Learn and Grow
Grab a cup of "jo" and learn the basics of banking with Jovia
At Jovia, we’re all about keeping things simple. If you’re ready to get in the know, then you’re ready to meet with Jo. Jo breaks down your most complex financial questions and provides easy to understand answers and explanations. So, if you’ve been wondering how to start budgeting or whether you should lease or buy your next car, Jo’s got you covered.
Youth Savings Account
You can never be too young to begin saving. In fact, the sooner children open a youth savings account, the better their chances of learning good habits for saving money, as explained by Jo and her new assistant, Joseph. (And remember – his name is “Joseph.”)
Home Equity Line of Credit
What is a HELOC? It's an acronym that stands for “home equity line of credit.” That means, your home could be leveraged as a financial asset that you can use for a line of credit, complete with good interest rates and maybe even tax benefits.
Your Credit
Did you know that your credit score could be thought of as a “financial report card?” Jo from Jovia presents a checklist of what it takes to maintain a good credit score, from keeping low balances to paying bills on time. Find out more about the credit services offered by Jovia Financial Credit Union. (You’ll also have a chance to see Jo’s unusual avocado plant.)
Mortgage Preapproval
Buying a home is one of the biggest steps to take. And, finding the right mortgage to match is an equally important step. Jo from Jovia explains the preapproval process in figuring out how much money is needed to buy a home.
Cyber Security
Online shopping is convenient, easy - but risky. Knowledge is power, and Jo from Jovia is here to offer some basic knowledge of what to be on the lookout for whenever you shop online, as well as how to guard against scam sites.
Credit Unions vs. Banks
What is the difference between a credit union and a bank? Jo from Jovia covers the similarities – and differences – between the two types of financial institutions. (Oh, if you live on Long Island, within our field of membership, you’ve already met one requirement to join Jovia!)