Lending Rates

Effective as of Wednesday, December 8, 2021

Mortgages

Type

Rate

APR*

Monthly Payment1

7/1 Adjustable 2.500% 2.774% $593.00
10/1 Adjustable 2.500% 2.783% $593.00
15 Year Fixed 2.250% 2.400% $983.00
30 Year Fixed 3.000% 3.031% $632.00
30 Year Jumbo 3.000% 3.014% $3,794.00

Home Equity

Type

APR

Monthly Payment2

Line of Credit ‡ 0.990% $3.21
Fixed Loan † 4.000% $18.42

Auto Loans (2019-2021)•

Term

APR

Monthly Payment2

12 Months 2.390% $84.50
24 Months 2.390% $42.76
36 Months 2.390% $28.84
48 Months 2.390% $21.89
60 Months 2.390% $17.72
72 Months 2.490% $14.99
84 Months 2.900% $13.19
96 Months 3.990% $12.21

Auto Loans (2016-2018)•

Term

APR

Monthly Payment2

12 Months 2.590% $84.61
24 Months 2.590% $42.86
36 Months 2.590% $28.94
48 Months 2.590% $21.98
60 Months 2.590% $17.81
72 Months 2.790% $15.12
84 Months 3.290% $13.37

Auto Loans (2012-2015)•

Term

APR

Monthly Payment2

12 Months 2.890% $85.75
24 Months 2.890% $42.99
36 Months 2.890% $29.07
48 Months 2.890% $22.12
60 Months 2.890% $17.95
72 Months 3.490% $15.44

Personal Loans

Term

APR

Monthly Payment2

12 Months 7.990% $87.28
24 Months 7.990% $45.38
36 Months 7.990% $31.44
48 Months 7.990% $24.50
60 Months 7.990% $20.35

Disclosures:

APR = Annual Percentage Rate. All loan types, rates, and terms are based on an applicant's credit history and are subject to change without notice. Not all applicants may be approved.

1 Monthly payments per $150,000 borrowed. Monthly payment for 30 Year Jumbo mortgage is calculated per $900,000 borrowed.

2 Monthly payments per $1,000 borrowed.

* APR = Annual Percentage Rate. All loan types, rates, and terms are based on an applicant's credit history and are subject to change without notice. Not all applicants may be approved. Ask for details.

APR = Annual Percentage Rate. 0.99% APR introductory rate is fixed for the first nine (9) months. Rates are based on the Prime Rate published in the Wall Street Journal or plus a margin up to 2.5%. Terms and conditions are subject to change without notice. The rate may revert to as low as Prime once a nine (9) month introductory period has expired. Rates shown are the lowest rates offered for the advertised product. Rates and terms are based on an applicant's credit history and LTV. The maximum APR imposed under the plan will not exceed 18% and will not go below 3.25%.

APR = Annual Percentage Rate. Rates shown are the lowest rates offered for the advertised product. Applicants who are not approved at these rates may be offered a higher rate. The rate you receive will be determined by your credit history and past credit performance. Not all applicants may be approved.

• Jovia Financial will finance vehicles from 2012 and newer. Minimum vehicle loan amount for a 6-year term is $15,000; the minimum for a 7-year term is $25,000; and the minimum for an 8-year term is $30,000. Not all borrowers will qualify for the 96 month financing. In order to qualify, the borrower must maintain a credit score of 670 or higher. Only new vehicles will qualify for an 8-year term with a maximum loan-to-value equal to 100%. Jovia Financial Credit Union will not finance commercial vehicles, or livery and rideshare vehicles. Jovia will not finance vehicles with salvage or grey titles (vehicles manufactured outside of the U.S. that are not built to meet U.S. safety standards).