As a non-profit, member-owned credit union, you can bet your bottom dollar that we have lower rates on loans and higher earnings on deposits. Plus, there’s so much more we have to offer, like benefits beyond your everyday banking needs. Afterall, we’re here to serve you! We offer helpful advice by hosting free seminars and events to educate and enlighten. We provide scholarships to eligible members in high school and college . And, for our teachers, we offer grants to power their classrooms . At Jovia, we strive to provide you with more than just a great place to put your money; that’s our promise to you.