NEFCU is now Jovia Financial Credit Union! Although we've changed our name, our commitment to you remains the same. Start banking on the bright side with Jovia today. Learn More

Lending Rates

Effective as of Thursday, October 17, 2019

Personal Loans

Title APR‡‡ Payment per Thousand
12 Months 9.990% $87.91
24 Months 9.990% $46.15
36 Months 9.990% $32.26
48 Months 9.990% $25.36
60 Months 9.990% $21.24
12 Months
APR‡‡ 9.990%
Payment per Thousand $87.91
24 Months
APR‡‡ 9.990%
Payment per Thousand $46.15
36 Months
APR‡‡ 9.990%
Payment per Thousand $32.26
48 Months
APR‡‡ 9.990%
Payment per Thousand $25.36
60 Months
APR‡‡ 9.990%
Payment per Thousand $21.24

View Personal Loans

2018-2020 Auto Loan

Term APR* Payment per Thousand
12 Months 2.890% $84.64
24 Months 2.890% $42.93
36 Months 2.890% $29.03
48 Months 2.890% $22.09
60 Months 2.890% $17.92
72 Months 3.190% $15.28
84 Months 3.590% $13.48
96 Months 4.290% $12.32
12 Months
APR* 2.890%
Payment per Thousand $84.64
24 Months
APR* 2.890%
Payment per Thousand $42.93
36 Months
APR* 2.890%
Payment per Thousand $29.03
48 Months
APR* 2.890%
Payment per Thousand $22.09
60 Months
APR* 2.890%
Payment per Thousand $17.92
72 Months
APR* 3.190%
Payment per Thousand $15.28
84 Months
APR* 3.590%
Payment per Thousand $13.48
96 Months
APR* 4.290%
Payment per Thousand $12.32

View 2018-2020 Auto Loan

2017 Auto Loan•

Term APR* Payment per Thousand
12 Months 3.090% $84.73
24 Months 3.090% $43.02
36 Months 3.090% $29.12
48 Months 3.090% $22.17
60 Months 3.090% $15.32
72 Months 3.290% $15.23
84 Months 4.090% $13.71
12 Months
APR* 3.090%
Payment per Thousand $84.73
24 Months
APR* 3.090%
Payment per Thousand $43.02
36 Months
APR* 3.090%
Payment per Thousand $29.12
48 Months
APR* 3.090%
Payment per Thousand $22.17
60 Months
APR* 3.090%
Payment per Thousand $15.32
72 Months
APR* 3.290%
Payment per Thousand $15.23
84 Months
APR* 4.090%
Payment per Thousand $13.71

View 2017 Auto Loan•

2011-2016 Auto Loan•

Term APR* Payment per Thousand
12 Months 3.190% $84.78
24 Months 3.190% $43.07
36 Months 3.190% $29.17
48 Months 3.190% $22.22
60 Months 3.190% $18.05
72 Months 3.790% $15.55
12 Months
APR* 3.190%
Payment per Thousand $84.78
24 Months
APR* 3.190%
Payment per Thousand $43.07
36 Months
APR* 3.190%
Payment per Thousand $29.17
48 Months
APR* 3.190%
Payment per Thousand $22.22
60 Months
APR* 3.190%
Payment per Thousand $18.05
72 Months
APR* 3.790%
Payment per Thousand $15.55

View 2011-2016 Auto Loan•

Home Equity

Title APR* Term Payment per Thousand
Home Equity Line of Credit 1.990% N/A N/A
Home Equity Fixed Loan 4.000% $18.42 60 Months
Home Equity Line of Credit
APR* 1.990%
Term N/A
Payment per Thousand N/A
Home Equity Fixed Loan
APR* 4.000%
Term $18.42
Payment per Thousand 60 Months

View Home Equity

Mortgages

Type Rate APR*
7/1 Adjustable^ 3.000% 3.863%
10-Year Adjustable 3.000% 3.670%
15-Year Fixed 3.000% 3.117%
30-Year Fixed 3.375% 3.440%
30-Year Jumbo 3.625% 3.625%
7/1 Adjustable^
Rate 3.000%
APR* 3.863%
10-Year Adjustable
Rate 3.000%
APR* 3.670%
15-Year Fixed
Rate 3.000%
APR* 3.117%
30-Year Fixed
Rate 3.375%
APR* 3.440%
30-Year Jumbo
Rate 3.625%
APR* 3.625%

View Mortgages

Disclosures:

^ Jovia Financial does not charge closing costs on the no-closing cost option. Member is still responsible for certain mortgage settlement costs. Contact the Credit Union for further information. Information on current registered

• Jovia Financial will finance vehicles from 2011 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%.

* 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.

APR = Annual Percentage Rate. 1.99% APR introductory rate is fixed for the first twelve (12) months. Rate floor is the Prime Rate less ¼, currently 5.00%. Rates are based on the Prime Rate published in the Wall Street Journal less ¼ plus a margin of up to 2.5%. The Prime Rate currently is 5.50%. Terms and conditions are subject to change without notice. The rate will revert to as low as Prime less ¼ once a twelve (12) 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. The maximum APR imposed under the plan will not exceed 18%.

APR = Annual Percentage Rate. 1.99% APR introductory rate is fixed for the first twelve (12) months. Rate floor is the Prime Rate less ¼ percent. The prime rate is currently 5.00%. Rates shown are the lowest rates offered for the advertised product. Applicant's 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.