Jovia Financial Credit UnionVISA AdvantageRegistry illustration · issuer artwork unavailable

VISA AdvantageJovia Financial Credit Union · federal credit union, NY · NCUA 2760

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

11.49%–17.99%

great to good

Balance transfer

2.99% introductory · reported median duration 12 mo

no ongoing rate filed

Cash advance APR

11.29%–17.99%

variable

Annual fee

a year

Foreign fee

Grace period

Not offered

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory, reported median duration 12 months	2.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 12.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 17.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	11.49%–17.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfersintroductory rate first
Introductory, reported median duration 12 months	median 2.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Introductory, reported median duration 12 months	median 2.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Introductory, reported median duration 12 months	median 2.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Introductory, reported median duration 12 months	median 2.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Introductory, reported median duration 12 months	2.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances
Great credit	median 12.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 17.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	11.29%–17.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	Not offered from the close of each billing cycle	—	—
Minimum interest charge	$0.50	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Transaction fees
Cash advance	$5 or 3%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	$5 minimum or 3%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$25Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
None disclosed	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer terms	NoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Opening conditions	As a credit union this is limited to members within our charter of Nassau and Suffolk counties in New York.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

Visa Advantage Credit Card Agreement and Disclosurepage 1 of 2

30.Final Expression:This Agreement is the final expression of the Terms and Conditions of this ViSA Line of Credit between vou and the Credit Union. This written Agreement may not be contradicted by evidence of any alleged oral agreement

Your Billing Rights

Keep This Notice For Future Use

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.

Notify Us in Case of Errors or Questions About Your Statement

If you think your statement is wrong.or if you need more information about a transaction on your statement,send us a letter with your questions to the address listed on your statement as soon as possible We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared.You can telephone us,but doing so will not preserve your rights.In your letter,please provide the following information

Your name and account number

The dollar amount of the suspected error.

Describe the error and explain, if you can, why you believe there is an error. If you need more information,describe the item you are not sure about

lf you have authorized us to pay your Credit Card bill automatically from your Share savings or checking account,you can stop the payment on any amount that you think is incorrect.To stop the payment,your letter must reach us three business days before the automatic payment is scheduled to occur

Your Rights and Our Responsibilities After We Receive Your Written Notice

We must acknowledge your letter within 30 days,unless the problem has already been corrected.Within 90 days,we must either correct the error or explain why we believe the statement was correct.After we receive your letter,we cannot try to collect any amount you question,or report you as delinquent. We can continue to bill you for the amount you question,including FINANCE CHARGES,and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount during our investigation, but you are still obligated to pay the parts of your bill that are not in question.If we find that we made a mistake on your statement,you will not have to pay any FINANCE CHARGES related to any questioned amount.lf we did not make a mistake,you may have to pay FINANCE CHARGES,and you will have to make up any missed payments on the questioned amount.In either case,we will send you a statement of the amount you owe and the date it is due.if you fail to pay the amount you owe,we may report you as delinquent. However f our explanation does not satisfy you and you write to us within ten days telling us you still refuse to pay,we must include in our reporting that you have a question about your statement. And,we must provide you with the Name to whom we have reported you. We must also tell anyone we report you to that the matter has been settled between us when it finally

Special Rule for Credit Card Purchases(Merchant Disputes

If you have a problem with the quality of property or services that you purchased with a Credit Card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the property or services.There are two limitations on this right

You must have made the purchase in your home state,or if not within your home state within 100 miles of your current mailing address; and

The purchase price must have been more than $50.These limitations do not apply if we own or operate the merchant,or if we mailed you the advertisement for the property or services

M-112480 Rev 10/2014

NEFCU Cisaidvantage

Agreement &Disclosure

Visao Advantage Credit Card PPca Balance Transfers · 7.99% i Variable Rate Info · Your APR may vary The APR for purchases, cash advances and balance trgg Paying Aterest on Purchases: · ey the period of time you can pay your balance in full without paying interest DDUCHSCS Chargem Interest · fyo arcatr.hecammbem an 5n Other Fees and Charges Annual Fee · None Transaction Foos: · Balance Transter Fee 3% of transaction amount Cash Acvance Fee 3% oftransaction amouni Foreign Transaction 2% ofeach transaction in US Dollars Penalty Fees: · eaymenFup to5 Returned Payment (check returned fee) up to $25

How We Will Calculate Your Balance:We use a method called"average daily balance excluding new purchases he Terms governing the use of your Credit Card are printed on this form.The terms ol your account,including APRs,are subject to change.These Terms may be amended or supplemented by separate notices to you,including any notices you have previously received from us, The Disclosures required by Federal law are also set forth below, including a statement containing important information regarding your rights to dispute billing errors Keep this form so you can refer to it if you have any questions regarding your account

Terms Governing the Use of Your Card

In this agreement the words"you,'your,and'cardholder'means or refers to all persons who have signed an application for a NEFCU Visa Advantage Credit Card loan plan We'orUsrefer to Nassau Educators FederalCreditUnionNEFCU.Cardmeans the NEFCU Visa Advantage Credit Card and any duplicates or renewal we issue.Account means vour VISA Credit Card Line of Credit account with us. Convenience Checks"means any convenience checks issued by the Credit Union. This is the Cardholder Agreement and Disclosure Statement that governs the use of your Account. Please read it and keep it for your records.The person (Cardholder)whose name is embossed on the face of the VISA(Card') enclosed herewith.and each Cardholderin the event more than one Card is enclosed herewith bearing the sarme account number, by signing or using said Card,receipt of which is acknowledged, agrees with NEFCU.the Issuer of the Card,(lssueras follows.

1.Type of Transactions: Cardholdor shall not use the Card for any transaction that violates any Federal,State or Local law.Goods and services(Credit Purchases) may be purchased or leased by means of such Card by Cardholder from any retail business establishment Sellerwho honors same upon the execution of a sales slip evidencing such Credit Purchase and bearing the account number of Cardholder embossed on the face of such Card.Additionally,VISA Cash Advances (*Loans)may be obtained through

1 2No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR max, Transfer APR median, Transfer APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR good, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR great, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR no score, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR poor, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Advance APR good, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Advance APR great, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Intro APR max, Intro APR median, Intro APR min, Introductory APR Offered?, Median Length of Introductory APR, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Additional Fees, Other Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:jovia-financial-federal-credit-union:visa-advantage
Fields: Geographic Restrictions, Requirements for Opening, Requirements for Opening Types
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Jovia Financial Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 2760
Branches: 20 in NY
Sources: Government dataset · 1 document · 0 pages cited

Documents

Visa Advantage Credit Card Agreement and Disclosureeffective date not parsed

VISA AdvantageJovia Financial Credit Union · federal credit union, NY · NCUA 2760

Rates and fees