Home Equity Loan and Home Equity Line of Credit

Borrow smarter with a Home Equity Loan or Line of Credit

Contact UsLearn More Options

Need to borrow some money for a big-ticket item like remodeling, a car or a boat? The smartest way to do it is with a Home Equity Loan or Home Equity Line of Credit (HELOC) from Centris. We offer some of the best rates around. Check out the chart below to see which option is best for you!

Our loans include:

  • Flexible repayment options
  • Competitive interest rates that save you money with lower monthly payments

Plus: if your home equity loan qualifies, your fees may be refunded.*

Questions? Learn more about your home equity options by filling out our contact form.

Which option is best for you?

Do you have a one-time expense such as a major home renovation?

Do you prefer a fixed interest rate as well as fixed monthly payments?

Do you prefer to receive a single check or transfer for the full amount requested?

Home Equity Loan

You’ve heard it said that your house is your biggest asset. It’s true! Did you know you can use the equity you’ve built up in your home to finance large purchases? At Centris, our Home Equity Loan features flexible rates and repayment terms, so you could save money on interest payments. Use our low-rate loan to do things like:

  • Renovate your home
  • Buy a car, boat or RV
  • Consolidate debt

A Centris Home Equity Loan is available for up to 100% of the appraised value of your home, with terms ranging from one to 10 years. Check out our great rates here, or call (800) 334-2328, option “0,” to begin your application over the phone.

Learn more about our Home Equity Loan. Fill out the short form below and a representative will contact you shortly.

Do you have ongoing expenses such as medical bills or education expenses?

Do you prefer a variable interest rate as well as variable monthly payments?

Do you prefer to access funds as needed through checks or a credit card?

Home Equity Line of Credit (HELOC)

Another way to access the equity in your home is with a Home Equity Line of Credit (HELOC). It allows you to borrow a set amount, then withdraw money as you need it.

A HELOC is available for up to 100% of the appraised value of your home (an appraisal is required). You have up to five years to access the funds and up to 10 years for repayment. Interest accrues only on the amount you use, not necessarily the entire line of credit. The introductory rate is for the first six months, after which the rate is based on the amount of equity you have in your home and the prime rate. The prime rate is a short-term interest rate determined by the Federal Reserve and the nation’s top 25 commercial banks.

Learn more about our Home Equity Line of Credit. Fill out the short form below and a representative will contact you shortly.

Do you need cash now?

Quick Cash Option

We’ll help you find the perfect quick cash option to fit your needs.

Click here for more information, or feel free to give us a call at (402) 334-7000. You can also send us a message below.

Contact Us About A Home Equity Loan

  • Name * Required
  • Please do not provide any personal account information.

All loans subject to approval. Rates, terms and conditions are subject to change.

Home Equity Loans

As Low As*

4.49%
APR

Annual Percentage Rate (APR) is accurate as of June 22, 2018. 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. 72 monthly payments of $17.69 for $1,000 borrowed at 7.99% APR for 91-100% financing. 72 monthly payments of $16.56 for $1,000 borrowed at 5.74% APR for 81-90% financing. 72 monthly payments of $15.95 for $1,000 borrowed at 4.49% APR for 0-80% financing. All loans subject to approval.

Certificates

40 months*

3.30%
APY

Annual Percentage Yield (APY) and dividends are accurate as of the last declaration date on August 31, 2018. Rates are subject to change at any time without notice. $500 minimum deposit. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Inquire at Centris from complete terms and condition.

Auto Loans

As Low As*

5.24%
APR

Annual Percentage Rate (APR) is accurate as of October 12, 2018. 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. 63 monthly payments of $365.87 $20,000 borrowed at 5.24% APR All loans subject to approval.

Personal Loans

As Low As*

6.49%
APR

Annual Percentage Rate (APR) is accurate as of October 1, 2018. Rates start as low as 6.49% APR. Rates may vary based on individual creditworthiness. Subject to credit approval. Programs, rates, terms and conditions are subject to change without notice. $2,500 new money required. No additional discounts apply. 24 monthly payments of $111.95 for $2,500 borrowed at 6.49% APR. Inquire at Centris for complete terms and conditions at (800) 334-2328.

*Federally insured by NCUA. Subject to credit approval. The rate may vary based on individual creditworthiness, term of loan and underwriting factors. Loan must disburse at $20,000 or higher new money to Centris to be eligible for refund of fees. Fees that are eligible for a refund include: appraisal, title search/insurance, flood and filing fees. Fees will be refunded directly to the member or credited to the principal balance of the loan; however they were paid to Centris. Programs, rates, terms and conditions are subject to change without notice. Inquire at Centris for complete terms and conditions at (800) 334-2328.

Subscribe To Our Emails

Subscribe To Our Emails

Join our mailing list to receive the latest news and updates from our team.

You have Successfully Subscribed!

Share This