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 $3.38 Billion and providing banking services to more than 197,000 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.