February 2022

Get your paycheck sooner with Jovia's Early Direct Deposit 

Setting up direct deposit with your employer is the fastest way to get your paycheck into your checking account. But did you know that when you sign up for direct deposit to a Jovia account, you might have the money sooner than you expected?

What does this mean for you?
Some financial institutions hold your paycheck until your payday, but with Early Direct Deposit, if your employer sends your payroll to Jovia early, we can give you access to your money sooner. You might find your paycheck in your account up to two days sooner than you expected it.

So, if your payday is Friday, you might find that paycheck in your account on Wednesday. Score!
Early Direct Deposit of regular periodic payments (such as salary, pension, or government benefits) may be available to you up to 2 days earlier than the payer’s scheduled payment date. This feature depends on timing of the payer’s submission of ACH deposits so it may not always arrive early as it depends on the timing of your payer’s payment instructions. Certain non-payroll and tax payments are not eligible for early direct deposit.

Refer a friend. Reward the ones you love.

Share your love of credit union membership!
When you invite your friends and family to join and open a Go Green Checking account with a minimum deposit of $100, you'll each get $50!2
How it works: 
  • Friends and family can join Jovia online, over the phone, or by appointment at a Jovia branch. They will need to provide your referral code in order to receive the $50.
  • Once your friend or family member opens their account and meets the requirements, you will each receive your $50 reward!
Your referral code is: *|MMERGE11|*
Learn More

Helpful Tips at Tax Time

Take the stress out of tax filing preparation with these helpful tips:
Get your refund faster with direct deposit.

Deposit your tax refund right into your Jovia account. Our routing number is 221480807. 


You will also need to provide your account number. Here is where you can find it: 
  • In Online Banking, click on the account name under Accounts, then click Account Details to view the account type, number, and accrued dividend.
  • In Mobile Banking, click on the Account Name, then click Details to view the Account/ACH number and Accrued dividend.
Protect yourself from tax scams and fraud.
Do not respond to telephone calls or emails claiming to be the IRS or the U.S. Treasury. The IRS will only correspond with you through the U.S. Postal Service.
Max out retirement plan contributions.
The 2021 IRA contribution deadline is April 15, 2022

Fall in love with your home again.  


Use the equity in your home to show your home some love. 

Tackle those big projects:
  • A home extension or garage conversion
  • Kitchen and bathroom upgrades
  • Basement renovation
  • New roof, siding and windows 

Borrow up to $1.5 million based on the equity of your home. You'll be making those much-needed improvements at a great rate so you can fall in love with your home all over again. 
 
Learn More

Want to Know Your Credit Score? We’ve Got You Covered.


Your credit score is a three-digit number based on information in your credit report. It is one of the many tools lenders use when reviewing a loan application and can affect how much you can borrow, how many months you have to repay, and your interest rate. 
Knowing your credit score can help you avoid surprises and apply for loans with confidence. Jovia members can access their credit score through online banking and the Jovia mobile app. Your score is updated quarterly to help you better understand your financial health.

Not enrolled in Online or Mobile Banking?

Prepare for a healthy financial future with our Online Seminar Series.
See what's coming in February and March!
Income for life
February 9th @ 6:00 pm EST

Women & Investing
February 22nd @ 6:30 pm EST
Rollover Planning
March 8th @ 6:00 pm EST

The Three Transitions to Retirement 
March 22nd @ 6:00 pm EST
Register Today
Questions? Unable to attend but would like more information?
Call Lillian Pabst at 516-714-2052
or email at [email protected] for assistance or to set up a complimentary appointment with an advisor.
Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.
FR-3133802.1-0620-0722

These workshops are for educational purposes only and are not investment advice. If you need advice regarding your financial goals and investment needs, contact a financial advisor. All guarantees are based on the claims-paying ability of the issuer. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries, and affiliates. Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state and may not be available in all states or through all broker/dealers. Asset allocation and diversification do not guarantee a profit or prevent a loss. See your prospectus for details about your investment options and refer to the fund prospectus for information on specific investment objectives. Variable annuities are sold by prospectus only. You can obtain a prospectus by contacting your financial advisor or the insurance company. Read it carefully.

What can I use a personal loan for? 

Thought about applying for a personal loan, but not sure what to use it for? You're not alone. Personal loans can be used for just about anything. 
  • Wedding expenses
  • New appliances
  • Home improvements
  • Medical bills
  • Unexpected expenses
Find out how a personal loan can help you meet your financial goals.
Learn More

Important Dates

Monday, February 21, 2022
Jovia will be closed in observance of

Presidents' Day

Save the Date:
Thursday, April 28, 2022
83rd Annual Meeting
Hofstra University Club

Register Today
 

Named Forbes 2019 & 2020 Best in State Credit Union

1000 Corporate Drive, Westbury, NY 11590
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