In observance of Martin Luther King Jr. Day, Jovia will be closed Monday, January 18th.

Know before you go. Visit our Coronavirus Resource Center to learn about service updates and safety requirements before your next trip to the branch and to get information about stimulus payments. Learn more

Due to COVID-19, all in-branch service, excluding teller transactions, continues to be by appointment only. Schedule an appointment

Member Services

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Helping our Members Through Challenging Times

We understand that making your monthly payments may not be possible during these difficult times. That’s why we offer several programs that will ease your financial burden. These programs – also called deferment or forbearance programs – are based on the type of loan(s) you have.

Here's what we can do for you:


️

Personal Loans & Auto Loans

  • Payments can be deferred up to 3 months
  • Payments will not be required during the deferment period
  • Interest still accrues
  • The term of your loan will be extended accordingly so you can make those payments at the end of your loan

Leases

  • Payments can be deferred up to 3 months
  • Payments will not be required during the deferment period
  • The term of the lease remains the same. The total of the deferred principal and interest payments will be due as a balloon payment on the lease’s maturity date.

Credit Cards

  • Payments can be deferred up to 3 months
  • Payments will not be required during the deferment period
  • Interest still accrues
  • After the deferment period, you will need to make at least the minimum monthly payment (typically 2% of the outstanding balance)

Home Equity Lines of Credit

  • Payments can be deferred up to 3 months
  • Interest still accrues
  • Payments will not be required during the deferment period
  • The total of the deferred interest and/or principal payments deferred will be due upon payment in full of your line

Unsecured Lines of Credit (Overdraft)

  • Payments can be deferred up to 3 months
  • Payments will not be required during the deferment period
  • Interest still accrues
  • At the end of the deferment period, the regular payment will be due (2.5% of the outstanding balance, or $25, whichever is higher)

1st Mortgages without Escrow and Home Equity Loans without Escrow

  • Principal and interest payments can be deferred up to 3 months
  • Interest still accrues
  • Payments will not be required during the deferment period
  • Your maturity date will remain the same
  • The unpaid amount will be due as a balloon payment at the end of the loan

1st Mortgages with Escrow and Home Equity Loans with Escrow

  • Principal and interest payments can be deferred up to 3 months
  • Interest still accrues
  • Principal and interest payments will not be required during the deferment period
  • Member will be responsible to pay escrow during this time
  • Your maturity date will remain the same
  • The unpaid amount will be due as a balloon payment at the end of the loan

Fannie Mae Mortgages
Forbearance programs on Fannie Mae mortgages are determined by Fannie Mae and are not credit union policies.

Not sure if you have a Fannie Mae mortgage? Click here to check https://www.knowyouroptions.com/loanlookup

Please contact us so we may review with you the options that Fannie Mae has available.

Fannie Mae offers mortgage relief solutions to help homeowners facing financial hardship because of COVID-19. If you have been impacted, you may be eligible for a forbearance plan that will temporarily reduce or suspend your mortgage payment for up to 180 days, and an additional 180 days, if your hardship continues.

For additional information on the Fannie Mae forbearance program, visit: https://www.knowyouroptions.com/covid19assistance

Student Loans

This program is administered by Student Choice. Please contact them directly at 202-552-8256 or www.studentchoice.org.

Ready to Request Assistance? We are here to help! Fill in the request form below and we will get back to you within 5 to 7 business days!