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 5.99%
25-48 Months	As low as 6.74%
49-60 Months	As low as 6.99%
61-72 Months	As low as 7.49%

Annual Percentage Rate (APR) is accurate as of January 1, 2020. Rates start as low as 5.99% 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. No additional discounts apply. 24 monthly payments of $110.74 for $2,500 borrowed at 5.99% 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

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

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

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

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	9.9-17.9% - 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.
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.

Fees

Annual Fee	None
Transaction Fees
Balance Transfer Fee	None
Cash Advances	None
Foreign Transaction Fee	1% on transactions that are converted from foreign currencies to U.S. dollars.
Penalty Fees
Late Payment Fee	Up to $27.00
Returned Payment Fee	Up to $27.00
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: We use a method called “average daily balance (excluding new purchases) (including new balance transfers and cash advances).

Effective Date: The information about the costs of the card described in this application is accurate as of January 1, 2020. This information may have changed after that date. To find out what may have changed, 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 08/07/17

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	12.99-17.99% - Depending on your credit worthiness
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 Long will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due; and you do not again default on these conditions during this time.
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.
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.

Fees

Annual Fee	None
Transaction Fees
Balance Transfer Fee	None
Cash Advances	None
Foreign Transaction Fee	1% on transactions that are converted from foreign currencies to U.S. dollars.
Penalty Fees
Late Payment Fee	Up to $27.00
Returned Payment Fee	Up to $27.00
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: We use a method called “average daily balance (excluding new purchases) (including new balance transfers and cash advances).

Disclosure provided VISA REV 08/07/17

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

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

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.