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Jovia Financial Credit Union (formerly known as NEFCU) has been open since 1938. It's the 8th largest credit union in New York with assets totaling $4.58 Billion and providing banking services to more than 200,000 members. Membership: The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member and access banking services. Membership is also open to immediate family of current members.