Loans
Auto - New
Loan must be secured by a 2022 or newer Auto and under 50,000 miles
| Approx. Term | APR |
|---|---|
| 24-35 Months | As low as 5.99%* |
| 36-63 Months | As low as 5.99%* |
| 64-75 Months | As low as 6.49%* |
| 76-84 Months | As low as 6.99%* |
Annual Percentage Rate (APR) is accurate as of April 9, 2024. 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. For example, a $35,000 loan for a term of 72 months with a 6.49% APR would have a monthly payment amount of $591.35. All loans subject to approval.
Loan must be secured by 2020 or newer Auto and under 90,000 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%* |
| 76-84 Months | As low as 8.74%* |
Annual Percentage Rate (APR) is accurate as of April 9, 2024. 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. For example, a $20,000 loan for a term of 63 months with an 7.24% APR would have a monthly payment amount of $384.85. All loans subject to approval.
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Auto - Used
Loan must be secured by a 2017-2019 Auto and under 120,000 miles OR 2020 or newer Auto with over 90,000-120,000 miles, or Special Interest Auto
| Approx. Term | APR |
|---|---|
| 24-35 Months | As low as 8.74%* |
| 36-63 Months | As low as 8.74%* |
| 64-75 Months | As low as 9.24%* |
Annual Percentage Rate (APR) is accurate as of April 9, 2024. 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. For example, a $10,000 loan for a term of 63 months with a 8.74% APR secured by a 2017-2019 Auto and under 120,000 miles OR 2020 or newer Auto with over 90,000 – 120,000 miles, or Special Interest Autos would have a monthly payment amount of $199.93. All loans subject to approval.
Loan must be secured by a 2014-2016 Auto regardless of mileage OR any newer Auto with over 120,000 miles
| Approx. Term | APR |
|---|---|
| 24-35 Months | As low as 9.99%* |
| 36-63 Months | As low as 9.99%* |
| 64-75 Months | As low as 10.49%* |
Annual Percentage Rate (APR) is accurate as of April 9, 2024. 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. For example, a $10,000 loan for a term of 63 months with a 9.99% APR secured by a 2014-2016 Auto or any newer Auto with over 120,000 miles would have a monthly payment amount of $206.32. 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. 1, 2024. 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 9.24%* |
| 61-72 Months | As low as 9.74%* |
| 73-84 Months (Motorcycle only) | As low as 10.49%* |
Annual Percentage Rate (APR) is accurate as of Jan. 1, 2024. 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 9.24% APR would have a monthly payment amount of $105.17. All loans subject to approval.
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Campers, Travel Trailers, 5th Wheels, Motor Homes
Loan must be secured by a 2020 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 10.74%* |
| $10,001 to $25,000 | up to 120 months | as low as 10.74%* |
| $25,001 to $50,000 | up to 144 months | as low as 10.24%* |
| $50,001+ | up to 180 months | as low as 9.99%* |
Annual Percentage Rate (APR) is accurate as of March 15, 2024. 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 9.99% APR secured by a 2020 or newer camper, travel trailers, 5th wheel, or motorhome would have a monthly payment amount of $541.33. All loans subject to approval.
Loan must be secured by a 2017 to 2019 camper, travel trailer, 5th wheel or motorhome
| Financed Amount | Approx. Term | APR |
|---|---|---|
| $1,000 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 March 15, 2024. 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 10.49% APR would have a monthly payment amount of $308.50. All loans subject to approval.
Loan must be secured by a 2016 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 11.49%* |
| $10,001 to $25,000 | up to 120 months | as low as 11.49%* |
| $25,001 to $50,000 | up to 144 months | as low as 10.99%* |
| $50,001+ | up to 180 months | as low as 10.74%* |
Annual Percentage Rate (APR) is accurate as of March 15, 2024. 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 11.49% APR would have a monthly payment amount of $194.67. 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. 1, 2024. 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. 1, 2024. 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. Federally insured by NCUA. 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 7.50%* |
| 73-120 Months | As low as 8.00%* |
0-80% Financing
| Term | Fixed APR |
|---|---|
| 48-72 Months | As low as 6.25%* |
| 73-120 Months | As low as 6.75%* |
*Annual Percentage Rate (APR) is accurate as of March 6, 2024. Federally insured by NCUA. All loans are subject to credit approval. Rate may vary based on creditworthiness, loan-to-value ratio, collateral condition and may be higher than rate listed above. To qualify for this rate, you must have $10,000 New Money and an automatic payment. Taxes and insurance premiums not included in payment. Actual payment obligation will be greater. 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 an 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 7.50% APR for 81-90% loan-to-value financing would have a monthly payment amount of $174.03. For example, a $10,000 loan for a term of 72 months with a 6.25% APR for 0-80% loan-to-value financing would have a monthly payment amount of $167.82. 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. Must have a $5 membership share account. Corporate NMLS 490617. Offer valid through June 5, 2024.
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Home Equity Line of Credit
| Term | APR |
|---|---|
| 12 Month Introductory Rate | Variable* as low as 6.25% APR |
| Rate After Introductory Period | Variable* as low as 9.24% APR |
*VARIABLE RATE INFORMATION:The Annual Percentage Rate (APR) is accurate as of March 6, 2024. Eligibility for introductory rate requires automatic payments and must be $10,000 new money minimum. The introductory rate will be in effect for 12 months. Thereafter, rates range from 9.24% to 12.74% 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 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. The cost to unlock each lock option is $100. 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. Must have a $5 membership share account. Offer valid through June 5, 2024.
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