Lending Rates

Effective as of

Mortgages*

Type

APR

Rate

Monthly Payment1

7/1 Adjustable 7.409% 6.875% $985.00
10/1 Adjustable 7.415% 7.000% $998.00
15/1 Adjustable 7.376% 7.125% $1,011.00
15 Year Fixed 6.838% 6.625% $1,317.00
30 Year Fixed 7.133% 7.000% $998.00
30 Year Jumbo 7.517% 7.500% $8,391.00

Home Equity

Type

APR

Monthly Payment2

Line of Credit ‡ 6.990% $6.65
Fixed Loan † 8.500% $7.69
High LTV Line of Credit ± 10.000% $8.78

Auto Loans (2021-2025)

Term

APR

Monthly Payment2

12 Months 7.030% $86.54
24 Months 7.030% $44.79
36 Months 7.030% $30.90
48 Months 7.030% $23.96
60 Months 7.030% $19.82
72 Months 7.370% $17.32
84 Months 7.820% $15.50
96 Months 8.820% $14.56

Auto Loans (2018-2020)

Term

APR

Monthly Payment2

12 Months 7.170% $86.60
24 Months 7.170% $44.85
36 Months 7.170% $30.95
48 Months 7.170% $24.03
60 Months 7.170% $19.89
72 Months 7.720% $17.40
84 Months 8.020% $15.60

Auto Loans (2012-2017)

Term

APR

Monthly Payment2

12 Months 7.400% $86.71
24 Months 7.400% $44.96
36 Months 7.400% $31.06
48 Months 7.400% $24.14
60 Months 7.400% $20.00
72 Months 7.950% $17.51

Personal Loans

Term

APR

Monthly Payment2

12 Months 9.740% $87.80
24 Months 9.990% $46.15
36 Months 10.240% $32.39
48 Months 10.990% $25.85
60 Months 11.740% $22.12

Home Improvement Loan**

Term

APR

Monthly Payment2

0-60 Months 9.990% $21.24
61-120 Months 10.490% $13.49
121-180 Months 10.990% $11.36

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. Ask for details.

1 Monthly payments per $150,000 borrowed. Monthly payment for 30 Year Jumbo mortgage is calculated per $1,200,000 borrowed.

2 Monthly payments per $1,000 borrowed.

* Primary Residence and Second Home products are available, subject to specific terms in the following states: NY, NJ, FL. Investment properties are available in the following states NY, NJ.

Line of Credit - The terms and conditions are subject to change at any time without notice. 6.99% APR introductory rate 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.

Fixed Loans - Within the 10-year draw period, you may convert part or all of an existing home equity line of credit (HELOC) into a fixed-rate loan option, resulting in fixed monthly payments at a fixed interest rate. The minimum conversion amount is $20,000.00, up to the HELOC credit limit. A Conversion fee of $350 will apply. No minimum term is required; however, repayment term cannot exceed the original HELOC maturity date. If you wish to cancel a HELOC conversion prior to the end of the term, a Cancellation fee of $350 will be charged. The HELOC conversion rates are determined by the applicant’s credit history and requested term 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. Lines of credit over 80% LTV do not qualify for introductory 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.

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).

** All applicants must be on the title and occupy the property. Property must be borrower’s primary home and limited to one insured loan against the property. Seasonal, second homes, and rental property are not eligible. Other restrictions apply. Funds must be used for Home Improvement only. Borrower(s) must provide a bid or material list. Funds may be used to refinance or pay off home improvement completed within the last 6 months. Documentation on home improvement required. Maximum loan up to $75,000. Maximum loan term is 15 Years Amortization.