Jovia Financial Valley Stream NY Credit Union | Best Auto Loans & ATM Access

Introduction

Welcome to Jovia Financial, your trusted partner in financial well-being, located at 264 E Merrick Rd, Valley Stream, NY 11580. Since our establishment in 1938, we've been dedicated to serving our community with a personal touch and a commitment to enhancing the lives of our members. With over 238,000 members and a robust portfolio that includes total assets of $4,596,442,069, we stand as a pillar of strength in the Valley Stream area. At Jovia Financial, we believe in empowering our members through tailored financial solutions that meet their unique needs. Whether you're looking for checking and savings accounts, auto loans, mortgages, or business banking services, we have you covered. Our total deposits amount to $166,806,604, reflecting the trust our members place in us to safeguard their hard-earned money. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be directed to the same address: 264 E Merrick Rd, Valley Stream, NY 11580-6034. Under the leadership of our CEO, John DeIeso, and Board President, George Plevretes, we strive to create a welcoming environment where everyone feels valued. Our team of 519 employees is ready to assist you with personalized service that makes banking not just easy but enjoyable. We invite you to explore all that Jovia Financial has to offer. Call us today at 516-561-7723 or visit our website at jovia.org for more information about how we can help you achieve your financial goals!

Branch History & Mission

Welcome to Jovia Financial, where our rich history and unwavering mission have shaped us into a trusted partner for the Valley Stream community. Established in 1938, we have grown alongside our members, adapting to their needs and providing exceptional financial services for over eight decades. Our branch is located at 264 E Merrick Rd, Valley Stream, NY 11580, a spot that has become a cornerstone for many families and individuals seeking support in their financial journeys. From humble beginnings, Jovia Financial has evolved significantly. With a current membership of 238,274 and total assets of $4,596,442,069, we are proud to be one of the leading credit unions in the region. Our commitment to our members reflects not only in our numbers but also in the personalized service we provide every day. We understand that financial well-being goes beyond just transactions; it's about building lasting relationships. At the heart of our mission is a simple yet powerful statement: "To improve the financial lives of our members while making a positive impact in our community." This mission drives us to offer a wide range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Whether you are looking to open your first savings account or planning to finance your dream home, we are here to guide you through every step. While members can visit us at 264 E Merrick Rd, official correspondence should be sent to 264 E Merrick Rd, Valley Stream, NY 11580-6034 if different from the branch address. We are dedicated to ensuring that all members have access to modern conveniences like online and mobile banking, making it easier than ever to manage your finances on your terms. Our commitment extends beyond banking. We actively engage in community outreach efforts and partnerships that uplift local residents and businesses. From supporting local events to providing financial education workshops, we strive to enhance the quality of life in Valley Stream. We invite you to experience everything Jovia Financial has to offer where your financial goals are our priority. Join us today and discover how we can help make your financial dreams a reality. For more information or assistance, feel free to reach out at 516-561-7723 during our operating hours: Monday and Friday from 9:00 AM to 7:00 PM; Tuesday through Thursday from 9:00 AM to 5:00 PM; and Saturday from 9:00 AM to 1:00 PM. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access and Features

At Jovia Financial, we prioritize accessibility and convenience. Our branch is equipped with features that ensure everyone can easily navigate our space. With ADA-compliant ramps and ample parking available, visiting us is hassle-free. If you prefer banking on the go, you'll be pleased to know we offer drive-thru services for quick transactions without leaving your car.

Operating Hours That Fit Your Schedule

We understand that life can get busy! That's why our operating hours are designed to accommodate your schedule. We're open Monday and Friday from 9:00 AM to 7:00 PM, Tuesday through Thursday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 1:00 PM. This way, you can find a time that works best for you to come in or reach out via phone at 516-561-7723.

Services Tailored for You

Jovia Financial offers a variety of services tailored to meet your banking needs. From personal checking and savings accounts to auto loans and mortgages, we've got you covered. Plus, our ATM is readily available for those who need quick cash or balance checks. If you're a member of another credit union, take advantage of our shared service center options for deposits and withdrawals. While members can visit us at 264 E Merrick Rd Valley Stream Ny 11580, official correspondence should be sent to our mailing address at 264 E Merrick Rd, Valley Stream, NY 11580-6034. We invite you to stop by Jovia Financial today! Our friendly team is eager to assist you with any questions or services you may need. Experience the difference of community-focused banking right here in Valley Stream!

Member Eligibility

At Jovia Financial, we believe that everyone deserves access to a supportive financial community. Becoming a member is straightforward and welcoming! If you're living, working, or attending school in our service area, you're likely eligible to join us. We take pride in offering a variety of services tailored to meet your needs, from checking and savings accounts to auto loans and mortgages. Plus, as a member, you can enjoy competitive rates and personalized support that makes your financial journey smoother. To learn more about the specific eligibility criteria, feel free to check out our detailed information at . Once you're ready to take the next step, opening an account is easy just give us a call at (516) 561-7723 or visit us at our branch located at 264 E Merrick Rd Valley Stream Ny 11580. We're excited to welcome you into the Jovia Financial family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine running your daily operations without worrying about payment processing. Our merchant services provide just that efficient solutions that streamline transactions for you and your customers. From credit card processing to online payment systems, we help businesses manage cash flow effectively, allowing you to focus on what matters most growing your business. Located at 264 E Merrick Rd Valley Stream Ny 11580 in Valley Stream, NY, we're here to partner with you every step of the way. Reach out at (516) 561-7723 or visit us online at http://www.jovia.org to learn more about how we can support your business goals!

Tailored 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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Utilize our ATM & Cash Withdrawal Services, available at multiple locations for easy access whenever you need it.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing services ensure you get competitive rates and flexible terms. Picture yourself cruising down the road in your new vehicle, financed through Jovia Financial. We provide personalized assistance throughout the loan process, making it easier for you to drive away with the keys in hand.

Business Banking Services

For our business members, we offer tailored solutions including Merchant Services & Business Loans. Whether you're starting a new venture or looking to grow an existing one, we provide financial tools designed specifically for businesses.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking services allow you to access your accounts anytime, anywhere. From checking balances to transferring funds or paying bills with just a few taps on your smartphone banking has never been easier!

Credit Cards with Rewards

Make every purchase count with our Credit Cards with Rewards program. Earn points on everyday spending that can be redeemed for travel, merchandise, or cash back! It's an excellent way to enjoy benefits while managing your finances smartly.

Drive-Thru Banking and Shared Branch Transactions

Our branch also features Basic Drive-Thru Banking, perfect for quick deposits and withdrawals without leaving your vehicle. Plus, if you're a member of a partner credit union, take advantage of our Basic Shared Branch Transactions for deposits and withdrawals at various locations. At Jovia Financial in Valley Stream, NY, we're here to support you every step of the way with these comprehensive services designed for today's financial landscape. Ready to explore how we can help? Give us a call at 516-561-7723 or visit us online at jovia.org today!

Mortgage Loans & Refinancing

If you're ready to buy a home or refinance your existing mortgage, our Mortgage Loans & Refinancing options can help you navigate the process smoothly. With our knowledgeable team by your side, we simplify what can often feel like a daunting experience. Imagine settling into your new home sooner than expected!

Personal Banking Solutions

We understand that managing personal finances can be overwhelming. That's why we offer Personal Banking options like checking and savings accounts that are designed with you in mind. Imagine easily accessing your funds or setting up automatic transfers to save for that dream vacation! Our goal is to make banking straightforward and convenient.

Personal Loans & Debt Consolidation

Life sometimes throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation services come into play. Whether you're looking to consolidate debt or fund a major purchase, we offer solutions that fit your budget and timeline.

Digital & Online Banking

At Jovia Financial, we understand that convenience and security are essential when it comes to managing your finances. That's why we offer a robust suite of digital and online banking services designed to fit your busy lifestyle. With our user-friendly platform, you can access your accounts anytime, anywhere, ensuring that you stay in control of your money. One of the standout features is our 24/7 Online Banking service. This means you can check your account balance, transfer funds, or pay bills at any time of day or night. Just visit us at http://www.jovia.org to get started! If you're on the go, our Mobile Application allows you to do all this right from your smartphone, making banking as easy as tapping a few buttons. For those who prefer paperless options, we offer E-Statements, so you can keep track of your finances without the clutter. Plus, with Electronic Signature Authorization, signing important documents is quick and secure no need for physical trips to the branch. Need to split a bill or send money to a friend? Our Person-to-Person Transfers feature makes it simple and instant. And if you're looking to make purchases easier, our support for Mobile Payments means you can pay with your phone wherever you shop. Overall, our digital banking services at Jovia Financial prioritize accessibility and ease-of-use while keeping your information safe. Whether you're checking in on your savings or sending money across town, we're here to help you manage your finances with confidence.

Financial Strength

Growing Together

With total share accounts at 423,928, we have a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending stand at $27,137,851, showing our commitment to empowering you financially. 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 264 E Merrick Rd Valley Stream Ny 11580 or call (516) 561-7723 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $12,570,388 reflects our operational efficiency, 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. 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.

Reinvestment for the Future

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 lending capacity supports your financial goals with $24,150 in used auto loans and $3,664,143,051 in total loans and leases.

Savings That Grow

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $451,616,620 in used vehicle loans and $154,446,486 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates for both new and used vehicles. Plus, if you're considering refinancing your existing auto loan, we have options available to help lower your monthly payments.

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 set of challenges and opportunities; that's why our team is here to help you find financing solutions that align with your goals. At Jovia Financial, we pride ourselves on being accessible and supportive. If you're interested in learning more about our loan products or if you have questions about eligibility or refinancing options, please don't hesitate to reach out. You can contact us at 516-561-7723 during our operating hours: Monday and Friday from 9:00 AM to 7:00 PM; Tuesday through Thursday from 9:00 AM to 5:00 PM; and Saturday from 9:00 AM to 1:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With Junior Lien 1-4 Family Residential Properties loans totaling $1,018,601,136, we can guide you through the process of securing your dream home. Our mortgage specialists are ready to assist you in understanding eligibility requirements and finding the best solution for your situation.

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 various rewards programs that can benefit your everyday spending while keeping your financial health in check.

Loan Aggregator

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Jovia Financial