Home Equity Line of Credit
Jovia's HELOC is in full bloom!
Bring your spring projects to life with a Home Equity Line of Credit from Jovia. Take advantage of one of the best rates on the market, with an intro rate as low as 5.24% APY1 for the first 12 months. Whether you are planning a big renovation or smaller upgrades, now is the time to get started.
And, when you open a HELOC today, you will be entered for a chance to win a $250 Home Depot gift card.2
A brighter way to fund your next project starts here.
Choose what's right for you
This is a carousel with rotating slides. Use Next and Previous buttons to navigate, or use the slide dots to rotate and go to the next/previous slides.
Save & Spend
Tired of paying fees for using your bank? Us, too. That’s why we reward you for growing your balance and using your account.
Start Saving
Credit Cards
Whether you're building credit or looking to earn cash back with every swipe, we give you the flexibility you need to help you spend smarter.
Compare Cards
Borrow
Have dreams of owning a home or buying a new car, but lack the funds? Our low-rate loans can help you reach your goals.
Find Financing
Invest & Plan
Start planning for the future you want with the help of our team of experts who will help you reach your long and short-term financial goals.
Start Planning
Learn & Grow
From buying a home to saving for retirement, there’s a lot to learn. You can learn everything you need to know with our curated advice.
Get Advice
The following is a question and answer module. Select one of the answers for the question to proceed to the next question.
How does this statement describe you?
1 The terms and conditions are subject to change at any time without notice. Introductory rate is based on your credit score and is fixed for the first twelve (12) 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.
2 Entry period valid from January 1, 2026, through December 31, 2026, and is available online and in our Jovia branch locations. Existing accounts and applications submitted prior to the promotional period do not qualify. All qualifying loan applications must be approved and closed on by December 31, 2026, to be counted as an eligible entry. Limited to one (1) entry per member during the promotional period. All offers can be withdrawn at any time and are subject to change without notice. Membership eligibility requirements apply. Employees, volunteers and affiliates of Jovia, and their immediate families are not eligible for a prize. Jovia and its agencies assume no responsibility or liability for damages, losses or injury resulting from acceptance or use of any gift. There will be twelve (12) drawings to be held on or about February 1, 2026, March 1, 2026, April 1, 2026, May 1, 2026, June 1, 2026, July 1, 2026, August 1, 2026, September 1, 2026, October 1, 2026, November 1, 2026, December 1, 2026, and January 6, 2027. Winners selected and contacted within four (4) days of random drawing via email and/or phone provided on member’s account. Potential winners must accept prize within seven (7) days of being notified. The value of the winning prize will be reported on the applicable IRS 1099 Form. For full details and official rules can be found here or visit a Jovia Branch location.
Membership eligibility requirements apply.