December 2021

Exclusive Limited-Time Holiday Promotion 

Jovia's Year-end Loan and Credit Card Bonus Offer is Here!

Don't miss out on this limited-time offer. It's the best deal of the year. Open a Personal Loan, Auto Loan or Credit Card with Jovia now through December 24th, and we will send you a $100 eGift Card to start the new year off right!*

Now is the time to book that long-awaited vacation, visit friends and family in your brand-new car, or why not do both?! Whether it’s a convenient personal loan, low-rate credit card, or competitive auto loan, we have what you need.

Don't wait! We can help make those plans a reality. This offer is only available through Friday, December 24, 2021. Are you ready?

Apply Now
*Offer available for eligible consumer personal loan, credit card or auto loan only submitted by members for loans disbursed from Nov 26, 2021 until December 24, 2021. To be eligible for the $100 eGift Card, approved loan product or credit card line must be for at least $1,000 and remain open for minimum of six (6) months. eGift Card will be sent directly from third party to the email address provided and confirmed by the primary loan applicant. Confirmation of email is deemed consent to receive electronic Amazon gift card, which will be delivered after loan disbursement is confirmed but no later than January 17, 2021. Limit one per product per member, Maximum of three (3) gift cards per member Offer is not transferable. Existing loan products opened prior to the promotional period, credit card increases, as well as Mortgage, Home Equity and SafetyLine products do not qualify. Joint applicants, employees, volunteers, and affiliates of Jovia and their immediate families are not eligible. Not all applicants may be approved. Loan subject to credit approval All loan types, rates, and terms are based on an applicant's credit history and are subject to change without notice. Membership eligibility requirements apply. You must establish share membership account prior to the disbursal of your loan. All promotional offers can be withdrawn at any time and are subject to change without notice. Jovia and its agencies assume no responsibility or liability for damages, losses or injury resulting from acceptance or use of any gift. Recipient responsible for the payment of any and all federal and state taxes associated with this gift. is not a sponsor of this promotion. Restrictions apply. For complete gift card terms and conditions, see All Amazon ®, TM & © are IP of Inc. or its affiliates.

Protect Your Family Against Fraud This Holiday Season

Have you ever gotten a phone call from the electric company claiming that they will disconnect your service for unpaid bills? Perhaps it was an email that appears to be from your cable provider saying your account has been compromised or a text message asking you to click a link. These are just a few examples of many scam communications that we’ve all experienced.
We need to be on high alert to fraud and scams every day, especially during the holiday season. While you’re shopping for the perfect holiday gifts online and in stores, here are some simple tips to avoid falling victim to fraud.
Review your transaction history 
Track your monthly purchases, and don’t forget to check them twice! Look out for unauthorized transactions or any discrepancies in your account statements. Consistently monitoring your account in online banking and the Jovia mobile app can alert you to any suspicious activity. Sign up for paperless statements to view them online. Learn more in our advice article, Fighting Debit Card Fraud
Go mobile
Jovia debit and credit cards work with Apple Pay, Google Pay, and Samsung Pay. When you add your debit and credit cards to your digital wallets, your cards are secure whether you shop online or in stores. 
Ask yourself: Is this site legit?
Be aware of scams when purchasing items online or even donating to charities. Did you find an online deal offering you a round-trip flight to Paris for $100? Is the merchant asking for personal information unrelated to the transaction? Ensure you are purchasing from legitimate and secure sites, and make sure you have the most updated anti-virus software just in case. And before entering your credit card information, always check for the https:// URL to ensure the checkout page is secure. Learn more in our advice article, Personal Cybersecurity Tips.
Set account alerts
Activate debit and credit card alerts with Card Controls. Setting alerts can help you better manage your account and stay in the know about any unusual transactions. Card Controls give you peace of mind that no one else is accessing your accounts. You choose when and how you want to be alerted. Want to get a text for any transaction over $50? Want to receive an email if a purchase is made at Best Buy? You can do that!
Protect your PIN 
Be aware of your surroundings when using your credit and debit cards in public. Shield the keypad anytime you enter your PIN while shopping or using an ATM. Remember, don’t share your PIN with anyone.
Watch out for “compromised account” scams
Scammers take advantage of holiday shoppers by claiming to be from financial institutions, asking for personal information so they can “make sure your account or information isn’t compromised.”  In reality, giving these scammers any of your personal information could cause a compromise to your account. If anyone contacts you directly asking for your information over the phone, by email, or social media, they are likely not authorized to do so. Be cautious. Do not respond and proactively reach out to your financial institution to confirm if the call or message you received was legitimate.
Check your credit reports
Prevent identity theft by checking your credit reports, especially during high-volume shopping periods. Don’t wait before it’s too late to identify any suspicious activity. Contact any of the three major credit bureaus (Equifax, TransUnion, and Experian) or sign up for a credit monitoring service like FraudScout™ through Jovia. Learn more in our advice article, How to Prevent Identity Theft

Brighter Banking is the Hottest Gift This Holiday Season

Share the gift of Jovia membership. Spread the word! 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:
  • Invite your friends and family to join Jovia and open their free account with your unique referral code.

Your referral code is: *|MMERGE11|*

  • Friends and family can join Jovia online, over the phone, or by appointment at a Jovia branch. Don't forget, 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!
Learn More

It’s Time for Photos with Santa!

Santa Photo Experience at Roosevelt Field

It’s the most wonderful time of the year! Don't forget to take a photo with Santa! Stop by Roosevelt Field Mall for the Santa Photo Experience sponsored by Jovia. Running Now through Friday, December 24th.

Find out more information about the Santa Photo Experience.

Ready to make your holiday shopping at the mall even more fun? Check out our Snapchat Geofilter exclusively available within Roosevelt Field!

And if you’re visiting the mall on either Saturday, December 4th, or Saturday, December 11th, stop by the Jovia table next to Santa's photo area and say hello!

Make a Holiday Wish Today!

Jovia is committed to making our communities a brighter place to live, learn, work, and grow. That's why we are proud to once again partner with Long Island's KJOY 98.3 to spend this holiday season granting wishes to Long Islanders in need. Do you know a family or an individual in need? Nominate them for a Holiday Wish today! Holiday wishes will be granted throughout December.
Make a Holiday Wish

Uplift Our Towns To Hold Their First Video Game Tournament

Jovia is proud to partner with Uplift Our Towns to present their first Youth Video Game Tournament, Saturday, December 4th, at the Central Islip Library from 11 am to 4 pm.

Enjoy music, food, prizes, refreshments, fun, and more.
Learn More & Register
Important Dates:

Happy Holidays from all of us at Jovia Financial Credit Union.

All Jovia offices will be closed:

Friday, December 24
Christmas Eve
(Jovia closes at 1pm)

Saturday, December 25
Christmas Day

Friday, December 31
New Year’s Eve
(Jovia closes at 1pm)

Saturday, January 1, 2022
New Year’s Day

Holiday Wishes and Good Cheer for a Bright New Year!  

The holiday season is a time to reflect on the past year and look forward to bright days ahead. Enjoying time with family and friends. As your credit union, we are all about “people helping people,” and we’re here to help our members and the communities we serve to build a brighter future together. It is a privilege to serve you and be a part of your financial journey. All of us at Jovia wish you a holiday season filled with joy and good cheer! We hope the new year brings you happiness, good health, and bright beginnings.

Named Forbes 2019 & 2020 Best in State Credit Union

1000 Corporate Drive, Westbury, NY 11590