Rates

Loans

Auto - New

Loan must be secured by a 2020 or newer Auto and under 50,000 miles

Approx. Term	APR
24-35 Months	As low as 2.74%*
36-63 Months	As low as 2.74%*
64-75 Months	As low as 3.24%*
76-84 Months	As low as 3.74%*

Annual Percentage Rate (APR) is accurate as of May 16, 2022. 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 and $5,000 New Money. 72 monthly payments of $538.43 for $35,000 borrowed at 3.24%. All loans subject to approval.

Loan must be secured by a 2018 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 Percentage Rate (APR) is accurate as of May 16, 2022. 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 and $5,000 New Money. 63 monthly payments of $353.56 for $20,000 borrowed at 3.99% APR. All loans subject to approval.

Auto - Used

Loan must be secured by a 2015-2017 Auto and under 120,000 miles OR 2018 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 Percentage Rate (APR) is accurate as of May 16, 2022. 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 and $5,000 New Money. 63 monthly payments of $183.90 for $10,000 borrowed at 5.49% APR for loan secured by a 2015-2017 Auto and under 120,000 miles OR 2018 or newer Auto with over 90,000 – 120,000 miles, or Special Interest Autos.

Loan must be secured by a 2012-2014 Auto regardless of mileage OR any newer Auto with over 120,000 miles

Approx. Term	APR
24-35 Months	As low as 6.74%*
36-63 Months	As low as 6.74%*
64-75 Months	As low as 7.24%*

Annual Percentage Rate (APR) is accurate as of May 16, 2022. 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 and $5,000 New Money. 63 monthly payments of $189.96 for $10,000 borrowed at 6.74% APR for loan secured by a 2015-2017 Auto and under 120,000 miles OR 2018 or newer Auto with over 90,000 – 120,000 miles, or Special Interest Autos.

Boats & Jet Skis

Approx. Term	APR
24-180 Months	As low as 6.49%*

Annual Percentage Rate (APR) is accurate as of May 16, 2022. 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 $196.67 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 Percentage Rate (APR) is accurate as of May 16, 2022. 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 $93.54 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 2018 or newer camper, travel trailer, 5th wheel, or motorhome

Financed Amount	Approx. Term	APR
$1,000 to $10,000	24 - 72 months	as low as 5.99%*
$10,001 to $25,000	up to 120 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 Percentage Rate (APR) is accurate as of May 16, 2022. 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 $403.43 for $50,001 borrowed at 5.24% APR for loan secured by a 2018 or newer camper, travel trailers, 5th wheel, or motorhome. All loans subject to approval.

Loan must be secured by a 2015 to 2017 camper, travel trailer, 5th wheel, or motorhome

Financed Amount	Approx. Term	APR
$1,000 to $10,000	24 - 72 months	as low as 6.24%*
$10,001 to $25,000	up to 120 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 Percentage Rate (APR) is accurate as of May 16, 2022. 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 $241.77 for $25,001 borrowed at 5.74% APR. All loans subject to approval.

Loan must be secured by a 2014 or older camper, travel trailer, 5th wheel, or motorhome

Financed Amount	Approx. Term	APR
$1,000 to $10,000	24 - 72 months	as low as 6.74%*
$10,001 to $25,000	up to 120 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 Percentage Rate (APR) is accurate as of May 16, 2022. 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 $170.19 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 4.50%*
61-72 Months	As low as 4.75%*

Annual Percentage Rate (APR) is accurate as of May 16, 2022. 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. 60 monthly payments of $93.59 for $5,001 borrowed at 4.50% APR. All loans subject to approval.

Personal Loans (Unsecured)

Approx. Term	APR
12-24 Months	As low as 7.99%
25-48 Months	As low as 8.24%
49-60 Months	As low as 8.49%
61-72 Months	As low as 8.99%

Annual Percentage Rate (APR) is accurate as of May 16, 2022. 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. This rate includes .25% discount for automatic payment. 24 monthly payments of $113.81 for $2,500 borrowed at 7.99% APR. Inquire at Centris for complete terms and conditions at (800) 334-2328.

Home Equity Loans

91-100% Financing

Term	Fixed APR
48-72 Months	As low as 8.49%*
73-120 Months	As low as 9.49%*

81-90% Financing

Term	Fixed APR
48-72 Months	As low as 5.99%*
73-120 Months	As low as 6.50%*
121-180 Months	As low as 6.50%*

0-80% Financing

Term	Fixed APR
48-72 Months	As low as 4.75%*
73-120 Months	As low as 5.25%*
121-180 Months	As low as 5.25%*

Annual Percentage Rate (APR) is accurate as of May 16, 2022. 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 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. 72 monthly payments of $178.98 for $10,000 borrowed at 8.49% APR for 91-100% financing. 72 monthly payments of $166.51 for $10,000 borrowed at 5.99% APR for 81-90% financing. 72 monthly payments of $160.53 for $10,000 borrowed at 4.75% 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 2.99%
LTV 81-90	Variable* as low as 2.99%
LTV 91-100	Variable* as low as 2.99%

Rate After Introductory Period	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 May 16, 2022 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%. Rates after introductory period above currently reflect the floor rate available for each product. The maximum APR that may apply is 18%. Real estate closing costs/fees vary based on loan amount, location and type of loan. 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%	$0.01

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: March 1, 2022. 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%	$0.01
$1,000.00 & Above	.10%	.10%	$1,000.00

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: March 1, 2022. Rates may change after account opening. Fees may reduce earnings. Minimum Deposit of $5.00 to open this account when opening online.

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
$.0-1,999.99	0.10%	0.10%	$0.01
$2,000.00-9,999.99	0.10%	0.10%	$2,000.00
$10,000.00-24,999.99	0.10%	0.10%	$10,000.00
$25,000.00-49,999.99	0.10%	0.10%	$25,000.00
$50,000.00+	0.15%	0.15%	$50,000.00

Investors Plus Money Market

Tier	Dividend Rate	APY	Minimum balance to earn stated APY
$25,000 - $74,999.99	0.15%	0.15%	$0.01
$75,000.00 - $99,999.00	0.20%	0.20%	$75,000.00
$100,000.00 - $249,999.00	0.20%	0.20%	$100,000.00
$250,000.00 & Above	0.25%	0.25%	$250,000.00

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: March 1, 2022. 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%	$0.01

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date: March 1, 2022. 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	.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: March 1, 2022. 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

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 months	0.15%	0.15%	$500.00
9 months	0.20%	0.20%	$500.00
12 months	0.25%	0.25%	$500.00
18 months	0.35%	0.35%	$500.00
22 months	0.90%	0.90%	$500.00
24 months	0.45%	0.45%	$500.00
36 months	0.55%	0.55%	$500.00
42 months	1.24%	1.25%	$500.00
48 months	0.65%	0.65%	$500.00
60 months	0.70%	0.70%	$500.00

Annual Percentage Yield (APY) and dividends are accurate as of the last declaration date on April 1, 2022. 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	0.25%	0.25%	$90,000.00
9 months	0.30%	0.30%	$90,000.00
12 months	0.35%	0.35%	$90,000.00
18 months	0.45%	0.45%	$90,000.00
22 months	1.00%	1.00%	$90,000.00
24 months	0.55%	0.55%	$90,000.00
36 months	0.65%	0.65%	$90,000.00
42 months	1.34%	1.35%	$90,000.00
48 months	0.75%	0.75%	$90,000.00
60 months	0.80%	0.80%	$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

Annual Percentage Yield (APY) is accurate as of April 1, 2022. 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.