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

Why Us

Save more, earn more, lead life

Why us? Because with Jovia on your side you can save more, earn more and lead the life you want with convenience and optimism. That’s why we call it banking on the bright side.

We are a credit union, which means we’re like a bank, only better. We have all the services of any big bank, but our rates are better and our fees are lower. Simply put, we make your hard-earned money work harder for you so you can do more at home, at work, or on vacation. But we also provide the kind of personal service big banks can’t offer because we know that finances aren’t just about money, but people’s daily needs and long-term aspirations.

Jovia is a new name, but we've been around for more than 80 years

One day, eight decades ago, a group of school employees met in Valley Stream on Long Island to start a new venture. They agreed to pool their savings to make it easier and less expensive for members to save and borrow money from each other, rather than a bank. Those workers took charge of their future that day. That entrepreneurial spark became Nassau Educators Federal Credit Union or NEFCU for short.

Today, as Jovia Financial, we are a thriving financial institution with more than $3 Billion in assets, 19 branches, and a network of over 55,000 ATMs worldwide. Jovia is a new kind of credit union, one focused on combining age-old service and value with the convenience that today’s technologies allow.

Make the switch to a Credit Union. We make it easy

Open an account with Jovia today to start enjoying better rates, lower fees, and friendlier service. We’re an organization built of people just like you, leading our lives with financial confidence.

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