In observance of Martin Luther King Jr. Day, Jovia will be closed Monday, January 20th.

Important Update: NEFCU is now Jovia Financial Credit Union! Although we've changed our name, our commitment to you remains the same. Start banking on the bright side with Jovia today. Learn More

Visa® Advantage

Make low rates a priority

Want to pay less for using your credit card? Then make low rates a high priority! If you carry a balance on your credit card, our low-rate Visa® Advantage Credit Card has no annual fee, no balance transfer fee, and no foreign transaction fees. Plus, you can enjoy a 1.99% APR°on purchases and balance transfers for the first 12 months, then as low as 9.49% thereafter.

Low Introductory Rate

Get a low 1.99% APR on purchases and balance transfers for 12 months.° Even after the introductory period, you'll get a great low rate that will help you save on interest.

Save Money

Unlike other credit cards, a Jovia Visa® Advantage Card has no annual, balance transfer or foreign transaction fees.


Use your Jovia Visa® Advantage Card to pay for purchases with Apply Pay, Samsung Pay, and Google Pay.


Manage your spending and protect your card against fraud with card alerts.


°APR = Annual Percentage Rate. Stated promotional rate of 1.99% APR is valid for 12 months for purchases and balance transfers from the date of account opening. Use of your card for purchases and balance transfers constitutes your agreement to the stated terms, as well as your account terms as a Visa® cardholder. Balance transfers must post to your card by the end of the promotional period. After the promotional period, the cardholder's APR will default to the cards non-promotional APR ranging from Prime+4.74% to Prime+14.74% APR, 17.99% rate cap. Offers do not apply to Business Cards. Existing Jovia Financial Credit Union balance transfers are subject to the standard account rate. Not all applicants may be approved. Refer to Visa Advantage Terms and Conditions for account details. Transactions Fees for Visa Advantage include 3% of transaction amount for Cash Advances.

Certain terms, conditions, and exclusions apply. In order for benefit coverage to apply, you must use your covered Visa Signature card to secure transactions. Please refer to your guide to benefits for further details.

New Cardholders only. Existing Jovia Cardholders are not eligible. Rates and terms are subject to change without notice.

Traveling out of the country? Please let us know to avoid any card issues while away.