Tap into your equity for the cash you need!

With a Centris Home Equity Line of Credit (HELOC) that includes a fixed-rate lock option, you can use the equity you’ve already built as a homeowner to pursue your financial goals. Just dip into your equity for the cash you need, when you need it and pay interest on only what you use.

Advantages of a HELOC^*

Borrow when you need it.
Pay off your current balance at any time and borrow again.
Have up to five fixed-rate segments at one time.
Lock in a portion of your balance at a fixed rate.
Make interest only payments on any unlocked portion of your balance.
Peace-of-mind on fixed-rate lock segment with protection from rising rates and predictable monthly payments.
You choose your repayment terms for fixed-rate segments
(5-year, 10-year, 15-year or 20-year).

How Does a HELOC Work?

Current Rates

Home Equity Line of Credit

Term	APR
12 Month Introductory Rate	Variable* as low as 6.25% APR
Rate After Introductory Period	Variable* as low as 9.24% APR

*VARIABLE RATE INFORMATION:The Annual Percentage Rate (APR) is accurate as of March 6, 2024. Eligibility for introductory rate requires automatic payments and must be $10,000 new money minimum. The introductory rate will be in effect for 12 months. Thereafter, rates range from 9.24% to 12.74% APR and are subject to change at any time. "As low as" rate assumes excellent borrower credit history and 80% or less Loan-to-Value. An annual fee of $50 is due annually. The maximum APR that may apply is 18%. Loan fees and closing costs may vary between $400-$500. During the draw period, the lock option may be used for up to five (5) advances at any one time. Minimum lock amount $5,000. The cost to unlock each lock option is $100. Minimum amount for a home equity line of credit is $10,000. The rates may vary based on individual credit worthiness and underwriting factors. Programs, rates, terms and conditions are subject to change without notice. All loans subject to approval. Other restrictions may apply. Inquire at Centris for complete terms and conditions at (800) 334-2328. Must have a $5 membership share account. Offer valid through June 5, 2024.