Loans
Auto – New
Loan must be secured by a 2013 or newer Auto and under 90,000 miles
| Approx. Term | APR | Payment Example |
|---|---|---|
| 12 - 23 months | as low as 3.74%* | 23 monthly payments of $45.34 for $1,000 borrowed at 3.74% APR |
| 24 - 35 months | as low as 3.74%* | 35 monthly payments of $30.35 for $1,000 borrowed at 3.74% APR |
| 36 - 63 months | as low as 3.74%* | 63 monthly payments of $17.59 for $1,000 borrowed at 3.74% APR |
| 64 - 75 months | as low as 4.24%* | 75 monthly payments of $228.84 for $15,001 borrowed at 4.24% APR |
| 76 - 84 months | as low as 5.24%* | 84 monthly payments of $276.58 for $20,001 borrowed at 5.24% APR |
Annual Percentage Rate (APR) is accurate as of April 3, 2017. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval.
Auto – Used
Loan must be secured by a 2010-2012 Auto and under 120,000 miles OR 2013 or newer Auto with over 90,000 - 120,000 miles, or Special Interest Autos
| Approx. Term | APR | Payment Example |
|---|---|---|
| 12 - 23 months | as low as 5.24%* | 23 monthly payments of $46.10 for $1,000 borrowed at 5.24% APR |
| 24 - 35 months | as low as 5.24%* | 35 monthly payments of $31.08 for $1,000 borrowed at 5.24% APR |
| 36 - 63 months | as low as 5.24%* | 63 monthly payments of $18.32 for $1,000 borrowed at 5.24% APR |
| 64 - 75 months | as low as 5.74%* | 75 monthly payments of $239.64 for $15,001 borrowed at 5.74% APR |
Loan must be secured by a 2007-2009 Auto regardless of mileage OR any newer Auto with over 120,000 miles
| Approx. Term | APR | Payment Example |
|---|---|---|
| 12 - 23 months | as low as 5.49%* | 23 monthly payments of $46.23 for $1,000 borrowed at 5.49% APR |
| 24 - 35 months | as low as 5.49%* | 35 monthly payments of $31.20 for $1,000 borrowed at 5.49% APR |
| 36 - 63 months | as low as 5.49%* | 63 monthly payments of $18.44 for $1,000 borrowed at 5.49% APR |
| 64 - 75 months | as low as 5.99%* | 75 monthly payments of $241.47 for $15,001 borrowed at 5.99% APR |
Annual Percentage Rate (APR) is accurate as of April 3, 2017. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval.
Boats & Jet Skis
| Approx. Term | APR | Payment Example |
|---|---|---|
| 12 months | as low as 5.24%* | 12 monthly payments of $85.72 for $1,000 borrowed at 5.24% APR |
| 24 - 180 months ($1,000 min.) | as low as 5.99%* | 84 monthly payments of $14.68 for $1,000 borrowed at 5.99% APR |
Annual Percentage Rate (APR) is accurate as of June 13, 2016. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. * To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval.
Motorcycles & ATVs
| Approx. Term | APR | Payment Example |
|---|---|---|
| 12 months | as low as 3.74%* | 12 monthly payments of $85.03 for $1,000 borrowed at 3.74% APR |
| 24 - 60 months ($1,000 min.) | as low as 3.74%* | 60 monthly payments of $18.30 for $1,000 borrowed at 3.74% APR |
| 61 - 72 months | as low as 4.49%* | 72 monthly payments of $244.32 for $15,001 borrowed at 4.49% APR |
| 73 - 84 months (Motorcycle only) | as low as 5.24%* | 84 monthly payments of $214.65 for $15,001 borrowed at 5.24% APR |
Annual Percentage Rate (APR) is accurate as of June 13, 2016. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval.
Campers, Travel Trailers, 5th Wheels, Motor Homes
Loan must be secured by a 2013 or newer camper, travel trailer, 5th wheel, or motorhome
| Financed Amount | Approx. Term | APR | Payment Example |
|---|---|---|---|
| $50,001+ | up to 180 months | as low as 4.74%* | 180 monthly payments of $390.19 for $50,001 borrowed at 4.74% APR | $25,001 to $50,000 | up to 144 months | as low as 4.99%* | 144 monthly payments of $232.06 for $25,001 borrowed at 4.99% APR | $1,000 to $25,000 | 24 - 72 months | as low as 5.99%* | 72 monthly payments of $16.57 for $1,000 borrowed at 5.99% APR | $500 to $999.99 | 12 to 23 months | as low as 5.49%** | 23 monthly payments of $45.91 for $1,000 borrowed at 5.49% APR |
Annual Percentage Rate (APR) is accurate as of June 13, 2016. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval. **To qualify for this rate you must have an automatic payment from a Centris checking account. All loans subject to approval.
Loan must be secured by a 2010 to 2012 camper, travel trailer, 5th wheel, or motorhome
| Financed Amount | Approx. Term | APR | Payment Example |
|---|---|---|---|
| $50,001+ | up to 180 months | as low as 4.99%* | 180 monthly payments of $396.78 for $50,001 borrowed at 4.99% APR | $25,001 to $50,000 | up to 144 months | as low as 5.24%* | 144 monthly payments of $235.27 for $25,001 borrowed at 5.24% APR | $1,000 to $25,000 | 24 to 72 months | as low as 6.24%* | 72 monthly payments of $16.69 for $1,000 borrowed at 6.24% APR | $500 to $999.99 | 12 to 23 months | as low as 5.74%** | 23 monthly payments of $46.02 for $1,000 borrowed at 5.74% APR |
Annual Percentage Rate (APR) is accurate as of June 13, 2016. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval. **To qualify for this rate you must have an automatic payment from a Centris checking account. All loans subject to approval.
Loan must be secured by a 2009 or older camper, travel trailer, 5th wheel, or motorhome
| Financed Amount | Approx. Term | APR | Payment Example |
|---|---|---|---|
| $50,001+ | up to 180 months | as low as 5.49%* | 180 monthly payments of $410.14 for $50,001 borrowed at 5.49% APR | $25,001 to $50,000 | up to 144 months | as low as 5.74%* | 144 monthly payments of $241.77 for $25,001 borrowed at 5.74% APR | $1,000 to $25,000 | 24 to 72 months | as low as 6.74%* | 72 monthly payments of $16.92 for $1,000 borrowed at 6.74% APR | $500 to $999.99 | 12 to 23 months | as low as 6.24%** | 23 monthly payments of $46.24 for $1,000 borrowed at 6.24% APR |
Annual Percentage Rate (APR) is accurate as of June 13, 2016. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account and $5,000 New Money. All loans subject to approval. **To qualify for this rate you must have an automatic payment from a Centris checking account. All loans subject to approval.
Personal Loans (Secured)
Share or Certificate Secured
| Approx. Term | APR | Payment Example |
|---|---|---|
| 12 - 60 months | as low as 3.50%* | 60 monthly payments of $91.24 for $5,001 borrowed at 3.50% APR |
| 61 - 72 months | as low as 3.75%* | 72 monthly payments of $183.63 for $10,001 borrowed at 3.75% APR |
Annual Percentage Rate (APR) is accurate as of April 3, 2017. Rates, terms, and conditions subject to change and based on credit worthiness, qualifications, and collateral conditions. *To qualify for this rate you must have an automatic payment from a Centris checking account. All loans subject to approval.
Personal Loans (Unsecured)
| Approx. Term | APR | Payment Example |
|---|---|---|
| 12 - 24 months | as low as 7.99% | 24 monthly payments of $45.53 for $1,000 borrowed at 7.99% APR |
| 25 - 48 months | as low as 8.24% | 48 monthly payments of $24.70 for $1,000 borrowed at 8.24% APR |
| 49 - 60 months | as low as 8.49% | 60 monthly payments of $103.32 for $5,001 borrowed at 8.49% APR |
| 61 - 72 months | as low as 8.99% | 72 monthly payments of $181.59 for $10,001 borrowed at 8.99% APR |
Annual Percentage Rate (APR) is accurate as of May 1, 2017. Rates start as low as 7.99% APR. Rates may vary based on individual creditworthiness. Subject to credit approval. Programs, rates, terms and conditions are subject to change without notice. $2,500 new money required. These rates include a .25% discount for automatic payment. Inquire at Centris for complete terms and conditions at (800) 334-2328.
Personal Lines of Credit
Line of Credit – Call (402) 758-6500 for current rates and conditions. All loans subject to approval.
Home Equity Loans
91-100% Financing
| Term | Fixed APR | Payment Example |
|---|---|---|
| 2 - 72 months | as low as 7.49%* | 72 monthly payments of $17.45 for $1,000 borrowed at 7.49% APR |
| 73 - 120 months | as low as 8.49%* | 120 monthly payments of $12.53 for $1,000 borrowed at 8.49% APR |
81-90% Financing
| Term | Fixed APR | Payment Example |
|---|---|---|
| 2 - 72 months | as low as 5.24%* | 72 monthly payments of $16.33 for $1,000 borrowed at 5.24% APR |
| 73 - 120 months | as low as 6.24%* | 120 monthly payments of $11.32 for $1,000 borrowed at 6.24% APR |
| 121 - 180 months | as low as 6.74%* | 180 monthly payments of $8.92 for $1,000 borrowed at 6.74% APR |
0-80% Financing
| Term | Fixed APR | Payment Example |
|---|---|---|
| 2 - 72 months | as low as 4.24%* | 72 monthly payments of $15.84 for $1,000 borrowed at 4.24% APR |
| 73 - 120 months | as low as 5.24%* | 120 monthly payments of $10.80 for $1,000 borrowed at 5.24% APR |
| 121 - 180 months | as low as 5.74%* | 180 monthly payments of $8.36 for $1,000 borrowed at 5.74% APR |
Annual Percentage Rate (APR) is accurate as of April 3rd, 2017. Real estate closing costs/fees vary based on loan amount, location and type of loan. *To qualify for this rate you must have an automatic payment from a Centris checking account. Taxes and insurance premiums not included in payment. Actual payment obligation will be greater. All loans subject to approval.
Home Equity Line of Credit
Home Equity Line of Credit
| 6 Month Introductory Rate | APR |
|---|---|
| LTV 0 - 80% | Variable* as low as 0.99% |
| LTV 81 - 90% | Variable* as low as 0.99% |
| LTV 91 - 100% | Variable* as low as 0.99% |
| Regular Variable Rates | APR | LTV 0-80% | Variable* as low as 4.75% | LTV 81 - 90% | Variable* as low as 5.50% | LTV 91 - 100% | Variable* as low as 6.00% |
|---|
*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) is accurate as of February 27th, 2017 and my vary quarterly. The APR is based on the Wall Street Journal Prime Rate. The introductory rate will be in effect for 6 months. Thereafter, the APR will be based on the prime rate plus a margin of up to 2.00%. The maximum APR that may apply is 18%. Loan fees and closing costs may vary between $400-$500. Other restrictions may apply. All loans subject to approval.
Savings & Checking
Direct Checking
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| Any balance | 0.05% | 0.05% | $100.00 |
Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings.
Regular Savings, Rafferty & CU Succeed
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| $999.99 & Below | 0.10% | 0.10% | $50.00 |
| $1000.00 & Above | 0.10% | 0.10% | $1,000.00 |
Annual Percentage Yield (APY) is accurate as of January 4th, 2016. Rates may change after account opening. Fees may reduce earnings. Minimum Deposit of $5.00 to open this account when opening online.
You-Name-It Club
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| No Minimum Balance | 0.15% | 0.15% | $35.00 |
Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings. Minimum Deposit of $5.00 to open this account when opening online.
Dollar Save Club
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| 0.20% | 0.20% |
Annual Percentage Yield (APY) is accurate as of January 16, 2015. Rates may change after account opening. Fees may reduce earnings. Minimum deposit of $5.00 to open this account. Inquire at Centris for complete terms & conditions.
Market Rate Savings
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| $.01 - $1,999.99 | 0.10% | 0.10% | $50.00 |
| $2,000.00 - $9,999.99 | 0.15% | 0.15% | $2,000.00 |
| $10,000.00 - $24,999.99 | 0.15% | 0.15% | $10,000.00 |
| $25,000.00 - $49,999.99 | 0.20% | 0.20% | $25,000.00 |
| $50,000.00 & Above | 0.25% | 0.25% | $50,000.00 |
Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings. Minimum Deposit of $5.00 to open this account when opening online.
Investors Plus Money Market
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| $74,999.99 & Below | 0.25% | 0.25% | $20.00 |
| $75,000.00 & Above | 0.30% | 0.30% | $75,000.00 |
Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings. Minimum Deposit of $25,000.00 to open this account. $25,000.00 Minimum Balance to avoid a Service Fee.
IRA Savings
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| $9,999.99 & Below | 0.15% | 0.15% | $35.00 |
| $10,000.00 & Above | 0.20% | 0.20% | $10,000.00 |
Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings.
50 Advantage Checking
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| Any balance | 0.05% | 0.05% | $100.00 |
Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings.
Premier Checking
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| $.01 - $1,499.99 | 0.10% | 0.10% | $50.00 |
| $1,500.00 & above | 0.15% | 0.15% | $1,500.00 |
Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings.
Totally Free Checking
| Tier | Dividend Rate | APY |
|---|---|---|
| Non Dividend Bearing Account | N/A | N/A |
Inquire at Centris for complete terms & conditions.
Credit Cards
VISA® Credit Card
Interest Rates and Interest Charges
| Annual Percentage Rate (APR) | 9.9% – 17.9% – Depending on your credit worthiness |
| APR for Balance Transfers | 9.9% – 17.9% – Depending on your credit worthiness |
| APR for Cash Advances | 15% – 18% – Depending on your credit worthiness |
| Penalty APR and When It Applies | There is no penalty APR |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, letter checks, and balance transfers on the transaction date. |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau’s website at www.consumerfinance.gov/ |
Fees
| Annual Fee | None |
| Transaction Fee | |
|---|---|
| Currency Conversion Fee | Up to 1% on transactions that are converted from foreign currencies to U.S. dollars. |
| Penalty Fee | |
|---|---|
| Returned Check Fee | up to $25.00 |
| Other Fees | |
|---|---|
| Statement Copy Fee | $3.00 / Copy |
In order to qualify for the Centris Federal Credit Union Credit Card you must meet certain qualifications. All loans subject to approval.
The terms of your Account are subject to change as provided in the Agreement.
How We Will Calculate Your Balance: Method of computing the balance for purchases and balance transfers is the average daily balance (including new transactions).
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
This truth in lending disclosure is accurate as of October 1, 2011 and is subject to change after that date. You should contact Centris to determine if any change in pricing has occurred since the application was printed. you may contact Centris at (402) 334-7000 or toll free at (800) 334-2328 or write to: Centris Federal Credit Union, 11825 Q Street, Omaha, NE 68137-3503.
Disclosure provided VISA REV 09/26/12
Centris Rewards VISA® Credit Card
Interest Rates and Interest Charges
| Annual Percentage Rate (APR) | 12.99% – 17.99% – Depending on your credit worthiness |
| APR for Balance Transfers | 12.99% – 17.99% – Depending on your credit worthiness |
| APR for Cash Advances | 18.00% |
| Penalty APR and When It Applies | 18.00% – This APR may be applied to your account if you do not make payments and your account becomes 60 days delinquent. |
| How to Avoid Paying Interest on Purchases | Your due date is the same calendar day every month and will be shown on your statement. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, letter checks, and balance transfers on the transaction date. |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau’s website at http://www.consumerfinance. |
Fees
| Annual Fee | None |
| Transaction Fee | |
|---|---|
| Lost, Stolen, or Damaged Card Replacement Fee | up to $10.00 |
| Penalty Fee | |
|---|---|
| Returned Convenience Check Fee | up to $35.00 |
| Other Fees | |
|---|---|
| Statement Copy Fee | $3.00 / Copy |
In order to qualify for the Centris Federal Credit Union Credit Card you must meet certain qualifications.
The terms of your Account are subject to change as provided in the Agreement. All loans subject to approval.
How We Will Calculate Your Balance: Method of computing the balance for purchases and balance transfers is the average daily balance (including new transactions).
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
This truth in lending disclosure is accurate as of February 1, 2015 and is subject to change after that date. You should contact Centris to determine if any change in pricing has occurred since the application was printed. You may contact Centris at (402) 334-7000 or toll free at (800) 334-2328 or write to: Centris Federal Credit Union, 11825 Q Street, Omaha, NE 68137-3503.
Disclosure provided VISA REV 02/01/15
Certificates
Regular & IRA
Regular & IRA Certificates - minimum opening deposit of $500.00
| Term | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| 6 months | 0.60% | 0.60% | $500.00 |
| 9 months | 0.70% | 0.70% | $500.00 |
| 12 months | 0.80% | 0.80% | $500.00 |
| 18 months | 0.95% | 0.95% | $500.00 |
| 24 months | 1.04% | 1.05% | $500.00 |
| 36 months | 1.19% | 1.20% | $500.00 |
| 48 months | 1.34% | 1.35% | $500.00 |
| 60 months | 1.54% | 1.55% | $500.00 |
Annual Percentage Yield (APY) is accurate as of December 1, 2016. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.
Jumbo
Jumbo Certificates - minimum opening deposit of $90,000.00
| Term | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| 6 months | 0.70% | 0.70% | $90,000.00 |
| 9 months | 0.80% | 0.80% | $90,000.00 |
| 12 months | 0.90% | 0.90% | $90,000.00 |
| 18 months | 1.05% | 1.06% | $90,000.00 |
| 24 months | 1.14% | 1.15% | $90,000.00 |
| 36 months | 1.29% | 1.30% | $90,000.00 |
| 48 months | 1.44% | 1.45% | $90,000.00 |
| 60 months | 1.64% | 1.65% | $90,000.00 |
Annual Percentage Yield (APY) is accurate as of December 1, 2016. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.
Add-On
Add-On Certificates - minimum opening deposit of $100.00
| Term | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| 12 months | 0.25% | 0.25% | $100.00 |
Annual Percentage Yield (APY) is accurate as of February 5th, 2016. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.
Save to Win
Save to Win Certificate - minimum opening deposit of $25.00
| Term | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| 12 months | 0.20% | 0.20% | $25.00 |
Annual Percentage Yield (APY) is accurate as of February 5th, 2016. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Official account and prize entry rules and complete list of prizes that are available at www.savetowin.org. Void where prohibited by law. Inquire at Centris for complete terms & conditions.
