We Are Where You Are with Home Equity Solutions

At Centris, we are where you are, with our local experts who are ready to help you tap into your home’s equity for the cash you need to achieve your financial goals. Apply for a Centris home equity loan or line of credit today!

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Two Home Equity Options



Home Equity Loan

Receive one lump sum with locked-in rates.

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

Home Equity Line of Credit

Receive money when you need it and only pay interest on what you’ve borrowed.

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Current Rates

Home Equity Loans

91-100%

Term	Fixed APR
48-72 Months	As low as 11.74%*
73-120 Months	As low as 12.74%*

81-90% Financing

Term	Fixed APR
48-72 Months	As low as 7.49%*
73-120 Months	As low as 8.00%*

0-80% Financing

Term	Fixed APR
48-72 Months	As low as 6.25%*
73-120 Months	As low as 6.75%*

*Annual Percentage Rate (APR) is accurate as of April 3, 2025. 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. Taxes and insurance premiums not included in payment. Actual payment obligation will be greater. Closing Costs/Fees vary based on loan amount, location, and loan-to-value ranging between $450-$625. 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 7.49% APR for 81-90% loan-to-value financing would have a monthly payment amount of $173.97. 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 $167.81. 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. Corporate NMLS 490617. Offer valid through June 30, 2025.

Home Equity Line of Credit

Term	APR
12 Month Introductory Rate	Variable* as low as 5.99% APR
Rate After Introductory Period	Variable* as low as 8.24% APR

*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) is accurate as of April 3, 2025. Eligibility for the introductory rate requires automatic payments from a Centris account and must be $10,000 in new money at the minimum. The introductory rate will be in effect for 12 months. Thereafter, rates range from 8.24% to 11.74% 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%. Closing Costs/Fees vary based on loan amount, location, and loan-to-value ranging between $450-$625. 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. Offer valid through June 30, 2025.

See Why Centris Is a Community Favorite

Fast, simple process & competitive rates

No cash due at closing

Flexible & personalized terms for each borrower

Friendly, local experts who understand your needs

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