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.