Centris Federal Credit Union : Rates : Rates All

Savings and Checking Account Rates

	Tier	Dividend Rate	APY
Regular Savings, Rafferty, & CU Succeed	$999.99 & below	0.30%	0.30%
	$1000.00 & above	0.30%	0.30%
Market Rate Savings	$.01 - $1,999.99	0.30%	0.30%
	$2,000.00 - $9,999.99	0.45%	0.45%
	$10,000.00 - $24,999.99	0.55%	0.55%
	$25,000.00 - $49,999.99	0.65%	0.65%
	$50,000.00 & above	0.75%	0.75%
Investors Plus Money Market*	$74,999.99 & below	0.80%	0.80%
	$75,000.00 & above	0.95%	0.95%
Club	No minimum balance	1.00%	1.01%
IRA Savings	$9,999.99 & below	1.00%	1.01%
	$10,000 & above	1.19%	1.20%
Checking Plus**, CU Succeed Checking	$1,000.00 - $4,999.99	0.30%	0.30%
	$5,000.00 - $9,999.99	0.45%	0.45%
	$10,000.00 & Above	0.55%	0.55%
Direct Checking	N/A	0.20%	0.20%
eChecking	N/A	1.00%	1.01%
Free Checking	Non Dividend Bearing Account

Rates as of July 24, 2009 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**
Term	Dividend Rate	APY	Dividend Rate	APY
3 Months	1.04%	1.05%	1.14%	1.15%
6 Month	1.34%	1.35%	1.44%	1.45%
7 Month	1.39%	1.40%	1.49%	1.50%
9 Month	1.64%	1.65%	1.74%	1.76%
12 Month	1.73%	1.75%	1.83%	1.85%
13 Month	1.73%	1.75%	1.83%	1.85%
18 Month	1.93%	1.95%	2.03%	2.05%
24 Month	2.32%	2.35%	2.42%	2.45%
36 Month	2.96%	3.00%	3.06%	3.11%
48 Month	2.62%	2.65%	2.72%	2.76%
60 Month	2.81%	2.85%	2.91%	2.95%

Rates as of November 6, 2009 and are subject to change. (APY=Annual Percentage Yield)

*	Minimum Balance $500
**	Minimum Balance $90,000

Special Certificates

Term	Dividend Rate	APY
Add-On Certificates($100 Minimum Balance)
3 Month	.55%	.55%
6 Month	.85%	.85%
9 Month	1.14%	1.15%
12 Month	1.24%	1.25%
IRA Step-Up
36 Month
$500 - $89,999.99	2.96%	3.00%
$90,0000 & Above	3.06%	3.11%

Rates as of November 6, 2009 and are subject to change. (APY=Annual Percentage Yield)

Loan Rates

	Approx. Term	Fixed APR
Auto Secured 2006-current**	24 Mos.*	5.00% - 15.75%
	36 Mos.*	5.25% - 16.00%
	48 Mos.*	5.50% - 16.25%
	60 Mos.*	5.75% - 16.50%
	61 mos. & Over *	6.00% - 13.25%
Auto Secured 2003-2005***	24 Mos.*	5.50% - 16.75%
	36 Mos.*	5.75% - 16.75%
	48 Mos.*	6.00% - 16.75%
	60 Mos.*	6.25% - 16.75%
Other Secured	24 Mos.*	7.00% - 17.75%
	36 Mos.*	7.25% - 17.75%
	48 Mos.*	7.50% - 17.75%
	60 Mos.*	7.75% - 17.75%
	61 mos. & Over *	8.00% - 15.75%
Share or Certificate Secured	36 Mos.*	5.00% - 9.25%
	48 Mos.*	5.25% - 9.50%
	60 Mos.*	5.75% - 10.00%
	61 mos. & Over *	6.00% -10.25%
Personal	1 - 72 Mos *	8.75% - 17.75%
Line of Credit		15.00%

Your Annual Percentage Rate may vary depending on your credit worthiness.
The listed rates are effective on October 1, 2009
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. New Money Only.
**	New or used vehicles that are a 2006 or newer model year.
***	Used vehicles that are a 2003 - 2005 model year.

Home Equity Loan Rates

	Approx. Term	Variable APR	Fixed APR
Home Equity Fixed Rates
0-80% Financing	1-72 months		6.24%*
	73-120 months		6.74%*
	121-180 Months		7.24%*
81-90% Financing	1-72 months		7.74%*
	73-120 months		8.24%*
	121- 180 months		8.74%*
91-100% Financing	1-72 months		9.24%*
	73-120 months		10.24%*
Home Equity Line of Credit
Introductory Rate	6 Months	3.99%
LTV 0 - 70%		4.75%
LTV 71 - 80%		5.25%
LTV 81 - 90%		5.50%
LTV 91 - 100%		6.00%

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.

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