Home Equity Loan and Home Equity Line of Credit

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Borrow smarter with a Home Equity Loan or Line of Credit

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!

All loans subject to approval.

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. Plus, your interest may be tax-deductible (check with your tax advisor). Use our low-rate loan to

  • 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.

For a $20,000 loan for a term of 1 year with 4.25% APR, the monthly payment will be $1,705. For a $20,000 loan for a term of 10 years with a 4.25% APR, the monthly payment will be $205.

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 from Centris features low introductory rates and, like our home equity loans, your interest may be tax-deductible (again, check with your tax advisor).

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

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  • 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 July 12, 2017. 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.

Certificates

60 months*

1.65%
APY

Annual percentage yield (APY). $500 minimum deposit. A penalty will be assessed for early withdrawal. APY is effective July 12, 2017. Fees could reduce earnings on the account. Inquire at Centris for complete terms & conditions.

Auto Loans

As Low As*

3.99%
APR

Annual Percentage Rate (APR) is accurate as of July 12, 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.

Personal Loans

As Low As*

6.24%
APR

Annual Percentage Rate (APR) is accurate as of May 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. All loans subject to approval.

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