Rates

Loans

Auto

Loan must be secured by a 2021 or newer Auto and under 50,000 miles

Approx. Term	APR
24-63 Months	As low as 6.99%*
64-75 Months	As low as 7.49%*
76-84 Months	As low as 7.99%*

Annual Percentage Rate (APR) is accurate as of Jan. 8, 2025. Rates, terms, and conditions are subject to change and based on creditworthiness, qualifications, loan-to-value ratio, vehicle mileage and collateral age. *To qualify for this rate, you must have an automatic payment from a checking account and $5,000 New Money. For example, a $35,000 loan for a term of 72 months with a 7.49% APR would have a monthly payment amount of $608.64. All loans subject to approval.

Loan must be secured by 2021 or newer Auto

Approx. Term	APR
24-63 Months	As low as 8.24%*
64-75 Months	As low as 8.74%*
76-84 Months	As low as 9.74%*

Annual Percentage Rate (APR) is accurate as of Jan. 8, 2025. Rates, terms, and conditions are subject to change and based on creditworthiness, qualifications, loan-to-value ratio, vehicle mileage and collateral age. *To qualify for this rate, you must have an automatic payment from a checking account, $5,000 New Money, and Auto under 100,000 miles. For example, a $20,000 loan for a term of 63 months with an 8.24% APR would have a monthly payment amount of $394.74. Inquire at Centris at (800) 334-2328 for Auto with over 100,000 miles. All loans subject to approval.

Loan must be secured by a 2018-2020 Auto OR Special Interest Auto

Approx. Term	APR
24-63 Months	As low as 9.74%*
64-75 Months	As low as 10.24%*

Annual Percentage Rate (APR) is accurate as of Jan. 8, 2025. Rates, terms, and conditions are subject to change and based on creditworthiness, qualifications, loan-to-value ratio, vehicle mileage and collateral age. *To qualify for this rate, you must have an automatic payment from a checking account, $5,000 New Money, and Auto under 100,000 miles. For example, a $10,000 loan for a term of 63 months with a 9.74% APR secured by a 2018-2020 Auto OR Special Interest Auto would have a monthly payment amount of $204.98. Inquire at Centris at (800) 334-2328 for Auto with over 100,000 miles. All loans subject to approval.

Loan must be secured by a 2015-2017 Auto

Approx. Term	APR
24-63 Months	As low as 10.99%*
64-75 Months	As low as 11.49%*

Annual Percentage Rate (APR) is accurate as of Jan. 8, 2025. Rates, terms, and conditions are subject to change and based on creditworthiness, qualifications, loan-to-value ratio, vehicle mileage and collateral age. *To qualify for this rate, you must have an automatic payment from a checking account, $5,000 New Money, and Auto under 100,000 miles. For example, a $10,000 loan for a term of 63 months with a 10.99% APR secured by a 2015-2017 Auto would have a monthly payment amount of $211.46. Inquire at Centris at (800) 334-2328 for Auto with over 100,000 miles. All loans subject to approval.

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Boats & Jet Skis

Approx. Term	APR
24-180 Months	As low as 11.24%*

Annual Percentage Rate (APR) is accurate as of Jan. 8, 2025. 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. For example, a $10,000 loan for 60 months with a 11.24% APR would have a monthly payment amount of $220.63. All loans subject to approval.

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Motorcycles & ATVs

Approx. Term	APR
24-60 Months	As low as 8.74%*
61-72 Months	As low as 9.24%*
73-84 Months (Motorcycle only)	As low as 9.99%*

Annual Percentage Rate (APR) is accurate as of Jan. 8, 2025. 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. For example, a $5,000 loan for a term of 60 months with an 8.74% APR would have a monthly payment amount of $103.89. All loans subject to approval.

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Campers, Travel Trailers, 5th Wheels, Motor Homes

Loan must be secured by a 2021 or newer camper, travel trailer, 5^th wheel or motorhome

Financed Amount	Approx. Term	APR
$2,500 to $10,000	24-72 months	as low as 10.24%*
$10,001 to $25,000	up to 120 months	as low as 10.24%*
$25,001 to $50,000	up to 144 months	as low as 9.74%*
$50,001+	up to 180 months	as low as 9.49%*

Annual Percentage Rate (APR) is accurate as of Jan. 8, 2025. 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. For example, a $50,001 loan for a term of 180 months with a 9.49% APR secured by a 2021 or newer camper, travel trailers, 5th wheel, or motorhome would have a monthly payment amount of $525.77. All loans subject to approval.

Loan must be secured by a 2018 to 2020 camper, travel trailer, 5^th wheel or motorhome

Financed Amount	Approx. Term	APR
$2,500 to $10,000	24-72 months	as low as 10.49%*
$10,001 to $25,000	up to 120 months	as low as 10.49%*
$25,001 to $50,000	up to 144 months	as low as 9.99%*
$50,001+	up to 180 months	as low as 9.74%

Annual Percentage Rate (APR) is accurate as of Jan. 8, 2025. 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. For example, a $25,001 loan for a term of 144 months with a 9.99% APR would have a monthly payment amount of $301.02. All loans subject to approval.

Loan must be secured by a 2017 or older camper, travel trailer, 5^th wheel or motorhome

Financed Amount	Approx. Term	APR
$2,500 to $10,000	24-72 months	as low as 10.99%*
$10,001 to $25,000	up to 120 months	as low as 10.99%*
$25,001 to $50,000	up to 144 months	as low as 10.49%*
$50,001+	up to 180 months	as low as 10.24%*

Annual Percentage Rate (APR) is accurate as of Jan. 8, 2025. 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. For example, a $10,000 loan for a term of 72 months with a 10.99% APR would have a monthly payment amount of $191.97. All loans subject to approval.

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Personal Loans (Secured)

Share or Certificate Secured

Approx. Term	APR
12-60 Months	As low as 9.25%*
61-72 Months	As low as 9.50%*

Annual Percentage Rate (APR) is accurate as of Jan. 8, 2025. 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 checking account. For example, a $5,001 loan for a term of 60 months with an 9.25% APR would have a monthly payment amount of $105.21. All loans subject to approval.

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Personal Loans (Unsecured)

Approx. Term	APR
12-24 Months	As low as 11.24%*
25-48 Months	As low as 11.49%*
49-60 Months	As low as 11.74%*
61-72 Months	As low as 12.24%*

Annual Percentage Rate (APR) is accurate as of Jan. 8, 2025. Rates may vary based on individual creditworthiness, term of the loan and underwriting factors. Subject to credit approval. Programs, rates, terms and conditions are subject to change without notice. *To qualify for this rate, you must have an automatic payment from a checking account. For example, a $2,500 loan for a term of 24 months with a 11.24% APR would have a monthly payment amount of $117.87. Inquire at Centris for complete terms and conditions at (800) 334-2328. All loans subject to approval.

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Home Equity Loans

91-100% Financing

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 9.24%*
73-120 Months	As low as 9.75%*

0-80% Financing

Term	Fixed APR
48-72 Months	As low as 8.00%*
73-120 Months	As low as 8.50%*

*Annual Percentage Rate (APR) is accurate as of January 1, 2025. To qualify for this rate, you must have an automatic payment from a checking account. Taxes and insurance premiums not included in payment. Real estate closing costs/fees vary based on loan amount, location and type of loan. For example, a $10,000 loan for a term of 72 months with a 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 9.24% APR for 81-90% loan-to-value financing would have a monthly payment amount of $182.82. For example, a $10,000 loan for a term of 72 months with a 8.00% APR for 0-80% loan-to-value financing would have a monthly payment amount of $176.49.

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Home Equity Line of Credit

Term	APR
12 Month Introductory Rate	Variable* as low as 6.50% APR
Rate After Introductory Period	Variable* as low as 8.24% APR

*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) is accurate as of January 1, 2025 and may vary quarterly. The APR is based on the Wall Street Journal Prime Rate. Eligibility for introductory rate requires automatic payments and the subject property may not have been used to receive a special introductory rate within the last three years. The introductory rate will be in effect for 12 months. Thereafter, rates range from 8.74% to 12.24% 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 $50.00 is due annually. The maximum APR that may apply is 18%. Loan fees and closing costs may vary between $400-$500. During the draw period, the lock option may be used for up to five (5) advances at any one time. Minimum lock amount $5,000.00. The cost to unlock each lock option is $100.00.

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.

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Savings & Checking

Direct Checking

Tier	Dividend Rate	APY	Minimum balance to earn stated APY
Any Balance	.05%	.05%	$0.01

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: Nov. 20, 2024. Rates may change after account opening. Fees may reduce earnings.

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Regular Savings & Rafferty

Tier	Dividend Rate	APY	Minimum balance to earn stated APY
$999.99 & Below	.10%	.10%	$0.01
$1,000.00 & Above	.10%	.10%	$1,000.00

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: Nov. 20, 2024. Rates may change after account opening. Fees may reduce earnings. Minimum Deposit of $5.00 to open this account when opening online. View Savings Options Book an Appointment

Certificate and Savings Bundle

Tier	Dividend Rate	APY	Minimum balance to earn stated APY
N/A	4.16%	4.25%	Any balance up to matched certificate amount

Federally insured by NCUA. Annual Percentage Yield (APY) is accurate as of Nov. 20, 2024. A penalty for early withdrawal may be imposed on the certificate linked to the Certificate and Savings Bundle account. Fees may reduce earnings on the account. Minimum opening deposit of $500 required for certificate. Qualifying certificate with 6-month minimum term required. Savings account must be opened within 7 days of the certificate and no additional deposits can be made into the savings account. Savings account opening deposit not to exceed that of certificate. 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.

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Club

Tier	Dividend Rate	APY	Minimum balance to earn stated APY
No Minimum Balance	.20%	.20%	$0.01

Market Rate Savings

Tier	Dividend Rate	APY	Minimum balance to earn stated APY
$0.01 - $24,999.99	0.85%	0.85%	0.01
$25,000.00 - $49,999.99	0.95%	0.95%	$25,000.00
$50,000.00 & Above	1.39%	1.40%	$50,000.00

Annual Percentage Yield (APY) and dividends are accurate as of the last declaration date of Nov. 20, 2024. Rates may change after account opening. Fees may reduce earnings on the account. Minimum deposit of $5.00 to open this account when opening online.

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Investors Plus Money Market

Tier	Dividend Rate	APY	Minimum balance to earn stated APY
$0.01 - $99,999.99	1.49%	1.50%	$0.01
$100,000.00 - $249,999.99	1.73%	1.75%	$100,000.00
$250,000.00 - $499,999.99	1.98%	2.00%	$250,000.00
$500,000.00 - $999,999.99	2.13%	2.15%	$500,000.00
$1,000,000.00 - $2,499,999.99	2.27%	2.30%	$1,000,000.00
$2,500,000.00 & Above	2.42%	2.45%	$2,500,000.00

IRA Savings

Tier	Dividend Rate	APY	Minimum balance to earn stated APY
$9,999.99 & Below	.15%	.15%	$0.01
$10,000.00 & Above	.20%	.20%	$10,000.00

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: Nov. 20, 2024. Rates may change after account opening. Fees may reduce earnings.

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50 Advantage Checking

Tier	Dividend Rate	APY	Minimum balance to earn stated APY
Any Balance	.05%	.05%	$0.01

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: Nov. 20, 2024. Rates may change after account opening. Fees may reduce earnings.

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Premier Checking

Tier	Dividend Rate	APY	Minimum balance to earn stated APY
$.01-1,499.99	.05%	.05%	$0.01
$1,500.00 & Above	.10%	.10%	$1,500.00

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: Nov. 20, 2024. Rates may change after account opening. Fees may reduce earnings. View Checking Options Open an Account

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. View Checking Options Open an Account

Credit Cards

For our credit card options and rates, click here.

Certificates

Regular & IRA

Regular & IRA Certificates – minimum opening deposit of $500.00

Tier	Dividend Rate	APY	Minimum balance to earn stated APY
6 month	3.68%	3.75%	$500.00
9 month	3.59%	3.65%	$500.00
12 month	3.44%	3.50%	$500.00
18 month	3.39%	3.45%	$500.00
24 month	2.96%	3.00%	$500.00
36 month	2.71%	2.75%	$500.00
39 month Jump Up	2.71%	2.75%	$500.00
48 month	2.71%	2.75%	$500.00
60 month	2.71%	2.75%	$500.00

Annual Percentage Yield (APY) and dividends are accurate as of the last declaration date of Nov. 20, 2024. 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.

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Jumbo

Jumbo Certificates – minimum opening deposit of $90,000.00

Tier	Dividend Rate	APY	Minimum balance to earn stated APY
6 month	3.78%	3.85%	$90,000.00
9 month	3.68%	3.75%	$90,000.00
12 month	3.54%	3.60%	$90,000.00
18 month	3.49%	3.55%	$90,000.00
24 month	3.05%	3.10%	$90,000.00
36 month	2.81%	2.85%	$90,000.00
39 month Jump Up	2.81%	2.85%	$90,000.00
48 month	2.81%	2.85%	$90,000.00
60 month	2.81%	2.85%	$90,000.00

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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 Nov. 20, 2024. 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.

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Rates

Loans

Auto

Loan must be secured by a 2021 or newer Auto and under 50,000 miles

Loan must be secured by 2021 or newer Auto

Loan must be secured by a 2018-2020 Auto OR Special Interest Auto

Loan must be secured by a 2015-2017 Auto

Boats & Jet Skis

Motorcycles & ATVs

Campers, Travel Trailers, 5th Wheels, Motor Homes

Loan must be secured by a 2021 or newer camper, travel trailer, 5th wheel or motorhome

Loan must be secured by a 2018 to 2020 camper, travel trailer, 5th wheel or motorhome

Loan must be secured by a 2017 or older camper, travel trailer, 5th wheel or motorhome

Personal Loans (Secured)

Share or Certificate Secured

Personal Loans (Unsecured)

Home Equity Loans

91-100% Financing

81-90% Financing

0-80% Financing

Home Equity Line of Credit

Savings & Checking

Direct Checking

Regular Savings & Rafferty

Certificate and Savings Bundle

Club

Market Rate Savings

Investors Plus Money Market

IRA Savings

50 Advantage Checking

Premier Checking

Totally Free Checking

Credit Cards

Certificates

Regular & IRA

Regular & IRA Certificates – minimum opening deposit of $500.00

Jumbo

Jumbo Certificates – minimum opening deposit of $90,000.00

Add-On

Add-On Certificates – minimum opening deposit of $100.00

Loan must be secured by a 2021 or newer camper, travel trailer, 5^th wheel or motorhome

Loan must be secured by a 2018 to 2020 camper, travel trailer, 5^th wheel or motorhome

Loan must be secured by a 2017 or older camper, travel trailer, 5^th wheel or motorhome