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Home Equity Loans and Lines of Credit for Smarter Borrowing

iconNeed to borrow money for a big-ticket item like a renovation project or a special anniversary trip? Use your home and its equity to access a cost-effective home equity loan or line of credit. With flexible rates and repayment terms, you could save money on interest payments and get the fees refunded based on qualification.*

Home Equity Loan

Borrow a lump sum amount to pay for a large one-time purchase. Our home equity loan is available for up to 100 percent of the appraised value of your home with terms ranging from one to 10 years.

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Home Equity Line of Credit

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, and then withdraw money as you need it. 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 on the entire line of credit.

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Rates may vary based on individual creditworthiness and term of loan. Subject to credit approval. *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.