What are the current interest rates at Jovia Federal Credit Union?

Current rates for Jovia Federal Credit Union include: 12-Month CD: 1.00%, 18-Month CD: 4.00%, 24-Month CD: 1.25%, 60-Month CD: 2.25%, Savings: 5.00%, MMA: 3.55%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Jovia Federal Credit Union

iAdvertiser Disclosure

Jovia Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Jovia Federal Credit Union?

Yes, to access services at Jovia Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Jovia Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Jovia Federal Credit Union's top rates as of October 7, 2026 are 4.00% APY on its 18-Month CD, 5.00% APY on savings, 3.55% APY on money market accounts, 5.00% APY on checking, 6.38% on its 7/1 Adjustable Loan mortgage, personal loans from 7.99% APR, and credit cards from 11.74% APR, according to rates verified by MonitorBankRates. Other Jovia Federal Credit Union CD rates include 25-Month CD at 4.00%, 8-Month CD at 4.00%, and 25-Month CD at 3.75%. Other Jovia Federal Credit Union mortgage rates include Fixed Rate Mortgages - 15 Year Fixed at 6.75%, 10/1 Adjustable Loan at 6.88%, and 15/1 Adjustable Loan at 7.00%. MonitorBankRates evaluates the financial stability of Jovia Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.47%. Rates last updated and verified on 10/07/2026.

Jovia Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Jovia Federal Credit Union? Share your experience about Jovia Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Jovia Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.47%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Jovia Federal Credit Union
Westbury

1000 Corporate Dr
Westbury, NY 11590

https://www.jovia.org/

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Jovia Federal Credit Union CD Rates

Product	Rate	APY	Term
18-Month Certificate	3.87%	4.00%	18-Month
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
25-Month Certificate	3.87%	4.00%	25-Month
Min Deposit $100 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 7, 20264.00%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
8-Month Certificate	3.87%	4.00%	8-Month
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
25-Month Certificate	3.63%	3.75%	25-Month
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
40-Month Certificate	3.63%	3.75%	40-Month
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
5-Year Certificate	2.20%	2.25%	5-Year
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
4-Year Certificate	1.95%	2.00%	4-Year
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
2-Year Certificate	1.23%	1.25%	2-Year
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
3-Year Certificate	1.23%	1.25%	3-Year
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
1-Year Certificate	0.98%	1.00%	1-Year
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
3-Month Certificate	0.98%	1.00%	3-Month
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
6-Month Certificate	0.98%	1.00%	6-Month
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%

Jovia Federal Credit Union Savings Rates

Product	Rate	APY
General Savings	4.89%	5.00%
Min Deposit $5 Min Balance $0 Details Balance: Balances <= $3,000.00 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Online Savings	3.15%	3.20%
Min Balance $11 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Health Savings Account	1.98%	2.00%
Min Balance $15,000 Details Balance: Over $15,000.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Youth Savings Account	1.00%	1.01%
Min Balance $6 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Health Savings Account	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500.00 - $14,999.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Liquid Saver's IRA	0.20%	0.20%
Min Balance $70 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
General Savings	0.10%	0.10%
Min Deposit $5 Min Balance $3,000 Details Balance: Balances >= $3,000.01 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Health Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: Up to $2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Health Savings Account	0.10%	0.10%
Min Balance $135 Details Balance: Up to $2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Share Savings	0.10%	0.10%
Min Balance $131 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Special Purpose Savings	0.10%	0.10%
Min Balance $60 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%

Jovia Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.10%	0.10%
Min Balance $60 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%

Jovia Federal Credit Union Money Market Rates

Product	Rate	APY
Premier Money Market	3.49%	3.55%
Min Balance $1,000,000 Details Balance: Over $1,000,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40% Oct 2, 20263.55%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Premier Money Market	2.86%	2.90%
Min Balance $250,000 Details Balance: $250,000 to $999,999 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 2.90% ▲ 0.15 pts · high 2.90% / low 2.75% Oct 2, 20262.90%▲ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Premier Money Market	2.62%	2.65%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50% Oct 2, 20262.65%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Premier Money Market	2.37%	2.40%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 2.40% ▲ 0.15 pts · high 2.40% / low 2.25% Oct 2, 20262.40%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Money Market	1.00%	1.00%
Min Balance $1,000,000 Details Balance: Over $1,000,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Money Market	0.75%	0.75%
Min Balance $250,000 Details Balance: $250,000 to $999,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Money Market	0.55%	0.55%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Money Market	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Money Market	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Money Market	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 to $24,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%

Jovia Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Premier Money Market	3.49%	3.55%
Min Balance $1,000,000 Details Balance: Over $1,000,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40% Oct 2, 20263.55%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Business Premier Money Market	2.86%	2.90%
Min Balance $250,000 Details Balance: $250,000 to $999,999 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 2.90% ▲ 0.15 pts · high 2.90% / low 2.75% Oct 2, 20262.90%▲ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Business Premier Money Market	2.62%	2.65%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50% Oct 2, 20262.65%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Business Premier Money Market	2.37%	2.40%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 2.40% ▲ 0.15 pts · high 2.40% / low 2.25% Oct 2, 20262.40%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Business Money Market	1.00%	1.00%
Min Balance $1,000,000 Details Balance: Over $1,000,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Business Money Market	0.75%	0.75%
Min Balance $250,000 Details Balance: $250,000 to $999,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Business Money Market	0.55%	0.55%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Business Money Market	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Business Money Market	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Business Money Market	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 to $24,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%

Jovia Federal Credit Union Checking Rates

Product	Rate	APY
Go Green Checking	4.89%	5.00%
Min Deposit $5 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: Balances <= $25,000.00 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Go Green Checking	0.10%	0.10%
Min Deposit $25,000 Min Balance $25,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: Balances >= $25,000.01 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%

Jovia Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Checking with Interest	0.25%	0.25%
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Business Earning Credit Checking	0.25%	0.25%
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%

Jovia Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
7/1 Adjustable Loan	6.375%	-	6.916%
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 6.55% → 6.92% ▲ 0.37 pts · high 6.92% / low 6.55% Oct 1, 20266.92%▲ from 6.79% Sep 27, 20266.79%▲ from 6.67% Sep 18, 20266.67%▲ from 6.55% Sep 15, 20266.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Fixed Rate Mortgages - 15 Year Fixed	6.75%	-	7.045%	15 Year
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.42% → 7.05% ▲ 0.63 pts · high 7.05% / low 6.42% Oct 7, 20267.05%▲ from 6.54% Sep 24, 20266.54%▲ from 6.42% Sep 15, 20266.42%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
10/1 Adjustable Loan	6.875%	-	7.17%
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 6.80% → 7.17% ▲ 0.37 pts · high 7.17% / low 6.80% Oct 1, 20267.17%▲ from 7.05% Sep 27, 20267.05%▲ from 6.92% Sep 18, 20266.92%▲ from 6.80% Sep 15, 20266.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
15/1 Adjustable Loan	7.00%	-	7.192%
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 6.82% → 7.19% ▲ 0.38 pts · high 7.19% / low 6.82% Oct 1, 20267.19%▲ from 7.07% Sep 27, 20267.07%▲ from 6.94% Sep 18, 20266.94%▲ from 6.82% Sep 15, 20266.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Fixed Rate Mortgages - 30 Year Fixed	7.25%	-	7.41%	30 Year
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.78% → 7.41% ▲ 0.63 pts · high 7.41% / low 6.78% Oct 7, 20267.41%▲ from 6.91% Sep 24, 20266.91%▲ from 6.78% Sep 15, 20266.78%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
VA 15 Year Fixed	6.50%	-	7.664%	15 Year
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 7.51% → 7.66% ▲ 0.15 pts · high 7.66% / low 7.51% Oct 7, 20267.66%▲ from 7.51% Sep 15, 20267.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Additional Mortgage - FHA 15 Year Fixed	6.50%	-	7.753%	15 Year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Additional Mortgage - FHA 30 Year Fixed	7.00%	-	7.824%	30 Year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.82% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
FHA 203K 30 Year Fixed	7.00%	-	7.824%	30 Year
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 7.31% → 7.82% ▲ 0.52 pts · high 7.82% / low 7.31% Oct 7, 20267.82%▲ from 7.31% Sep 15, 20267.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Fixed Rate Mortgages - 30 Year Jumbo	7.875%	-	7.892%	30 Year
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 7.27% → 7.89% ▲ 0.63 pts · high 7.89% / low 7.27% Oct 7, 20267.89%▲ from 7.39% Sep 24, 20267.39%▲ from 7.27% Sep 15, 20267.27%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
VA 30 Year Fixed	7.50%	-	7.96%	30 Year
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 7.19% → 7.96% ▲ 0.77 pts · high 7.96% / low 7.19% Oct 7, 20267.96%▲ from 7.19% Sep 15, 20267.19%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%

Jovia Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
HELOC Line of Credit	-	-	5.74%
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24% Oct 1, 20265.74%▲ from 5.24% Sep 15, 20265.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Home Equity Fixed Loan	-	-	8.00%
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 7.25% → 8.00% ▲ 0.75 pts · high 8.00% / low 7.25% Oct 1, 20268.00%▲ from 7.25% Sep 15, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
HELOC High LTV Line of Credit	-	-	8.50%
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25% Sep 18, 20268.50%▲ from 8.25% Sep 15, 20268.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%

Jovia Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	5.53%	12 Months
Details Model Year: 2023 - 2026 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.28% → 5.53% ▲ 0.25 pts · high 5.53% / low 5.28% Oct 2, 20265.53%▲ from 5.28% Sep 15, 20265.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans	-	-	5.53%	24 Months
Details Model Year: 2023 - 2026 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.28% → 5.53% ▲ 0.25 pts · high 5.53% / low 5.28% Oct 2, 20265.53%▲ from 5.28% Sep 15, 20265.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans	-	-	5.53%	36 Months
Details Model Year: 2023 - 2026 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.28% → 5.53% ▲ 0.25 pts · high 5.53% / low 5.28% Oct 2, 20265.53%▲ from 5.28% Sep 15, 20265.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans	-	-	5.53%	48 Months
Details Model Year: 2023 - 2026 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.28% → 5.53% ▲ 0.25 pts · high 5.53% / low 5.28% Oct 2, 20265.53%▲ from 5.28% Sep 15, 20265.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans	-	-	5.53%	60 Months
Details Model Year: 2023 - 2026 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.28% → 5.53% ▲ 0.25 pts · high 5.53% / low 5.28% Oct 2, 20265.53%▲ from 5.28% Sep 15, 20265.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans (2020-2022)	-	-	5.85%	12 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.35% → 5.85% ▲ 0.50 pts · high 5.85% / low 5.35% Oct 2, 20265.85%▲ from 5.35% Sep 15, 20265.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans (2020-2022)	-	-	5.85%	24 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.35% → 5.85% ▲ 0.50 pts · high 5.85% / low 5.35% Oct 2, 20265.85%▲ from 5.35% Sep 15, 20265.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans (2020-2022)	-	-	5.85%	36 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.35% → 5.85% ▲ 0.50 pts · high 5.85% / low 5.35% Oct 2, 20265.85%▲ from 5.35% Sep 15, 20265.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans (2020-2022)	-	-	5.85%	48 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.35% → 5.85% ▲ 0.50 pts · high 5.85% / low 5.35% Oct 2, 20265.85%▲ from 5.35% Sep 15, 20265.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans (2020-2022)	-	-	5.85%	60 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.35% → 5.85% ▲ 0.50 pts · high 5.85% / low 5.35% Oct 2, 20265.85%▲ from 5.35% Sep 15, 20265.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans	-	-	5.87%	72 Months
Details Model Year: 2023 - 2026 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.62% → 5.87% ▲ 0.25 pts · high 5.87% / low 5.62% Oct 2, 20265.87%▲ from 5.62% Sep 15, 20265.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans (2014-2019)	-	-	6.08%	12 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.58% → 6.08% ▲ 0.50 pts · high 6.08% / low 5.58% Oct 2, 20266.08%▲ from 5.58% Sep 15, 20265.58%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans (2014-2019)	-	-	6.08%	24 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.58% → 6.08% ▲ 0.50 pts · high 6.08% / low 5.58% Oct 2, 20266.08%▲ from 5.58% Sep 15, 20265.58%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans (2014-2019)	-	-	6.08%	36 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.58% → 6.08% ▲ 0.50 pts · high 6.08% / low 5.58% Oct 2, 20266.08%▲ from 5.58% Sep 15, 20265.58%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans (2014-2019)	-	-	6.08%	48 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.58% → 6.08% ▲ 0.50 pts · high 6.08% / low 5.58% Oct 2, 20266.08%▲ from 5.58% Sep 15, 20265.58%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans (2014-2019)	-	-	6.08%	60 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.58% → 6.08% ▲ 0.50 pts · high 6.08% / low 5.58% Oct 2, 20266.08%▲ from 5.58% Sep 15, 20265.58%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans (2020-2022)	-	-	6.10%	72 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.60% → 6.10% ▲ 0.50 pts · high 6.10% / low 5.60% Oct 2, 20266.10%▲ from 5.60% Sep 15, 20265.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans	-	-	6.32%	84 Months
Details Model Year: 2023 - 2026 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.07% → 6.32% ▲ 0.25 pts · high 6.32% / low 6.07% Oct 2, 20266.32%▲ from 6.07% Sep 15, 20266.07%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans (2014-2019)	-	-	6.33%	72 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.83% → 6.33% ▲ 0.50 pts · high 6.33% / low 5.83% Oct 2, 20266.33%▲ from 5.83% Sep 15, 20265.83%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans (2020-2022)	-	-	6.60%	84 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.10% → 6.60% ▲ 0.50 pts · high 6.60% / low 6.10% Oct 2, 20266.60%▲ from 6.10% Sep 15, 20266.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Auto Loans	-	-	7.32%	96 Months
Details Model Year: 2023 - 2026 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 7.07% → 7.32% ▲ 0.25 pts · high 7.32% / low 7.07% Oct 2, 20267.32%▲ from 7.07% Sep 15, 20267.07%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%

Jovia Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Advantage Credit Card	-	11.74%
Details Intro/promo APR: 2.99%; Intro rate expires: 12 months; Regular APR: 11.74% - 17.99% for purchases and balance transfers. Balance transfers must post to your card by the end of the promotional period. Balance transfers made after the promotional period ends will be subject to a fee of $5.00 or 3.00% of the amount of each balance transfer, whichever is greater. New Cardholders only. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 11.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%

Jovia Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	7.99%	12 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Personal Loans	8.24%	24 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 8.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Personal Loans	8.49%	36 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 8.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Personal Loans	8.99%	0-60 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Personal Loans	9.24%	48 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 9.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%
Personal Loans	9.99%	60 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%

Jovia Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Tuition Builder	0.98%	-	1.00%
Min Balance $34 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.47%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Jovia Federal Credit Union’s Texas Ratio rose from 5.50% in Q3 2023 to 9.47% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.6B	9.47%	5.0	A
March 31, 2026	$4.5B	9.14%	5.0	A
December 31, 2025	$4.5B	10.06%	5.0	A
September 30, 2025	$4.5B	9.28%	5.0	A
June 30, 2025	$4.5B	9.89%	5.0	A
March 31, 2025	$4.5B	10.52%	5.0	A
December 31, 2024	$4.5B	9.92%	5.0	A
September 30, 2024	$4.6B	9.54%	5.0	A
June 30, 2024	$4.5B	8.69%	5.0	A
March 31, 2024	$4.5B	8.34%	5.0	A
December 31, 2023	$4.4B	7.91%	5.0	A
September 30, 2023	$4.4B	5.50%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Jovia Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Jovia Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Jovia Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Jovia Federal Credit Union

Website https://www.jovia.org/

Address 1000 Corporate Dr, Westbury, NY 11590

Phone 516-561-0030

Fax

President Matthew McDonough

CEO John DeIeso

Full-Time Employees 481

Part-Time Employees 45

Branch Locations 20

ATM Locations 25

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.47%

Return on Assets (ROA)

0.3713%

Return on Equity (ROE)

3.7932%

Non-Performing Loans Ratio (NPL)

1.28%

Total Assets

4,563,417,480

Total Amount of Shares and Deposits

4,131,868,388

Total Shares and Deposits < 1 Year

3,964,504,157

Total Shares and Deposits 1 3 Years

145,319,121

Total Shares and Deposits > 3 Years

22,045,111

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

339,197,971

Total Uninsured Shares and Deposits > $250K (F+J)

377,825,026

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,754,043,362

Total Interest Expense (Sum of items 6 8)

47,917,877

Share Certificates

32,798

Number of Accounts for Share Drafts

144,056

IRA KEOGH Accounts

10,189

Number of Accounts for Regular Shares

234,789

All other shares

4,230

Non Member Deposits

Money Market Shares

5,480

Net Income (unless the amount is already included in Undivided Earnings)

16,945,398

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

182,275,029

Total Liabilities

4,200,754,744

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Jovia Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/jovia-federal-credit-union-rates-review-2760">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Jovia Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Jovia Federal Credit Union

Frequently Asked Questions About Jovia Federal Credit Union

How many branches does Jovia Federal Credit Union operate?

Jovia Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Jovia Federal Credit Union?

Yes, to access services at Jovia Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Jovia Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Jovia Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Jovia Federal Credit Union offer online and mobile banking?

Most modern institutions like Jovia Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.jovia.org/.

Current Jovia Federal Credit Union Rates

12-Month CD1.00%
18-Month CD4.00%
24-Month CD1.25%
60-Month CD2.25%
Savings5.00%
MMA3.55%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Jovia Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Jovia Federal Credit Union Texas Ratio

Jovia Federal Credit Union Health Trend

Jovia Federal Credit Union CD Rates

Jovia Federal Credit Union Savings Rates

Jovia Federal Credit Union Business Savings Rates

Jovia Federal Credit Union Money Market Rates

Jovia Federal Credit Union Business Money Market Rates

Jovia Federal Credit Union Checking Rates

Jovia Federal Credit Union Business Checking Rates

Jovia Federal Credit Union Mortgage Rates

Jovia Federal Credit Union Home Equity & HELOC

Jovia Federal Credit Union Auto Loan Rates

Jovia Federal Credit Union Credit Card Rates

Jovia Federal Credit Union Personal Loan Rates

Jovia Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Jovia Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Jovia Federal Credit Union

How many branches does Jovia Federal Credit Union operate?

Is a member application needed to join Jovia Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Jovia Federal Credit Union offer online and mobile banking?

Current Jovia Federal Credit Union Rates

Compare to Other Credit Unions