Rates
Loans
Auto - New
Loan must be secured by a 2016 or newer Auto and under 90,000 miles
| Approx. Term | APR |
|---|---|
| 24-35 Months | As low as 3.99%* |
| 36-63 Months | As low as 3.99%* |
| 64-75 Months | As low as 4.49%* |
| 76-84 Months | As low as 5.49%* |
Annual Annual Percentage Rate (APR) is accurate as of January 1, 2020. 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. 63 monthly payments of $354.18 for $20,000 borrowed at 3.99% APR. All loans subject to approval.
Auto - Used
Loan must be secured by a 2013-2015 Auto and under 120,000 miles OR 2016 or newer Auto with over 90,000 – 120,000 miles, or Special Interest Autos
| Approx. Term | APR |
|---|---|
| 24-35 Months | As low as 5.49%* |
| 36-63 Months | As low as 5.49%* |
| 64-75 Months | As low as 5.99%* |
Annual Annual Percentage Rate (APR) is accurate as of January 1, 2020. 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. 63 monthly payments of $184.34 for $10,000 borrowed at 5.49% APR for loan secured by a 2012-2014 Auto and under 120,000 miles OR 2015 or newer Auto with over 90,000 – 120,000 miles, or Special Interest Autos. All loans subject to approval.
Loan must be secured by a 2010-2012 Auto regardless of mileage OR any newer Auto with over 120,000 miles
| Approx. Term | APR |
|---|---|
| 24-35 Months | As low as 6.24%* |
| 36-63 Months | As low as 6.24%* |
| 64-75 Months | As low as 6.74%* |
Annual Annual Percentage Rate (APR) is accurate as of January 1, 2020. 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. 63 monthly payments of $188.03 for $10,000 borrowed at 6.24% APR. All loans subject to approval.
Boats & Jet Skis
| Approx. Term | APR |
|---|---|
| 24-180 Months | As low as 6.49%* |
Annual Annual Percentage Rate (APR) is accurate as of January 1, 2020. 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. 60 monthly payments of $197.22 for $10,000 borrowed at 6.49% APR. All loans subject to approval.
Motorcycles & ATVs
| Approx. Term | APR |
|---|---|
| 24-60 Months | As low as 4.49%* |
| 61-72 Months | As low as 4.99%* |
| 73-84 Months (Motorcycle only) | As low as 5.74%* |
Annual Annual Percentage Rate (APR) is accurate as of January 1, 2020. 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. 60 monthly payments of $93.73 for $5,000 borrowed at 4.49% APR. All loans subject to approval.
Campers, Travel Trailers, 5th Wheels, Motor Homes
Loan must be secured by a 2016 or newer camper, travel trailer, 5th wheel, or motorhome
| Financed Amount | Approx. Term | APR |
|---|---|---|
| $1,000 to $25,000 | 24 - 72 months | as low as 5.99%* |
| $25,001 to $50,000 | up to 144 months | as low as 5.49%* |
| $50,001+ | up to 180 months | as low as 5.24%* |
Annual Annual Percentage Rate (APR) is accurate as of January 1, 2020. 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. 180 monthly payments of $424.85 for $50,001 borrowed at 5.99% APR for loan secured by a 2015 or newer camper, travel trailers, 5th wheel, or motorhome. All loans subject to approval.
Loan must be secured by a 2013 to 2015 camper, travel trailer, 5th wheel, or motorhome
| Financed Amount | Approx. Term | APR |
|---|---|---|
| $1,000 to $25,000 | 24 - 72 months | as low as 6.24%* |
| $25,001 to $50,000 | up to 144 months | as low as 5.74%* |
| $50,001+ | up to 180 months | as low as 5.49%* |
Annual Annual Percentage Rate (APR) is accurate as of January 1, 2020. 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. 144 monthly payments of $242.37 for $25,001 borrowed at 5.74% APR. All loans subject to approval.
Loan must be secured by a 2012 or older camper, travel trailer, 5th wheel, or motorhome
| Financed Amount | Approx. Term | APR |
|---|---|---|
| $1,000 to $25,000 | 24 - 72 months | as low as 6.74%* |
| $25,001 to $50,000 | up to 144 months | as low as 6.24%* |
| $50,001+ | up to 180 months | as low as 5.99%* |
Annual Annual Percentage Rate (APR) is accurate as of January 1, 2020. 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. 72 monthly payments of $170.69 for $10,000 borrowed at 6.74% APR. All loans subject to approval.
Personal Loans (Secured)
Share or Certificate Secured
| Approx. Term | APR |
|---|---|
| 12-60 Months | As low as 4.00%* |
| 61-72 Months | As low as 4.25%* |
Annual Percentage Rate (APR) is accurate as of January 1, 2020. 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. 60 monthly payments of $92.09 for $5,001 borrowed at 4.00% APR. All loans subject to approval.
Personal Loans (Unsecured)
| Approx. Term | APR |
|---|---|
| 12-24 Months | As low as 8.49% |
| 25-48 Months | As low as 8.74% |
| 49-60 Months | As low as 8.99% |
| 61-72 Months | As low as 9.49% |
Annual Percentage Rate (APR) is accurate as of February 1, 2020. Rates start as low as 8.49% APR. Rates may vary based on individual creditworthiness and term of the loan. Subject to credit approval. Programs, rates, terms and conditions are subject to change without notice. $2,500 new money required. This rate includes a .25% discount for automatic payment. 24 monthly payments of $114.41 for $2,500 borrowed at 8.49% APR Inquire at Centris for complete terms and conditions at (800) 334-2328.
Home Equity Loans
91-100%
| Term | Fixed APR |
|---|---|
| 2-72 Months | As low as 8.24%* |
| 73-120 Months | As low as 9.24%* |
81-90% Financing
| Term | Fixed APR |
|---|---|
| 2-72 Months | As low as 5.99%* |
| 73-120 Months | As low as 6.99%* |
| 121-180 Months | As low as 7.49%* |
0-80% Financing
| Term | Fixed APR |
|---|---|
| 2-72 Months | As low as 4.74%* |
| 73-120 Months | As low as 5.74%* |
| 121-180 Months | As low as 6.24%* |
Annual Percentage Rate (APR) is accurate as of January 1, 2020. 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. 72 monthly payments of $178.24 for $10,000 borrowed at 8.24% APR for 91-100% financing. 72 monthly payments of $166.87 for $10,000 borrowed at 5.99% APR for 81-90% financing. 72 monthly payments of $160.80 for $10,000 borrowed at 4.74% APR for 0-80% financing. All loans subject to approval.
Home Equity Line of Credit
| 12 Month Introductory Rate | APR |
|---|---|
| LTV 0-80 | Variable* as low as .99% |
| LTV 81-90 | Variable* as low as .99% |
| LTV 91-100 | Variable* as low as .99% |
| Rate After Introductory Period | APR |
|---|---|
| LTV 0-80 | Variable* as low as 4.75% |
| LTV 81-90 | Variable* as low as 5.75% |
| LTV 91-100 | Variable* as low as 6.75% |
*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) is accurate as of January 1, 2020 and may vary quarterly. The APR is based on the Wall Street Journal Prime Rate. The introductory rate will be in effect for 12 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 | .05% | .05% | $100 |
Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: January 1, 2020. 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 | .10% | .10% | $50.00 |
| $1,000.00 & Above | .10% | .10% | $1,000.00 |
Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: January 1, 2020. 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 | .20% | .20% | $35.00 |
Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: January 1, 2020. Rates may change after account opening. Fees may reduce earnings. Minimum Deposit of $5.00 to open this account when opening online.
Market Rate Savings
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| $.0-1,999.99 | .10% | .10% | $50.00 |
| $2,000.00 | .20% | .20% | $2,000.00 |
| $10,000.00-24,999.99 | .25% | .25% | $10,000.00 |
| $25,000.00-49,999.99 | .40% | .40% | $25,000.00 |
| $50,000.00+ | .50% | .50% | $50,000 |
Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: January 1, 2020. 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 |
|---|---|---|---|
| $25,000 - $74,999.99 | .50% | .50% | $25,000.00 |
| $75,000.00 - $99,999.00 | .55% | .55% | $75,000.00 |
| $100,000.00 - $249,999.00 | 1.04% | 1.05% | $100,000.00 |
| $250,000.00 & Above | 1.29% | 1.30% | $250,000.00 |
Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: January 1, 2020. 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 | .15% | .15% | $35.00 |
| $10,000.00 & Above | .20% | .20% | $10,000.00 |
Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: January 1, 2020. 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 | .05% | .05% | $100.00 |
Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: January 1, 2020. 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 | .10% | .10% | $50.00 |
| $1,500.00 & Above | .15% | .15% | $1,500.00 |
Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: January 1, 2020. Rates may change after account opening. Fees may reduce earnings.
Totally Free Checking
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| Non Dividend Bearing Account | N/A | N/A |
Inquire at Centris for complete terms & conditions.
Credit Cards
New credit card options coming soon!
Certificates
Regular & IRA
Regular & IRA Certificates – minimum opening deposit of $500.00
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| 6 months | 1.24% | 1.25% | $500.00 |
| 9 months | 1.39% | 1.40% | $500.00 |
| 12 months | 1.54% | 1.55% | $500.00 |
| 14 months | 1.73% | 1.75% | $500.00 |
| 18 months | 1.78% | 1.80% | $500.00 |
| 24 months | 1.88% | 1.90% | $500.00 |
| 36 months | 2.03% | 2.05% | $500.00 |
| 48 months | 2.03% | 2.05% | $500.00 |
| 60 months | 2.13% | 2.15% | $500.00 |
Annual Percentage Yield (APY) and dividends are accurate as of the last declaration date on January 1, 2020. Rates are subject to change at any time without notice. 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
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| 6 months | 1.34% | 1.35% | $90,000.00 |
| 9 months | 1.49% | 1.50% | $90,000.00 |
| 12 months | 1.64% | 1.65% | $90,000.00 |
| 14 months | 1.83% | 1.85% | $90,000.00 |
| 18 months | 1.88% | 1.90% | $90,000.00 |
| 24 months | 1.98% | 2.00% | $90,000.00 |
| 36 months | 2.13% | 2.15% | $90,000.00 |
| 48 months | 2.13% | 2.15% | $90,000.00 |
| 60 months | 2.23% | 2.25% | $90,000.00 |
Annual Percentage Yield (APY) and dividends are accurate as of the last declaration date on January 1, 2020. Rates are subject to change at any time without notice. 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
| Tier | 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 January 1, 2020. Rates are subject to change at any time without notice. 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
| Tier | 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 January 1, 2020. Rates are subject to change at any time without notice. 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.
