Rates

Loans

Auto - New

Loan must be secured by a 2013 or newer Auto and under 90,000 miles

Approx. TermAPR
12-23 Months As low as 3.99%*
24-35 MonthsAs low as 3.99%*
36-63 MonthsAs low as 3.99%*
64-75 MonthsAs low as 4.49%*
76-84 MonthsAs low as 5.49%*

Annual Percentage Rate (APR) is accurate as of July 12, 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. 63 monthly payments of $353.60 for $20,000 borrowed at 3.99% APR. 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. TermAPR
12-23 MonthsAs low as 5.49%*
24-35 MonthsAs low as 5.49%*
36-63 MonthsAs low as 5.49%*
64-75 MonthsAs low as 5.99%*

Annual Percentage Rate (APR) is accurate as of July 12, 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. 63 monthly payments of $183.92 for $10,000 borrowed at 5.49% APR for loan 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. All loans subject to approval.

Loan must be secured by a 2007-2009 Auto regardless of mileage OR any newer Auto with over 120,000 miles

Approx. TermAPR
12-23 MonthsAs low as 5.74%*
24-35 MonthsAs low as 5.74%*
36-63 MonthsAs low as 5.74%*
64-75 MonthsAs low as 6.24%*

Annual Percentage Rate (APR) is accurate as of July 12, 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. 63 monthly payments of $185.13 for $10,000 borrowed at 5.74% APR. All loans subject to approval.

Boats & Jet Skis

Approx. TermAPR
12 MonthsAs low as 5.49%*
24-180 MonthsAs low as 6.24%*

Annual Percentage Rate (APR) is accurate as of July 12, 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. 60 monthly payments of $195.48 for $10,000 borrowed at 6.24% APR. All loans subject to approval.

Motorcycles & ATVs

Approx. TermAPR
12 MonthsAs low as 3.99%*
24-60 MonthsAs low as 3.99%*
61-72 MonthsAs low as 4.74%*
73-84 Months (Motorcycle only)As low as 5.49%*

Annual Percentage Rate (APR) is accurate as of July 12, 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. 60 monthly payments of $92.38 for $5,000 borrowed at 3.99% APR. 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 AmountApprox. TermAPR
$50,001+up to 180 monthsas low as 4.99%*
$25,001 to $50,000up to 144 monthsas low as 5.24%*
$1,000 to $25,00024 - 72 monthsas low as 6.24%*
$500 to $999.9912 to 23 monthsas low as 4.99%**

Annual Percentage Rate (APR) is accurate as of July 12, 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. 180 monthly payments of $396.82 for $50,001 borrowed at 4.99% APR for loan secured by a 2013 or newer camper, travel trailers, 5th wheel, or mortorhome. 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 AmountApprox. TermAPR
$50,001+up to 180 monthsas low as 5.24%*
$25,001 to $50,000up to 144 monthsas low as 5.49%*
$1,000 to $25,00024 - 72 monthsas low as 6.49%*
$500 to $999.9912 to 23 months5.24%**

Annual Percentage Rate (APR) is accurate as of July 12, 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. **To qualify for this rate you must have an automatic payment from a Centris checking account. 144 monthly payments of $238.54 for $25,001 borrowed at 5.49% APR. All loans subject to approval.

Loan must be secured by a 2009 or older camper, travel trailer, 5th wheel, or motorhome

Financed AmountApprox. TermAPR
$50,001+up to 180 monthsas low as 5.74%*
$25,001 to $50,000up to 144 monthsas low as 5.99%*
$1,000 to $25,00024 - 72 monthsas low as 6.99%*
$500 to $999.9912 to 23 monthsas low as 5.74%**

Annual Percentage Rate (APR) is accurate as of July 12, 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. **To qualify for this rate you must have an automatic payment from a Centris checking account. 72 monthly payments of $171.46 for $10,000 borrowed at 6.99% APR. All loans subject to approval.

Personal Loans (Secured)

Share or Certificate Secured

Approx. TermAPR
12-60 MonthsAs low as 3.75%*
61-72 MonthsAs low as 4.00%*

Annual Percentage Rate (APR) is accurate as of July 12, 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. 60 monthly payments of $91.83 for $5,001 borrowed at 3.75% APR. All loans subject to approval.

Personal Loans (Unsecured)

Approx. TermAPR
12-24 MonthsAs low as 6.24%
25-48 MonthsAs low as 6.49%
49-60 MonthsAs low as 6.74%
61-72 MonthsAs low as 7.24%
Annual Percentage Rate (APR) is accurate as of June 1, 2017. Rates start as low as 6.24% 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 $111.66 for $2,500 borrowed at 6.24% APR 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%

TermFixed APR
2-72 MonthsAs low as 7.74%*
73-120 MonthsAs low as 8.74%*

81-90% Financing

TermFixed APR
2-72 MonthsAs low as 5.49%*
73-120 MonthsAs low as 6.49%*
121-180 MonthsAs low as 6.99%*

0-80% Financing

TermFixed APR
2-72 MonthsAs low as 4.49%*
73-120 MonthsAs low as 5.49%*
121-180 MonthsAs low as 5.99%*

Annual Percentage Rate (APR) is accurate as of July 12, 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. 72 monthly payments of $17.53 for $1,000 borrowed at 7.74% APR for 91-100% financing. 72 monthly payments of $16.41 for $1,000 borrowed at 5.49% APR for 81-90% financing. 72 monthly payments of $15.93 for $1,000 borrowed at 4.49% APR for 0-80% financing. All loans subject to approval.

Home Equity Line of Credit

6 Month Introductory RateAPR
LTV 0-80Variable* as low as .99%
LTV 81-90Variable* as low as .99%
LTV 91-100Variable* as low as .99%
Regular Variable RatesAPR
LTV 0-80Variable* as low as 4.75%
LTV 81-90Variable* as low as 5.50%
LTV 91-100Variable* as low as 6.25%

*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) is accurate as of July 1st, 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

TierDividend RateAPYMinimum balance to earn stated APY
Any Balance.05%.05%$100

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

TierDividend RateAPYMinimum balance to earn stated APY
$999.99 & Below.10%.10%$50.00
$1000.00 & Above.10%.10%$1000.00

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

TierDividend RateAPYMinimum balance to earn stated APY
No Minimum Balance.15%.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

TierDividend RateAPYMinimum balance to earn stated APY
.20%.20%N/A

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

TierDividend RateAPYMinimum balance to earn stated APY
$.0-1999.99.10%.10%$50.00
$2000.00.15%.15%$2000.00
$10000.00-24999.99.15%.15%$10000.00
.25000.00-24999.99.20%.20%$25000.00
$50000.00+.25%.25%$50000

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

TierDividend RateAPYMinimum balance to earn stated APY
$74999.99 & Below.25%.25%$20.00
$75000.00 & Above.30%.30%$75000.00

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

TierDividend RateAPYMinimum balance to earn stated APY
$9,999.99 & Below.15%.15%$35.00
$10,000.00 & Above.20%.20%$10000.00

Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings.

50 Advantage Checking

TierDividend RateAPYMinimum balance to earn stated APY
Any Balance.05%.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

TierDividend RateAPYMinimum balance to earn stated APY
$.01-1499.99.10%.10%$50.00
$1500.00 & Above.15%.15%$1500.00

Annual Percentage Yield (APY) is accurate as of February 5th, 2016. Rates may change after account opening. Fees may reduce earnings.

Totally Free Checking

TierDividend RateAPYMinimum balance to earn stated APY
Non Dividend Bearing AccountN/AN/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 Transfers9.9-17.9% - Depending on your credit worthiness
APR for Cash Advances15-18% - Depending on your credit worthiness
Penalty APR and When It AppliesThere is no penalty APR
How to Avoid Paying Interest on PurchasesYour 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 ChargeNone
For Credit Card Tips from the Consumer Financial Protection BureauTo 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/learnmore/.

Fees

Annual FeeNone
Transaction Fee
Currency Conversion FeeUp to 1% on transactions that are converted from foreign currencies to U.S. dollars.
Cash Advances3% (minimum $5)
Balance Transfer feeNone
Penalty Fee
Late payment FeeUp 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 Transfers12.99-17.99% - Depending on your credit worthiness
APR for Cash Advances18.00%
Penalty APR and When It Applies18.00% - 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 PurchasesYour 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 ChargeNone
For Credit Card Tips from the Consumer Financial Protection BureauTo 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/learnmore/.

Fees

Annual FeeNone
Transaction Fee
Lost, Stolen, or Damaged Card Replacement FeeUp to $10.00
Penalty Fee
Returned Check FeeUp 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. 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

Certificates

Regular & IRA

Regular & IRA Certificates - minimum opening deposit of $500.00

TermDividend RateAPYMinimum balance to earn stated APY
6 months0.60%0.60%$500.00
9 months0.70%0.70%$500.00
12 months0.80%0.80%$500.00
18 months0.95%0.95%$500.00
24 months1.04%1.05%$500.00
36 months1.19%1.20%$500.00
48 months1.34%1.35%$500.00
60 months1.54%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

TermDividend RateAPYMinimum balance to earn stated APY
6 months0.70%0.70%$90000.00
9 months0.80%0.80%$90000.00
12 months0.90%0.90%$90000.00
18 months1.05%1.06%$90000.00
24 months1.14%1.15%$90000.00
36 months1.29%1.30%$90000.00
48 months1.44%1.45%$90000.00
60 months1.64%1.65%$90000.00

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

TermDividend RateAPYMinimum balance to earn stated APY
12 months0.25%0.25%$100.00

Annual Percentage Yield (APY) is accurate as of February 27, 2017. 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

TermDividend RateAPYMinimum balance to earn stated APY
12 months0.20%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.

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