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Rates All

Savings and Checking Account Rates

  TierDividend RateAPY
Regular Savings, Rafferty, & CU Succeed$999.99 & below0.55%0.55%
 $1000.00 & above0.55%0.55%
Market Rate Savings$.01 - $1,999.990.55%0.55%
 $2,000.00 - $9,999.991.04%1.05%
 $10,000.00 - $24,999.991.14%1.15%
 $25,000.00 - $49,999.991.39%1.40%
 $50,000.00 & above1.49%1.50%
Investors Plus Money Market*$74,999.99 & below1.49%1.50%
 $75,000.00 & above1.73%1.75%
ClubNo minimum balance1.49%1.50%
IRA Savings$9,999.99 & below1.00%1.01%
 $10,000 & above1.19%1.20%
Checking Plus**, CU Succeed Checking$1,000.00 - $4,999.990.50%0.50%
 $5,000.00 - $9,999.990.75%0.75%
 $10,000.00 & Above1.00%1.01%
Direct CheckingN/A0.25%0.25%
eCheckingN/A1.73%1.75%
Free CheckingNon Dividend Bearing Account  
Rates as of May 23, 2008 and are subject to change. (APY=Annual Percentage Yield)
*Minimum Deposit of $25,000.00 to open this account. $25,000.00 Minimum Balance to avoid a Service Fee.
**Minimum Deposit of $100.00 to open this account. $250.00 Minimum Balance to avoid a Service Fee.
***Minimum Deposit of $100.00 to open this account.


Regular and IRA Certificate Rates

  Certificate*Jumbo Certificate**
TermDividend RateAPYDividend RateAPY
3 Months2.13%2.15%2.23%2.25%
6 Month2.47%2.50%2.57%2.60%
7 Month2.47%2.50%2.57%2.60%
9 Month2.47%2.50%2.57%2.60%
12 Month2.23%2.25%2.33%2.36%
13 Month2.23%2.25%2.33%2.36%
18 Month3.20%3.25%3.30%3.35%
24 Month2.42%2.45%2.52%2.55%
36 Month2.47%2.50%2.57%2.60%
48 Month2.57%2.60%2.67%2.71%
60 Month2.71%2.75%2.81%2.85%
Rates as of November 7, 2008 and are subject to change. (APY=Annual Percentage Yield)
*Minimum Balance $500
**Minimum Balance $90,000


Special Certificates

TermDividend RateAPY
Add-On Certificates ($100 Minimum Balance)    
3 Month1.64%1.65%
6 Month1.98%2.00%
9 Month1.98%2.00%
12 Month1.73%1.75%
Rates as of October 10, 2008 and are subject to change. (APY=Annual Percentage Yield)

Loan Rates

 Approx. TermVariable APRFixed APR
Auto Secured 2005-current**24 Mos.* 5.00% - 16.00%
 36 Mos.* 5.25% - 16.25%
 48 Mos.* 5.50% - 16.50%
 60 Mos.* 5.75% - 16.75%
 61 mos. & Over * 6.00% - 13.50%
Auto Secured 2002-2004***24 Mos.* 5.50% - 17.00%
 36 Mos.* 5.75% - 17.00%
 48 Mos.* 6.00% - 17.00%
 60 Mos.* 6.25% - 17.00%
Other Secured24 Mos.* 6.50% - 17.50%
 36 Mos.* 6.75% - 17.50%
 48 Mos.* 7.00% - 17.50%
 60 Mos.* 7.25% - 17.50%
 61 mos. & Over * 7.50% - 15.50%
Share or Certificate Secured36 Mos.* 5.00% - 9.00%
 48 Mos.* 5.00% - 9.25%
 60 Mos.* 5.25% - 9.75%
 61 mos. & Over * 5.50% -10.00%
Personal1 - 72 Mos * 8.25% - 17.50%
Line of Credit  15.00%
Your Annual Percentage Rate may vary depending on your credit worthiness.
The listed rates are effective on October 1, 2008
For today's current rates, call any Centris Federal office.
Quoted rates reflect Annual Percentage Rate (APR).
*To qualify for this rate you must have an automatic payment from a Centris checking account and direct deposit into that Centris checking account. New Money Only.
**New or used vehicles that are a 2005 or newer model year.
***Used vehicles that are a 2002 - 2004 model year.


Home Equity Loan Rates

 Approx. TermVariable APRFixed APR
Home Equity Fixed Rates   
0-80% Financing1-72 months 5.99%*
 73-120 months 6.49%*
 121-180 Months 6.99%*
81-90% Financing1-72 months 7.49%*
 73-120 months 7.99%*
 121- 180 months 8.49%*
91-100% Financing1-72 months 8.99%*
 73-120 months 9.99%*
Home Equity Line of Credit   
Introductory Rate6 Months3.99% 
LTV 0 - 70% 4.75% 
LTV 71 - 80% 5.25% 
LTV 81 - 90% 6.00% 
LTV 91 - 100% 7.00% 
New Rates effective July 1, 2008.
For today's current rates, call any Centris office.
*To qualify for this rate you must have an automatic payment from a Centris checking account and direct deposit into that Centris checking account.


Mortgage Loan Rates

Call for quotes.
Contact one of our Mortgage Officers for more information.
Phone (402) 334-7000 x 6160 Fax (402) 758-6075