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Home Equity Loan

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Home renovations, dream vacations, emergency expenses — tap into your home’s equity to cover large projects or one-time expenses.

A home equity loan is a way to draw on money using your home as collateral. Essentially, it’s a second mortgage on your house that gives you a lump sum of money to use. With a home equity loan you use your home as collateral and received a fixed rate with predictable payments.

Advantages of a Home Equity Loan*

Lower interest rates than other common loan options

Fixed rates with predictable payments

One of the best loan options for large sums of money

Great for large projects that you’ll complete at once (such as a bathroom renovation)

*Rates may vary based on individual creditworthiness, term of loan and underwriting factors. Subject to credit approval. Minimum loan amounts may vary. Programs, rates, terms and conditions are subject to change without notice. Inquire at Centris for complete terms and conditions at (800) 334-2328.

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Current Rates

Home Equity Loans

91-100% Loan-to-Value Financing

TermFixed APR
48-72 MonthsAs low as 11.74%*
73-120 MonthsAs low as 12.74%*

81-90% Loan-to-Value Financing

TermFixed APR
48-72 MonthsAs low as 7.50%*
73-120 MonthsAs low as 8.00%*

0-80% Loan-to-Value Financing

TermFixed APR
48-72 MonthsAs low as 6.25%*
73-120 MonthsAs low as 6.75%*
*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.

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