Jovia Financial Credit Union

Westbury, New York
Last verified: August 4, 2026
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Verified rate book

Current Jovia Financial Credit Union rates

101 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

19 offers
Jovia Financial Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.375% APR6.375%—Standard
FHA 203K 30 Year Fixed30 year fixed6.375% APR6.375%—Standard
VA 30-Year Fixed30 year fixed6.500% APR6.500%—Standard
30-Year Fixed30 year fixed6.539% APR6.539%—Standard
Featured Rates & Terms (VA 30 Year Fixed)30 year fixed6.932% APR6.932%—Standard
Jumbo 30-Year Fixed30 year fixed7.016% APR7.016%—Standard
Featured Rates & Terms (FHA 203K 30 Year Fixed)30 year fixed7.176% APR7.176%—Standard
FHA 30-Year Fixed30 year fixed7.176% APR6.375%—Standard
15-Year Fixed15 year fixed5.875% APR5.875%—Standard
15-Year Fixed15 year fixed6.123% APR6.123%—Standard
VA 15-Year Fixed15 year fixed6.500% APR6.500%—Standard
FHA 15-Year Fixed15 year fixed6.500% APR6.500%—Standard
7/1 ARM7 1 arm5.875% APR5.875%—Standard
10/1 ARM10 1 arm6.375% APR6.375%—Standard
7/1 ARM7 1 arm6.483% APR6.483%—Standard
15/1 Adjustablearm6.500% APR6.500%—Standard
Adjustable Rate Mortgages * (15/1 Adjustable)arm6.711% APR6.711%—Standard
10/1 ARM10 1 arm6.712% APR6.712%—Standard
30 Year Jumboother7.000% APR7.000%—Standard

Auto & vehicle rates

29 offers
Jovia Financial Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
12-Month Auto Loan (2023–2025)auto_any_12mo5.280% APR5.280%12 moStandard
12-Month Auto Loan (2023–2026)auto_any_12mo5.280% APR5.280%12 moStandard
24-Month Auto Loan (2023–2025)auto_any_24mo5.280% APR5.280%24 moStandard
24-Month Auto Loan (2023–2026)auto_any_24mo5.280% APR5.280%24 moStandard
36-Month Auto Loan (2023–2025)auto_any_36mo5.280% APR5.280%36 moStandard
36-Month Auto Loan (2023–2026)auto_any_36mo5.280% APR5.280%36 moStandard
48-Month Auto Loan (2023–2025)auto_any_48mo5.280% APR5.280%48 moStandard
48-Month Auto Loan (2023–2026)auto_any_48mo5.280% APR5.280%48 moStandard
60-Month Auto Loan (2023–2025)auto_any_60mo5.280% APR5.280%60 moStandard
60-Month Auto Loan (2023–2026)auto_any_60mo5.280% APR5.280%60 moStandard
60-Month Auto Loan (2020–2022)auto_any_60mo5.350% APR5.350%60 moStandard
48-Month Auto Loan (2020–2022)auto_any_48mo5.350% APR5.350%48 moStandard
36-Month Auto Loan (2020–2022)auto_any_36mo5.350% APR5.350%36 moStandard
24-Month Auto Loan (2020–2022)auto_any_24mo5.350% APR5.350%24 moStandard
12-Month Auto Loan (2020–2022)auto_any_12mo5.350% APR5.350%12 moStandard
12-Month Auto Loan (2014–2019)auto_any_12mo5.580% APR5.580%12 moStandard
24-Month Auto Loan (2014–2019)auto_any_24mo5.580% APR5.580%24 moStandard
36-Month Auto Loan (2014–2019)auto_any_36mo5.580% APR5.580%36 moStandard
48-Month Auto Loan (2014–2019)auto_any_48mo5.580% APR5.580%48 moStandard
60-Month Auto Loan (2014–2019)auto_any_60mo5.580% APR5.580%60 moStandard
72-Month Auto Loan (2020–2022)auto_any_72mo5.600% APR5.600%72 moStandard
72-Month Auto Loan (2023–2026)auto_any_72mo5.620% APR5.620%72 moStandard
72-Month Auto Loan (2023–2025)auto_any_72mo5.620% APR5.620%72 moStandard
72-Month Auto Loan (2014–2019)auto_any_72mo5.830% APR5.830%72 moStandard
84-Month Auto Loan (2023–2025)auto_any_84mo6.070% APR6.070%84 moStandard
84-Month Auto Loan (2023–2026)auto_any_84mo6.070% APR6.070%84 moStandard
84-Month Auto Loan (2020–2022)auto_any_84mo6.100% APR6.100%84 moStandard
96-Month Auto Loan (2023–2026)auto_any_96mo7.070% APR7.070%96 moStandard
96-Month Auto Loan (2023–2025)auto_any_96mo7.070% APR7.070%96 moStandard

HELOC rates

2 offers
Jovia Financial Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC Comparison Chart Compare HELOC Products (As low as 5.24% for the first 12 months ‡)heloc_variable5.240% APR5.240%—Introductory offer
Home Equity Loan (Fixed)heloc_fixed7.250% APR7.250%—Standard

Personal loan rates

10 offers
Jovia Financial Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Personal Line of Creditploc_variable5.240% APR5.240%—Standard
12-Month Unsecured Personal Loanpersonal_unsecured_12mo7.990% APR7.990%12 moStandard
24-Month Unsecured Personal Loanpersonal_unsecured_24mo8.240% APR8.240%24 moStandard
High LTV Line of Credit ±ploc_variable8.250% APR8.250%—Standard
36-Month Unsecured Personal Loanpersonal_unsecured_36mo8.490% APR8.490%36 moStandard
HOME IMPROVEMENT LOAN RATES (0-60 Months)personal_unsecured_60mo8.990% APR8.990%60 moStandard
48-Month Unsecured Personal Loanpersonal_unsecured_48mo9.240% APR9.240%48 moStandard
HOME IMPROVEMENT LOAN RATES (61-120 Months)personal_unsecured_120mo9.490% APR9.490%120 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo9.990% APR9.990%60 moStandard
HOME IMPROVEMENT LOAN RATES (121-180 Months)personal_unsecured_180mo9.990% APR9.990%180 moStandard

Savings & CD rates

36 offers
Jovia Financial Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Go Green Checking 1 (Balances ≥ $25,000.01)savings0.10% APY0.10%—Standard
Savingsshare_savings0.10% APY0.10%—Standard
Money Market 4 ($2,500 to $24,999)money_market0.20% APY0.20%—Standard
Money Market 4 ($25,000 to $49,999)money_market0.30% APY0.30%—Standard
Money Market 4 ($50,000 to $99,999)money_market0.40% APY0.40%—Standard
Money Market 4 ($100,000 to $249,999)money_market0.55% APY0.55%—Standard
Money Market 4 ($250,000 to $999,999)money_market0.75% APY0.75%—Standard
Individual Retirement Accounts 7 (1-Year)ira1.00% APY1.00%12 moStandard
Individual Retirement Accounts 7 (3-Month)ira1.00% APY1.00%3 moStandard
Money Market 4 (Over $1,000,000)money_market1.00% APY1.00%—Standard
Individual Retirement Accounts 7 (6-Month)ira1.00% APY1.00%6 moStandard
Certificates 6 (1-Year)cd_12mo1.00% APY1.00%12 moStandard
Certificates 6 (3-Month)cd_3mo1.00% APY1.00%3 moStandard
6-Month Certificatecd_6mo1.00% APY1.00%6 moStandard
Youth Savings (Youth Savings Account•)savings1.01% APY1.01%—Eligibility restricted
Certificates 6 (3-Year)cd_36mo1.25% APY1.25%36 moStandard
Individual Retirement Accounts 7 (2-Year)ira1.25% APY1.25%24 moStandard
Individual Retirement Accounts 7 (3-Year)ira1.25% APY1.25%36 moStandard
Certificates 6 (2-Year)cd_24mo1.25% APY1.25%24 moStandard
Certificates 6 (4-Year)cd_48mo2.00% APY2.00%48 moStandard
Individual Retirement Accounts 7 (4-Year)ira2.00% APY2.00%48 moStandard
Individual Retirement Accounts 7 (5-Year)ira2.25% APY2.25%60 moStandard
Certificates 6 (5-Year)cd_60mo2.25% APY2.25%60 moStandard
Premier Money Market 5 ($50,000 to $99,999)money_market2.25% APY2.25%—Standard
Premier Money Market 5 ($100,000 to $249,999)money_market2.50% APY2.50%—Standard
Premier Money Market 5 ($250,000 to $999,999)money_market2.75% APY2.75%—Standard
Online Savings*savings3.15% APY3.15%—Standard
Premier Money Market 5 (Over $1,000,000)money_market3.40% APY3.40%—Standard
Certificates 6 (40-Month)cd_40mo3.75% APY3.75%40 moStandard
Individual Retirement Accounts 7 (40-Month)ira3.75% APY3.75%40 moStandard
Individual Retirement Accounts 7 (8-Month)ira4.00% APY4.00%8 moStandard
Individual Retirement Accounts 7 (18-Month)ira4.00% APY4.00%18 moStandard
Individual Retirement Accounts 7 (25-Month**)ira4.00% APY4.00%25 moStandard
Certificates 6 (8-Month)cd_8mo4.00% APY4.00%8 moStandard
Balances ≤ $25,000.00savings4.89% APY4.89%—Standard
Go Green Checking 1 (Balances ≤ $25,000.00)savings5.00% APY5.00%—Standard

Other rates

5 offers
Jovia Financial Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Interest rate stays the same Payments will not change Lower down paymentother3.500% %3.500%—Standard
As low as 5.24% for the first 12 months ‡other5.240% %5.240%—Introductory offer
Featured Rates & Terms (7/1 Adjustable)other6.483% %6.483%—Standard
As low as 8.99% APR *other7.990% %7.990%—Standard
As low as 7.99% APR *other10.740% %10.740%—Standard

As of August 4, 2026, Jovia Financial Credit Union offers a 30-year fixed mortgage at 6.375% APR. Auto loans available from 5.28% APR for 12 months. HELOC rates from 7.25% APR. Personal loan rates from 5.24% APR. Savings and certificate yields up to 5.00% APY.

Source: RateAPI.dev, verified from Jovia Financial Credit Union's official website

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About Jovia Financial Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
232.9K
Assets
$4.5B
Founded
1938
Locations reported
20
NCUA charter
2760
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

FourleafWestbury · Westbury · NY · 11590-4504Branch in the same ZIPLufthansa Emp.Headquarters / Main Branch · WESTBURY · NY · 11590Branch in the same ZIPPeople's AllianceWestbury · Westbury · NY · 11590-6611Branch in the same ZIPNassau FinancialEast Meadow · East Meadow · NY · 11554-2156About 2.6 miles awayTeachersEast Meadow · East Meadow · NY · 11554About 2.6 miles awayIslandHicksville · Hicksville · NY · 11801-4243About 2.7 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Jovia Financial Credit Union

Membership eligibility from Jovia Financial Credit Union's own published criteria. How we verify this.

Membership criteria are published on Jovia Financial Credit Union's website. Check the membership page below to confirm whether you qualify.

  • LocationNassau, Suffolk — NY

Verified from Jovia Financial Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Jovia Financial Credit Union offer?

Jovia Financial Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Jovia Financial Credit Union rates updated?

RateAPI verifies Jovia Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Jovia Financial Credit Union's rate data?

Rate data is collected directly from Jovia Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Jovia Financial Credit Union's mortgage rate?

As of August 4, 2026, Jovia Financial Credit Union offers a 30-year fixed mortgage at 6.375% APR.

What are Jovia Financial Credit Union's auto loan rates?

As of August 4, 2026, Jovia Financial Credit Union offers auto loans from 5.28% APR.

What is Jovia Financial Credit Union's HELOC rate?

As of August 4, 2026, Jovia Financial Credit Union offers home equity lines of credit from 7.25% APR.

What is Jovia Financial Credit Union's personal loan rate?

As of August 4, 2026, Jovia Financial Credit Union offers personal loans from 5.24% APR.

What is Jovia Financial Credit Union's best CD rate?

As of August 4, 2026, Jovia Financial Credit Union offers savings and certificate (CD) yields up to 5.00% APY.

Related Rate Data

Compare Jovia Financial Credit Union's rates against national credit-union benchmarks.

More New York credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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# Get rates for Jovia Financial Credit Union
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  -H "Authorization: Bearer YOUR_API_KEY"
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