Credit union · NCUA insured
Jovia Credit Union
Top CarrotA $4.5B credit union, the 106th largest of 4,329, headquartered in Westbury, NY, with 232,894 members and 20 branches in New York. Best rates: CDs 4.00% and savings 3.20% APY.
Jovia Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#30 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Jovia Credit Union
Founded in 1938 by a group of school employees in Valley Stream on Long Island, Jovia Financial Credit Union has its corporate headquarters in Westbury, New York.
Operating as a not-for-profit, member-owned credit union, the institution was previously known as Nassau Educators Federal Credit Union (NEFCU) before rebranding to Jovia Financial Credit Union in 2019.
- Headquarters
- 1000 Corporate Dr, Westbury, NY 11590
- NCUA charter
- 2760
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school on Long Island are eligible for membership, excluding the Suffolk County townships of Southampton, East Hampton, and Shelter Island.
Family and household
- Individuals can qualify for membership through sponsorship by an existing family member who is already a member of Jovia.
Branches
20 branches in New York
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New York
20 branches
- WestburyMain office1000 Corporate Dr, Westbury, NY 11590Directions
- Bay Shore2 E Main St, Bay Shore, NY 11706Directions
- Commack40 Veterans Memorial Hwy, Commack, NY 11725Directions
- Deer Park1934 Deer Park Ave, Deer Park, NY 11729Directions
- Franklin Square648 Hempstead Tpke, Franklin Square, NY 11010Directions
- Greenvale90 Northern Blvd, Greenvale, NY 11548Directions
- Hempstead1A Front St, Hempstead, NY 11550Directions
- Huntington Village356 New York Ave, Huntington, NY 11743Directions
- Huntington Station721 E Jericho Tpke, Huntington Station, NY 11746Directions
- Levittown3359 Hempstead Tpke, Levittown, NY 11756Directions
- Massapequa5455 Merrick Rd, Massapequa, NY 11758Directions
- Nesconset235 Smithtown Blvd, Nesconset, NY 11767Directions
- New Hyde Park1636 Marcus Ave, New Hyde Park, NY 11040Directions
- Oceanside3195 Long Beach Rd, Oceanside, NY 11572Directions
- Plainview525 Old Country Rd, Plainview, NY 11803Directions
- Rockville Centre556 Merrick Rd, Rockville Centre, NY 11570Directions
- Syosset103 Jackson Ave, Syosset, NY 11791Directions
- Uniondale51 Charles Lindbergh Blvd, Uniondale, NY 11553Directions
- Valley Stream264 E Merrick Rd, Valley Stream, NY 11580Directions
- Wantagh1157 Wantagh Ave, Wantagh, NY 11793Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.79% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.28% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.75% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $89 | $88 | — |
- CapitalNet worth ratio9.79%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.28%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.75%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$89Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Jovia Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.