Interest Rates

Deposits: The following are the current interest rates available April 23, 2025

	APY¹	Interest Rate	Minimum To Open	Minimum to Earn APY¹
Certificates of Deposit²
90 - 181 Day CD or IRA	3.24	3.20	$1,000	$1,000
SPECIAL 5 Month CD or IRA	3.34	3.30	$1,000	$1,000
6 - 11 Month CD or IRA	3.34	3.30	$1,000	$1,000
12 - 17 Month CD or IRA	3.70	3.65	$1,000	$1,000
SPECIAL 14 Month CD or IRA	3.70	3.65	$1,000	$1,000
18 - 23 Month CD or IRA	3.49	3.45	$1,000	$1,000
SPECIAL 20 Month CD or IRA	3.49	3.45	$1,000	$1,000
SPECIAL 28 Month CD or IRA	3.44	3.40	$1,000	$1,000
24 - 29 Month CD or IRA	3.44	3.40	$1,000	$1,000
30 - 35 Month CD or IRA	3.14	3.10	$1,000	$1,000
36 - 47 Month CD or IRA	2.88	2.85	$1,000	$1,000
SPECIAL 54 Month CD or IRA	2.68	2.65	$1,000	$1,000
48 - 59 Month CD or IRA	2.68	2.65	$1,000	$1,000
60 Month CD or IRA	2.02	2.00	$1,000	$1,000
84 Month CD or IRA	1.76	1.75	$1,000	$1,000
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Growth Certificate of Deposit³
$100 - $999.99	0.10	0.10	$100	$100
$1,000 - $9,999.99	0.15	0.15	$100	$1,000
$10,000 and greater	0.25	0.25	$100	$10,000
IRA⁴
IRA Builder 12-Month Variable Rate CD	0.20	0.20	$100	$100
Education IRA (Coverdell)	0.20	0.20	$100	$100
Indexed Money Market⁴
$1,000 - $14,999	0.50	0.50	$1,000	$1,000
$15,000 - $24,999	0.50	0.50	$1,000	$15,000
$25,000 - $49,999	1.21	1.20	$1,000	$25,000
$50,000 - $99,999	1.21	1.20	$1,000	$50,000
$100,000 - $249,999	1.21	1.20	$1,000	$100,000
$250,000 - $499,999	1.21	1.20	$1,000	$250,000
$500,000 - $999,999	1.21	1.20	$1,000	$500,000
$1,000,000 and greater	1.21	1.20	$1,000	$1,000,000
Money Market Deposit Account⁴
	0.50	0.50	$1,000	$1,000
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Statement Savings⁴
	0.05	0.05	$100	$100
Health Savings Account⁴
	0.15	0.15		$100
Holiday Club⁴
	0.05	0.05	$1	$100
Non-Personal Interest Checking⁴
	0.05	0.05	$1,000	$1,000
idLOCK Plus Checking⁴
$25,000 and greater	0.05	0.05	$50	$25,000

APY = Annual Percentage Yield.
Annual Percentage Yield reflects interest compounded quarterly with add-back interest option on all Certificates of deposit, except the Growth CD. Assumes interest remains on deposit until maturity. Substantial penalty for early withdrawal.
This is a variable rate account and has a term of one year. The minimum to open and earn the APY is $100.00 Substantial penalty for early withdrawal. Assumes interest will remain on deposit until maturity
This is a variable rate account. The rate may change after the account is opened. Fees may reduce earnings.

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Consumer Loan Rates

Jump to Vehicle Rates

Jump to Home Equity Rates

Jump to Mortgage Rates

The following interest rates are effective 4/07/2025. Rates are subject to change daily. For today's rates, please contact Customer Service at 1-855-582-5101 or your favorite JVB office.

*Unsecured Installment Loan¹

Unsecured Installment Loan¹	Minimum Loan Amount	APR²	Interest Rate	Monthly Payment per $1000 for 30 Months	Apply
6 – 30 months	$2,500.00	10.90% to 15.90%	10.90% to 15.90%	$38.23	APPLY NOW

APR² Applies to a minimum FICO credit score of 700.
Annual Percentage Rate, accurate as of publication date
APR and estimated monthly payments calculated using minimum loan amount.
Loan rates, terms, and fees subject to credit approval.

*Automobile and Other Titled Vehicle Loans

Automobile Loans	Minimum Loan Amount	APR²	Interest Rate	Monthly Payment per $1000	Apply
36 Months	$2,500.00	5.99% to 6.99%	5.99% to 6.99%	$30.42	APPLY NOW
48 Months	$5,000.00	5.99% to 6.99%	5.99% to 6.99%	$23.48	APPLY NOW
60 Months	$10,000.00	6.99% to 7.99%	6.99% to 7.99%	$19.80	APPLY NOW
72 Months	$15,000.00	7.99% to 8.99%	7.99% to 8.99%	$17.53	APPLY NOW

APR² Applies to a loan with a maximum loan-to-value (LTV) of 100% and a minimum FICO credit score of 700.
Annual Percentage Rate (APR), accurate as of publication date
Restrictions on model year and mileage may apply.
Loan rates, terms, and fees subject to credit approval. Additional rates and terms may be available. For further details, please call your local JVB Community Office or our Customer Care department at 855-582-5101.

*Home Equity Loans and Home Equity Lines of Credit

The following rates are effective 4/07/2025. Rates are subject to change daily. For today's rates, please contact Customer Service at 1-855-582-5101 or your favorite JVB office.

Home Equity Installment Loans¹

APR²

Interest Rate

Monthly Payment per $1,000⁶

Estimated Closing Costs

Apply

6-60 Months

5.74% to 7.74%

$19.21

$130

APPLY NOW

61-120 Months

6.24% to 8.24%

$11.22

$130

APPLY NOW

121-144 Months

6.75% to 8.75%

$10.15

$130

APPLY NOW

145-180 Months

6.85% to 8.85%

$8.90

$130

	APPLY NOW

Minimum Loan Amount of $10,000.
Annual Percentage Rate (APR), accurate as of publication date
APR and Estimated monthly payments based on loan amount of $25,000, no odd day's interest. Credit scores, lien position, and Loan-to-Value may also affect APR.
No Home Purchase Transactions
Loan rates, terms, and fees subject to credit approval
Monthly payments per $1,000 as published are based on the longest term in each term category (i.e. 60, 120, 144, and 180 months.)

Home Equity Line of Credit¹

Home Equity Line of Credit¹	APR²	Interest Rate	Monthly Payment Per $1,000	Estimated Closing Costs	Apply
Premier⁸	7.50%	7.50%	$16.25	$130	APPLY NOW

Minimum loan amount = $10,000
Annual Percentage Rate (APR), accurate as of publication date
APR and estimated monthly payments calculated using minimum loan amount.
Loan rates, terms, and fees subject to credit approval.
APR is a variable rate and may increase during the term of the agreement
No annual Fee
Minimum Line of Credit advance=$100.
Contact JVB Customer Care at 855-582-5101 or your local JVB office for further details.

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*Fixed Rate Mortgages

The following rates are available 4/07/2025. Rates are subject to change daily. Additional rates and terms may apply. For today's rates, please contact Customer Service at 1-855-582-5101 or your favorite JVB office.

30 Year Fixed

Points	APR²	Interest Rate	Monthly Payment Per $1,000	Estimated Closing Costs	Apply
0.000	6.53%	6.49%	$6.31	$6,005	GET STARTED

20 Year Fixed

Points	APR²	Interest Rate	Monthly Payment Per $1,000	Estimated Closing Costs	Apply
0.000	6.34%	6.29%	$7.33	$5,990	GET STARTED

15 Year Fixed

Points	APR²	Interest Rate	Monthly Payment Per $1,000	Estimated Closing Costs	Apply
0.000	5.93%	5.89%	$8.38	$5,960	GET STARTED

Minimum loan amount = $30,000. Loan amounts less than $100,000 may be subject to a higher APR.
Annual Percentage Rate, accurate as of publication date
APR, estimated monthly payments, and estimated closing costs calculated assuming a purchase mortgage loan amount of $175,000, 15 days of odd-days interest, a FICO score of at least 730, and 80% Loan-to-Value.
Loan rates, terms, and fees subject to credit approval. Additional rates and terms may be available.

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Interest Rates

Certificates of Deposit²

Growth Certificate of Deposit³

IRA⁴

Indexed Money Market⁴

Money Market Deposit Account⁴

Statement Savings⁴

Health Savings Account⁴

Holiday Club⁴

Non-Personal Interest Checking⁴

idLOCK Plus Checking⁴