Lending Rates

Effective as of Friday, May 20, 2022

Mortgages

Type

APR*

Rate

Monthly Payment1

7/1 Adjustable 4.344% 3.625% $684.00
10/1 Adjustable 4.310% 3.750% $695.00
15/1 Adjustable 4.485% 4.250% $738.00
15 Year Fixed 4.534% 4.375% $1,138.00
30 Year Fixed 5.094% 5.000% $805.00
30 Year Jumbo 5.016% 5.000% $4,831.00

Home Equity

Type

APR

Monthly Payment2

Line of Credit ‡ 0.990% $3.21
Fixed Loan † 4.000% $18.42
High LTV Line of Credit ± 5.500% $5.68

Auto Loans (2019-2023)

Term

APR

Monthly Payment2

12 Months 2.490% $84.55
24 Months 2.490% $42.80
36 Months 2.490% $28.89
48 Months 2.490% $21.94
60 Months 2.490% $17.77
72 Months 2.590% $15.03
84 Months 3.000% $13.23
96 Months 4.090% $12.26

Auto Loans (2016-2018)

Term

APR

Monthly Payment2

12 Months 2.690% $84.65
24 Months 2.690% $42.90
36 Months 2.690% $28.98
48 Months 2.690% $22.03
60 Months 2.690% $17.86
72 Months 2.890% $15.17
84 Months 3.390% $13.41

Auto Loans (2012-2015)

Term

APR

Monthly Payment2

12 Months 2.990% $84.80
24 Months 2.990% $43.04
36 Months 2.990% $29.12
48 Months 2.990% $22.16
60 Months 2.990% $17.99
72 Months 3.590% $15.49

Personal Loans

Term

APR

Monthly Payment2

12 Months 4.990% $85.78
24 Months 5.249% $44.09
36 Months 5.490% $30.27
48 Months 6.249% $23.67
60 Months 6.990% $19.86

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.

Line of Credit - The terms and conditions are subject to change at any time without notice. 0.99 APR introductory rate is fixed for the first nine (9) months begins on the date of account opening. After the introductory period ends, all remaining balances will automatically convert to the variable APR per terms of the HELOC agreement. The variable APR is based on Prime plus a margin up to 2.5% and will vary with Prime. The maximum APR will not exceed 18%. Minimum APR cannot be lower than 3.25%. Not all applicants may be approved.

Fixed Loans - You may convert an existing home equity line of credit (HELOC) into a fixed-rate loan option, resulting in fixed monthly payments at a fixed interest 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.

± High LTV (Loan to Value) Line of Credit - You may borrow up to 100% of your home’s value, minus your mortgage balance. 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.

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). Due to recent dealership and manufacturer documentation restrictions, Jovia cannot refinance leases (lease buyouts) financed by Nissan, Infiniti, and Mazda.