Jovia Financial Credit UnionCredit Boost Secured Visa® AdvantageRegistry illustration · issuer artwork unavailable
Credit Boost Secured Visa® AdvantageJovia Financial Credit Union · federal credit union, NY · NCUA 2760
CurrentLast observed Oct 15, 2026Source date Oct 15, 2026Official issuerCredit card · Consumer · Visa · securedNetwork stated on issuer website
Purchase APR
Balance transfer
Cash advance APR
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Foreign fee
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | 17.99%JOVIA FINANCIAL · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “17.99% APR”JOVIA FINANCIAL · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| APR for balance transfers | 17.99%JOVIA FINANCIAL · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “17.99% APR”JOVIA FINANCIAL · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | NoneJOVIA FINANCIAL · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “None”JOVIA FINANCIAL · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Transaction fees | |||
| Cash advance | 3% of the amount, APR=Annual Percentage Rate. The Credit Boost Visa Advantage Card is a Secured credit card. Minimum opening balance is $500. 105% of the approved credit limit must be secured in the member’s share account at time of card opening. An annual review will be conducted twelve (12) months after card opening. If said review qualifies the member for an unsecured card, they will be eligible to graduate to an unsecured Visa Advantage unless they choose to opt out. If the member does not opt-out conversion will be automatic, and the secured funds will be released. Refer to Credit Boost Visa Advantage Card Terms and Conditions for account details. Transaction fees include 3% of the transaction amount for cash advances.JOVIA FINANCIAL · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “APR=Annual Percentage Rate. The Credit Boost Visa Advantage Card is a Secured credit card. Minimum opening balance is $500. 105% of the approved credit limit must be secured in the member’s share account at time of card opening. An annual review will be conducted twelve (12) months after card opening. If said review qualifies the member for an unsecured card, they will be eligible to graduate to …”JOVIA FINANCIAL · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Balance transfer | 3% of the amount, minimum $5, $5.00 or 3.00% of the amount of each balance transfer, whichever is greater.JOVIA FINANCIAL · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “$5.00 or 3.00% of the amount of each balance transfer, whichever is greater.”JOVIA FINANCIAL · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| Opening conditions | APR=Annual Percentage Rate. The Credit Boost Visa Advantage Card is a Secured credit card. Minimum opening balance is $500. 105% of the approved credit limit must be secured in the member’s share account at time of card opening. An annual review will be conducted twelve (12) months after card opening. If said review qualifies the member for an unsecured card, they will be eligible to graduate to an unsecured Visa Advantage unless they choose to opt out. If the member does not opt-out conversion will be automatic, and the secured funds will be released. Refer to Credit Boost Visa Advantage Card Terms and Conditions for account details. Transaction fees include 3% of the transaction amount for cash advances.JOVIA FINANCIAL · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “APR=Annual Percentage Rate. The Credit Boost Visa Advantage Card is a Secured credit card. Minimum opening balance is $500. 105% of the approved credit limit must be secured in the member’s share account at time of card opening. An annual review will be conducted twelve (12) months after card opening. If said review qualifies the member for an unsecured card, they will be eligible to graduate to …”JOVIA FINANCIAL · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Opening conditions | APR=Annual Percentage Rate. The Credit Boost Visa Advantage Card is a Secured credit card. Minimum opening balance is $500. 105% of the approved credit limit must be secured in the member’s share account at time of card opening. An annual review will be conducted twelve (12) months after card opening. If said review qualifies the member for an unsecured card, they will be eligible to graduate to an unsecured Visa Advantage unless they choose to opt out. If the member does not opt-out conversion will be automatic, and the secured funds will be released. Refer to Credit Boost Visa Advantage Card Terms and Conditions for account details. Transaction fees include 3% of the transaction amount for cash advances.JOVIA FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “APR=Annual Percentage Rate. The Credit Boost Visa Advantage Card is a Secured credit card. Minimum opening balance is $500. 105% of the approved credit limit must be secured in the member’s share account at time of card opening. An annual review will be conducted twelve (12) months after card opening. If said review qualifies the member for an unsecured card, they will be eligible to graduate to …”JOVIA FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Opening conditions | APR=Annual Percentage Rate. The Credit Boost Visa® Advantage Card is a Secured credit card. Minimum opening balance is $500. 105% of the approved credit limit must be secured in the member’s share account at time of card opening. An annual review will be conducted twelve (12) months after card opening. If said review qualifies the member for an unsecured card, they will be eligible to graduate to an unsecured Visa Advantage unless they choose to opt out. If the member does not opt-out conversion will be automatic, and the secured funds will be released. Refer to JOVIA FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “APR=Annual Percentage Rate. The Credit Boost Visa® Advantage Card is a Secured credit card. Minimum opening balance is $500. 105% of the approved credit limit must be secured in the member’s share account at time of card opening. An annual review will be conducted twelve (12) months after card opening. If said review qualifies the member for an unsecured card, they will be eligible to graduate to…”JOVIA FINANCIAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsBalance transfer · Regular; Purchase · Regular | 17.99% APRJOVIA FINANCIAL · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “17.99% APR”JOVIA FINANCIAL · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |