Loans
Auto - New
Loan must be secured by a 2015 or newer Auto and under 90,000 miles
| 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%* |
| 76-84 Months | As low as 6.99%* |
Annual Percentage Rate (APR) is accurate as of December 20, 2018. 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 $367.73 for $20,000 borrowed at 5.49% APR All loans subject to approval.
Auto - Used
Loan must be 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
| Approx. Term | APR |
|---|---|
| 24-35 Months | As low as 6.99%* |
| 36-63 Months | As low as 6.99%* |
| 64-75 Months | As low as 7.49%* |
Annual Percentage Rate (APR) is accurate as of December 20, 2018. 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 $191.15 for $10,000 borrowed at 6.99% 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 2009-2011 Auto regardless of mileage OR any newer Auto with over 120,000 miles
| Approx. Term | APR |
|---|---|
| 24-35 Months | As low as 7.24%* |
| 36-63 Months | As low as 7.24%* |
| 64-75 Months | As low as 7.74%* |
Annual Percentage Rate (APR) is accurate as of December 20, 2018. 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 $192.38 for $10,000 borrowed at 7.24% APR. All loans subject to approval.
Boats & Jet Skis
| Approx. Term | APR |
|---|---|
| 24-180 Months | As low as 7.49%* |
Annual Percentage Rate (APR) is accurate as of December 20, 2018. 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 $201.53 for $10,000 borrowed at 7.49% APR All loans subject to approval.
Motorcycles & ATVs
| Approx. Term | APR |
|---|---|
| 24-60 Months | As low as 5.49%* |
| 61-72 Months | As low as 5.99%* |
| 73-84 Months (Motorcycle only) | As low as 6.74%* |
Annual Percentage Rate (APR) is accurate as of December 20, 2018. 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 $95.91 for $5,000 borrowed at 5.49% APR. All loans subject to approval.
Campers, Travel Trailers, 5th Wheels, Motor Homes
Loan must be secured by a 2015 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 6.99%* |
| $25,001 to $50,000 | up to 144 months | as low as 6.49%* |
| $50,001+ | up to 180 months | as low as 6.24%* |
Annual Percentage Rate (APR) is accurate as of December 20, 2018. 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 $430.58 for $50,001 borrowed at 6.24% APR for loan secured by a 2015 or newer camper, travel trailers, 5th wheel, or motorhome. All loans subject to approval. All loans subject to approval.
Loan must be secured by a 2012 to 2014 camper, travel trailer, 5th wheel, or motorhome
| Financed Amount | Approx. Term | APR |
|---|---|---|
| $1,000 to $25,000 | 24 - 72 months | as low as 7.24%* |
| $25,001 to $50,000 | up to 144 months | as low as 6.74%* |
| $50,001+ | up to 180 months | as low as 6.49%* |
Annual Percentage Rate (APR) is accurate as of December 20, 2018. 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. 144 monthly payments of $255.02 for $25,001 borrowed at 6.74% APR. All loans subject to approval.
Loan must be secured by a 2011 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 7.74%* |
| $25,001 to $50,000 | up to 144 months | as low as 7.24%* |
| $50,001+ | up to 180 months | as low as 6.99%* |
Annual Percentage Rate (APR) is accurate as of December 20, 2018. 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. 72 monthly payments of $175.14 for $10,000 borrowed at 7.74% 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 December 20, 2018. 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 December 31, 2018. 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 $114.40 for $2,500 borrowed at 8.49% 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%
| 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 December 20, 2018. 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 $17.77 for $1,000 borrowed at 8.24% APR for 91-100% financing. 72 monthly payments of $16.65 for $1,000 borrowed at 5.99% APR for 81-90% financing. 72 monthly payments of $15.93 for $1,000 borrowed at 4.74% APR for 0-80% financing. All loans subject to approval.
Home Equity Line of Credit
| 6 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% |
| Regular Variable Rates | APR |
|---|---|
| LTV 0-80 | Variable* as low as 5.00% |
| LTV 81-90 | Variable* as low as 6.00% |
| LTV 91-100 | Variable* as low as 7.00% |
*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) is accurate as of July 2, 2018 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
| 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 2, 2018. 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 2, 2018. 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 25, 2019. 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: August 31, 2018. 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: August 31, 2018. 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 2, 2018. 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 2, 2018. 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 2, 2018. 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 2, 2018. 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 Advance Fee | 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 2, 2018. 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
Certificates
Regular & IRA
Regular & IRA Certificates - minimum opening deposit of $500.00
| Term | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| 6 months | 1.44% | 1.45% | $500.00 |
| 9 months | 1.59% | 1.60% | $500.00 |
| 12 months | 1.73% | 1.75% | $500.00 |
| 14 months | 2.71% | 2.75% | $500.00 |
| 18 months | 1.98% | 2.00% | $500.00 |
| 24 months | 2.13% | 2.15% | $500.00 |
| 36 months | 2.27% | 2.30% | $500.00 |
| 40 months | 3.25% | 3.30% | $500.00 |
| 48 months | 2.37% | 2.40% | $500.00 |
| 60 months | 2.47% | 2.50% | $500.00 |
Annual Percentage Yield (APY) and dividends are accurate as of the last declaration date on January 25, 2019. 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
| Term | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| 6 months | 1.54% | 1.55% | $90,000.00 |
| 9 months | 1.69% | 1.70% | $90,000.00 |
| 12 months | 1.83% | 1.85% | $90,000.00 |
| 14 months | 2.81% | 2.85% | $90,000.00 |
| 18 months | 2.08% | 2.10% | $90,000.00 |
| 24 months | 2.23% | 2.25% | $90,000.00 |
| 36 months | 2.37% | 2.40% | $90,000.00 |
| 40 months | 3.35% | 3.41% | $90,000.00 |
| 48 months | 2.47% | 2.50% | $90,000.00 |
| 60 months | 2.57% | 2.60% | $90,000.00 |
Annual Percentage Yield (APY) and dividends are accurate as of the last declaration date on January 25, 2019. 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
| Term | 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 2nd, 2018. 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
| Term | 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 2nd, 2018. 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.
