plus, if you're a member of partner credit unions, you can enjoy basic shared branch transactions like deposits and withdrawals right here at Nesconset.

Personal Banking

Managing your finances has never been easier with our personal banking options. We offer a variety of Checking & Savings Accounts designed for different lifestyles and needs. Whether you're saving for a big purchase or just looking to keep your funds accessible, we have an account that suits you. Need a new car? Our Auto Loans & Vehicle Financing make it easy to hit the road in style without breaking the bank. With competitive rates and flexible terms, financing your dream vehicle is within reach. If you're looking to buy a home or refinance your current mortgage, our Mortgage Loans & Refinancing services can guide you through the process. We understand that homeownership is a significant milestone, and we're here to help make it happen. For those unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation options provide quick access to cash when you need it most.

Digital & Online Banking

Always Available

We know life doesn't stop for banking hours. That's why Jovia Financial offers 24/7 online banking services. You can manage your accounts at any time that suits you best no need to worry about rushing to the branch before it closes. In summary, the digital and online banking services at Jovia Financial are designed with you in mind. Enjoy the ease of real-time account management while feeling confident in our robust security measures. Experience the future of banking today!

Key Features

Our commitment to keeping your information safe is paramount. We provide e-statements that not only help reduce paper waste but also ensure your financial documents are securely stored online. Enjoy the peace of mind that comes with knowing your statements are easily accessible yet protected. For those who prefer managing their money on the go, our mobile application is a fantastic tool. With mobile payments enabled, making purchases or sending money through person-to-person transfers is quick and effortless. Imagine being able to split a bill with friends in seconds or make payments without digging through your wallet!

Financial Strength

Community Trust

Total Share Accounts stand at 423,928, showcasing a strong and growing member base that trusts us with their finances. Additionally, Net Shares available for lending and investments amount to $27,137,851, reinforcing our capability to meet your needs efficiently. 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 235 Smithtown Blvd Nesconset Ny 11767 or call (516) 561-0030 to learn more about how we can help you achieve your financial goals.

Member-Centric Focus

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 is reflected in our $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 ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

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, which support our members' financial goals across various sectors.

Strong 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. 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.

Loan Offering

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 cater to various needs with flexible terms for both new and used vehicles.

Business Loans

For business owners, our outstanding commercial loans totaling $465,116,282 provide the capital needed to grow and expand. We understand that running a business comes with its own unique challenges and are committed to supporting local entrepreneurs.

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. Whether you are a first-time buyer or looking to refinance your existing mortgage, our team is here to guide you through every step of the process.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, we provide tailored solutions that could potentially lower your payments or help you access additional funds. At Jovia Financial located at 235 Smithtown Blvd Nesconset NY 11767, our dedicated team is ready to assist you in finding the right loan product for your needs. You can reach us at 516-561-0030 during our operating hours: Monday through Wednesday from 9 AM - 5 PM; Thursday and Friday from 9 AM - 6 PM; Saturday from 9 AM - 2 PM; and closed on Sundays. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to explore our loan offerings today and discover how Jovia Financial can help you achieve your financial dreams!

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. These cards provide an excellent way to handle unexpected costs while earning rewards for your purchases.

Loan Aggregator

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JOVIA FINANCIAL FEDERAL CREDIT UNION - Nesconset, NY

Type of Loan Offerings

Student Loans