If your business is interested in SBA relief programs, our business lending partner Newtek can help. Please click here to be contacted directly by Newtek.

Due to the impact of the coronavirus, Jovia’s branch and service hours have changed. We have temporarily closed select branches and all in-branch member service needs will be by appointment only. For more information, please click here.

Lending Rates

Effective as of Monday, April 6, 2020

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

2019-2021 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 2019-2021 Auto Loan

2018 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 2018 Auto Loan•

2012-2017 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 2012-2017 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^ 3.5% 3.434%
10/1 Adjustable 3.5% 3.366%
15-Year Fixed 3.25% 3.346%
30-Year Fixed 3.75% 3.804%
30-Year Jumbo 4.25% 4.266%
7/1 Adjustable^
Rate 3.5%
APR* 3.434%
10/1 Adjustable
Rate 3.5%
APR* 3.366%
15-Year Fixed
Rate 3.25%
APR* 3.346%
30-Year Fixed
Rate 3.75%
APR* 3.804%
30-Year Jumbo
Rate 4.25%
APR* 4.266%

View Mortgages

Disclosures:

‡‡ 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 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 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%.

* 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. 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 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 and LTV. The maximum APR imposed under the plan will not exceed 18% and will not go below 3.5%.

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.