From
Wish List to Reality

Rates as low as 6.25% APR1,2

Go from dreaming to doing with a home equity loan or line of credit.

Get the Money You Need, When You Need It

A Home Equity Line of Credit (HELOC) or Home Equity Loan can provide you the money you need at lower interest rates than other options, including personal loans and credit cards.

Home Renovations

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Debt Consolidation

Dream Vacation

Dream Vacation

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Emergency Expenses

Low rates, great repayment terms and our experienced team on your side — consider a HELOC or home equity loan with Centris to pursue your financial goals.

1Home Equity Loan Promotion Terms: Annual Percentage Rate (APR) is accurate as of March 6, 2024. Federally insured by NCUA. All loans are subject to credit approval. Rate may vary based on creditworthiness, loan-to-value ratio, collateral condition and may be higher than rate listed above. To qualify for this rate, you must have $10,000 New Money and an automatic payment. Taxes and insurance premiums not included in payment. Actual payment obligation will be greater. Real estate closing costs/fees vary based on loan amount, location and type of loan. For example, a $10,000 loan for a term of 72 months with an 11.74% APR for 91-100% loan-to-value financing would have a monthly payment amount of $196.01. For example, a $10,000 loan for a term of 72 months with a 7.50% APR for 81-90% loan-to-value financing would have a monthly payment amount of $174.03. For example, a $10,000 loan for a term of 72 months with a 6.25% APR for 0-80% loan-to-value financing would have a monthly payment amount of $167.82. Programs, rates, terms and conditions are subject to change without notice. Inquire at Centris Federal Credit Union for complete terms and conditions at (800) 334-2328. Must have a $5 membership share account. Corporate NMLS 490617. Offer valid through June 5, 2024.

2Home Equity Line of Credit Promotion Terms: 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.