Loans

Auto – New

Loan must be secured by a 2013 or newer Auto and under 90,000 miles

Approx. Term APR Payment Example
12 - 23 months as low as 3.49%* 23 monthly payments of $45.01 for $1,000 borrowed at 3.49% APR
24 - 35 months as low as 3.49%* 35 monthly payments of $30.09 for $1,000 borrowed at 3.49% APR
36 - 63 months as low as 3.49%* 63 monthly payments of $17.39 for $1,000 borrowed at 3.49% APR
64 - 75 months as low as 3.99%* 75 monthly payments of $15.09 for $1,000 borrowed at 3.99% APR
76 - 84 months as low as 4.99%* 84 monthly payments of $14.13 for $1,000 borrowed at 4.99% APR

Annual Percentage Rate (APR) is accurate as of January 1st, 2017. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval.


Auto – Used

Loan must be secured by a 2010-2012 Auto and under 120,000 miles OR 2013 or newer Auto with over 90,000 - 120,000 miles, or Special Interest Autos

Approx. Term APR Payment Example
12 - 23 months as low as 4.99%* 23 monthly payments of $45.68 for $1,000 borrowed at 4.99% APR
24 - 35 months as low as 4.99%* 35 monthly payments of $30.76 for $1,000 borrowed at 4.99% APR
36 - 63 months as low as 4.99%* 63 monthly payments of $18.08 for $1,000 borrowed at 4.99% APR
64 - 75 months as low as 5.49%* 75 monthly payments of $15.78 for $1,000 borrowed at 5.49% APR


Loan must be secured by a 2007-2009 Auto regardless of mileage OR any newer Auto with over 120,000 miles

Approx. Term APR Payment Example
12 - 23 months as low as 5.24%* 23 monthly payments of $45.79 for $1,000 borrowed at 5.24% APR
24 - 35 months as low as 5.24%* 35 monthly payments of $30.87 for $1,000 borrowed at 5.24% APR
36 - 63 months as low as 5.24%* 63 monthly payments of $18.19 for $1,000 borrowed at 5.24% APR
64 - 75 months as low as 5.74%* 75 monthly payments of $15.90 for $1,000 borrowed at 5.74% APR

Annual Percentage Rate (APR) is accurate as of January 1, 2017. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval.


Boats & Jet Skis

Approx. Term APR Payment Example
12 months as low as 5.24%* 12 monthly payments of $85.72 for $1,000 borrowed at 5.24% APR
24 - 180 months ($1,000 min.) as low as 5.99%* 180 monthly payments of $8.43 for $1,000 borrowed at 5.99% APR

Annual Percentage Rate (APR) is accurate as of June 13, 2016. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. * To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval.


Motorcycles & ATVs

Approx. Term APR Payment Example
12 months as low as 3.74%* 12 monthly payments of $85.03 for $1,000 borrowed at 3.74% APR
24 - 60 months ($1,000 min.) as low as 3.74%* 60 monthly payments of $18.30 for $1,000 borrowed at 3.74% APR
61 - 72 months as low as 4.49%* 72 monthly payments of $15.87 for $1,000 borrowed at 4.49% APR
73 - 84 months (Motorcycle only) as low as 5.24%* 84 monthly payments of $14.25 for $1,000 borrowed at 5.24% APR

Annual Percentage Rate (APR) is accurate as of June 13, 2016. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval.


Campers, Travel Trailers, 5th Wheels, Motor Homes

Loan must be secured by a 2012 or newer camper, travel trailer, 5th wheel, or motorhome

Financed Amount Approx. Term APR Payment Example
$50,001+ up to 180 months as low as 4.74%* 180 monthly payments of $7.77 for $1,000 borrowed at 4.74% APR
$25,001 to $50,000 up to 144 months as low as 4.99%* 144 monthly payments of $9.24 for $1,000 borrowed at 4.99% APR
$1,000 to $25,000 24 - 72 months as low as 5.99%* 72 monthly payments of $16.57 for $1,000 borrowed at 5.99% APR
$500 to $999.99 12 to 23 months as low as 5.49%** 23 monthly payments of $45.91 for $1,000 borrowed at 5.49% APR

Annual Percentage Rate (APR) is accurate as of June 13, 2016. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval. **To qualify for this rate you must have an automatic payment from a Centris checking account.  All loans subject to approval.

Loan must be secured by a 2009 to 2011 camper, travel trailer, 5th wheel, or motorhome

Financed Amount Approx. Term APR Payment Example
$50,001+ up to 180 months as low as 4.99%* 180 monthly payments of $7.90 for $1,000 borrowed at 4.99% APR
$25,001 to $50,000 up to 144 months as low as 5.24%* 144 monthly payments of $9.37 for $1,000 borrowed at 5.24% APR
$1,000 to $25,000 24 to 72 months as low as 6.24%* 72 monthly payments of $16.69 for $1,000 borrowed at 6.24% APR
$500 to $999.99 12 to 23 months 5.74%** 23 monthly payments of $46.02 for $1,000 borrowed at 5.74% APR

Annual Percentage Rate (APR) is accurate as of June 13, 2016. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval. **To qualify for this rate you must have an automatic payment from a Centris checking account.  All loans subject to approval.

Loan must be secured by a 2008 or older camper, travel trailer, 5th wheel, or motorhome

Financed Amount Approx. Term APR Payment Example
$50,001+ up to 180 months as low as 5.49%* 180 monthly payments of $8.17 for $1,000 borrowed at 4.99% APR
$25,001 to $50,000 up to 144 months as low as 5.74%* 144 monthly payments of $9.62 for $1,000 borrowed at 5.74% APR
$1,000 to $25,000 24 to 72 months as low as 6.74%* 72 monthly payments of $16.92 for $1,000 borrowed at 6.74% APR
$500 to $999.99 12 to 23 months as low as 6.24%** 23 monthly payments of $46.24 for $1,000 borrowed at 6.24% APR

Annual Percentage Rate (APR) is accurate as of June 13, 2016. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval. **To qualify for this rate you must have an automatic payment from a Centris checking account.  All loans subject to approval.


Personal Loans (Secured)

Share or Certificate Secured

Approx. Term APR Payment Example
12 - 60 months as low as 3.25%* 60 monthly payments of $18.08 for $1,000 borrowed at 3.25% APR
61 - 72 months as low as 3.50%* 72 monthly payments of $15.42 for $1,000 borrowed at 3.50% APR

Annual Percentage Rate (APR) is accurate as of June 13, 2016. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval.


Personal Loans (Unsecured)

Approx. Term APR Payment Example
12 - 24 months as low as 7.99% 24 monthly payments of $45.22 for $1,000 borrowed at 7.99% APR
25 - 48 months as low as 8.24% 48 monthly payments of $24.53 for $1,000 borrowed at 8.24% APR
49 - 60 months as low as 8.49% 60 monthly payments of $102.58 for $5,001 borrowed at 8.49% APR
61 - 72 months as low as 8.99% 72 monthly payments of $180.22 for $10,001 borrowed at 8.99% APR

Annual Percentage Rate (APR) is accurate as of January 01, 2017. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. To qualify for this rate you must have an automatic payment from a Centris checking account. All loans subject to approval.


Personal Lines of Credit

Line of Credit – Call (402) 758-6500 for current rates and conditions. All loans subject to approval.


Home Equity Loans

91-100% Financing

Term Fixed APR Payment Example
2 - 72 months as low as 7.24%* 72 monthly payments of $17.16 for $1,000 borrowed at 7.24% APR
73 - 120 months as low as 8.24%* 120 monthly payments of $12.26 for $1,000 borrowed at 8.2% APR

81-90% Financing

Term Fixed APR Payment Example
2 - 72 months as low as 4.99%* 72 monthly payments of $16.10 for $1,000 borrowed at 4.99% APR
73 - 120 months as low as 5.99%* 120 monthly payments of $11.10 for $1,000 borrowed at 5.99% APR
121 - 180 months as low as 6.49%* 180 monthly payments of $8.71 for $1,000 borrowed at 6.49% APR

0-80% Financing

Term Fixed APR Payment Example
2 - 72 months as low as 3.99%* 72 monthly payments of $15.64 for $1,000 borrowed at 3.99% APR
73 - 120 months as low as 4.99%* 120 monthly payments of $10.60 for $1,000 borrowed at 4.99% APR
121 - 180 months as low as 5.49%* 180 monthly payments of $8.17 for $1,000 borrowed at 5.49% APR


Annual Percentage Rate (APR) is accurate as of January 19th, 2016. Real estate closing costs/fees vary based on loan amount, location and type of loan. *To qualify for this rate you must have an automatic payment from a Centris checking account. Taxes and insurance premiums not included in payment. Actual payment obligation will be greater. All loans subject to approval.

 


Home Equity Line of Credit

Home Equity Line of Credit

6 Month Introductory Rate APR
LTV 0 - 80% Variable* as low as 1.99%
LTV 81 - 90% Variable* as low as 1.99%
LTV 91 - 100% Variable* as low as 4.99%
Regular Variable Rates APR
LTV 0 - 80% Variable* as low as 4.75%
LTV 81 - 90% Variable* as low as 5.50%
LTV 91 - 100% Variable* as low as 6.00%

*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) is accurate as of January 19th, 2016 and my vary quarterly. The APR is based on the Wall Street Journal Prime Rate. The introductory rate will be in effect for 6 months. Thereafter, the APR will be based on the prime rate plus a margin of up to 2.00%. The maximum APR that may apply is 18%. Loan fees and closing costs may vary between $400-$500. Other restrictions may apply. All loans subject to approval.


Savings & Checking

Direct Checking

Tier Dividend Rate APY Minimum balance to earn stated APY
Any balance 0.05% 0.05% $100.00

Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings.


Regular Savings, Rafferty & CU Succeed

Tier Dividend Rate APY Minimum balance to earn stated APY
$999.99 & Below 0.10% 0.10% $50.00
$1000.00 & Above 0.10% 0.10% $1,000.00

Annual Percentage Yield (APY) is accurate as of January 4th, 2016. Rates may change after account opening. Fees may reduce earnings. Minimum Deposit of $5.00 to open this account when opening online.


You-Name-It Club

Tier Dividend Rate APY Minimum balance to earn stated APY
No Minimum Balance 0.15% 0.15% $35.00

Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings. Minimum Deposit of $5.00 to open this account when opening online.


Dollar Save Club

Tier Dividend Rate APY Minimum balance to earn stated APY
0.20% 0.20%

Annual Percentage Yield (APY) is accurate as of January 16, 2015. Rates may change after account opening. Fees may reduce earnings. Minimum deposit of $5.00 to open this account. Inquire at Centris for complete terms & conditions.


Market Rate Savings

Tier Dividend Rate APY Minimum balance to earn stated APY
$.01 - $1,999.99 0.10% 0.10% $50.00
$2,000.00 - $9,999.99 0.15% 0.15% $2,000.00
$10,000.00 - $24,999.99 0.15% 0.15% $10,000.00
$25,000.00 - $49,999.99 0.20% 0.20% $25,000.00
$50,000.00 & Above 0.25% 0.25% $50,000.00

Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings. Minimum Deposit of $5.00 to open this account when opening online.


Investors Plus Money Market

Tier Dividend Rate APY Minimum balance to earn stated APY
$74,999.99 & Below 0.25% 0.25% $20.00
$75,000.00 & Above 0.30% 0.30% $75,000.00

Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings. Minimum Deposit of $25,000.00 to open this account. $25,000.00 Minimum Balance to avoid a Service Fee.


IRA Savings

Tier Dividend Rate APY Minimum balance to earn stated APY
$9,999.99 & Below 0.15% 0.15% $35.00
$10,000.00 & Above 0.20% 0.20% $10,000.00

Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings.


50 Advantage Checking

Tier Dividend Rate APY Minimum balance to earn stated APY
Any balance 0.05% 0.05% $100.00

Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings.


Premier Checking

Tier Dividend Rate APY Minimum balance to earn stated APY
$.01 - $1,499.99 0.10% 0.10% $50.00
$1,500.00 & above 0.15% 0.15% $1,500.00

Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings.


Totally Free Checking

Tier Dividend Rate APY
Non Dividend Bearing Account N/A N/A

Inquire at Centris for complete terms & conditions.


Credit Cards

VISA® Credit Card

Interest Rates and Interest Charges

Annual Percentage Rate (APR)

9.9% – 17.9% – Depending on your credit worthiness

APR for Balance Transfers

9.9% – 17.9% – Depending on your credit worthiness

APR for Cash Advances

15% – 18% – Depending on your credit worthiness

Penalty APR and When It Applies

There is no penalty APR

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, letter checks, and balance transfers on the transaction date.

Minimum Interest Charge

None

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau’s website at www.consumerfinance.gov/learnmore/.



Fees

Annual Fee

None

Transaction Fee
Currency Conversion Fee

Up to 1% on transactions that are converted from foreign currencies to U.S. dollars.

Penalty Fee
Returned Check Fee

up to $25.00

Other Fees
Statement Copy Fee

$3.00 / Copy

In order to qualify for the Centris Federal Credit Union Credit Card you must meet certain qualifications. All loans subject to approval.

The terms of your Account are subject to change as provided in the Agreement.

How We Will Calculate Your Balance: Method of computing the balance for purchases and balance transfers is the average daily balance (including new transactions).

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

This truth in lending disclosure is accurate as of October 1, 2011 and is subject to change after that date. You should contact Centris to determine if any change in pricing has occurred since the application was printed. you may contact Centris at (402) 334-7000 or toll free at (800) 334-2328 or write to: Centris Federal Credit Union, 11825 Q Street, Omaha, NE 68137-3503.

Disclosure provided VISA REV 09/26/12


Centris Rewards VISA® Credit Card

Interest Rates and Interest Charges

Annual Percentage Rate (APR)

12.99% – 17.99% – Depending on your credit worthiness

APR for Balance Transfers

12.99% – 17.99% – Depending on your credit worthiness

APR for Cash Advances

18.00%

Penalty APR and When It Applies

18.00% – This APR may be applied to your account if you do not make payments and your account becomes 60 days delinquent.
How Long will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due; and you do not again default on these conditions during this time.

How to Avoid Paying Interest on Purchases

Your due date is the same calendar day every month and will be shown on your statement. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, letter checks, and balance transfers on the transaction date.

Minimum Interest Charge

None

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau’s website at http://www.consumerfinance.gov/learnmore/.



Fees

Annual Fee

None

Transaction Fee
Lost, Stolen, or Damaged Card Replacement Fee

up to $10.00

Penalty Fee
Returned Convenience Check Fee

up to $35.00

Other Fees
Statement Copy Fee

$3.00 / Copy

In order to qualify for the Centris Federal Credit Union Credit Card you must meet certain qualifications.

The terms of your Account are subject to change as provided in the Agreement. All loans subject to approval.

How We Will Calculate Your Balance: Method of computing the balance for purchases and balance transfers is the average daily balance (including new transactions).

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

This truth in lending disclosure is accurate as of February 1, 2015 and is subject to change after that date. You should contact Centris to determine if any change in pricing has occurred since the application was printed. You may contact Centris at (402) 334-7000 or toll free at (800) 334-2328 or write to: Centris Federal Credit Union, 11825 Q Street, Omaha, NE 68137-3503.

Disclosure provided VISA REV 02/01/15


Certificates

Regular & IRA

Regular & IRA Certificates - minimum opening deposit of $500.00

Term Dividend Rate APY Minimum balance to earn stated APY
6 months 0.60% 0.60% $500.00
9 months 0.70% 0.70% $500.00
12 months 0.80% 0.80% $500.00
18 months 0.95% 0.95% $500.00
24 months 1.04% 1.05% $500.00
36 months 1.19% 1.20% $500.00
48 months 1.34% 1.35% $500.00
60 months 1.54% 1.55% $500.00

Annual Percentage Yield (APY) is accurate as of December 1, 2016. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.


Jumbo

Jumbo Certificates - minimum opening deposit of $90,000.00

Term Dividend Rate APY Minimum balance to earn stated APY
6 months 0.70% 0.70% $90,000.00
9 months 0.80% 0.80% $90,000.00
12 months 0.90% 0.90% $90,000.00
18 months 1.05% 1.06% $90,000.00
24 months 1.14% 1.15% $90,000.00
36 months 1.29% 1.30% $90,000.00
48 months 1.44% 1.45% $90,000.00
60 months 1.64% 1.65% $90,000.00

Annual Percentage Yield (APY) is accurate as of December 1, 2016. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.


Add-On

Add-On Certificates - minimum opening deposit of $100.00

Term Dividend Rate APY Minimum balance to earn stated APY
12 months 0.25% 0.25% $100.00

Annual Percentage Yield (APY) is accurate as of February 5th, 2016. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.


Save to Win

Save to Win Certificate - minimum opening deposit of $25.00

Term Dividend Rate APY Minimum balance to earn stated APY
12 months 0.20% 0.20% $25.00

Annual Percentage Yield (APY) is accurate as of February 5th, 2016. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Official account and prize entry rules and complete list of prizes that are available at www.savetowin.org. Void where prohibited by law. Inquire at Centris for complete terms & conditions.


Step-Up Certificate

Term: 36 Months
Balance Range Dividend Range APY
$500-$89,999.99 1.24% 1.25%
$90,000 & Above 1.34% 1.35%
Term: 48 Months
Balance Range Dividend Range APY
$500-89,999.99 1.49% 1.50%
$90,000 & Above 1.59% 1.60%

Annual percentage yield (APY). $500 minimum deposit. During the term, you may increase the rate one time to the rate currently offered for the same certificate term without a penalty. A penalty will be assessed for early withdrawal. Effective August 5, 2016. Inquire at Centris for complete terms & conditions.