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Quick Links: Checking · Savings · Money Market · Certificates of Deposit · IRA CDs · Loans
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AFFINITY INTEREST CHECKING |
BALANCE |
INTEREST RATE |
APY |
Below $1,000.00 |
0.00% |
0.00% |
$1,000.00 - $24,999.99 |
0.25% |
0.25% |
$25,000.00 and Above |
1.00% |
1.00% |
APY = Annual Percentage Yield. Accounts not meeting
minimum balance will incur a $10.00/month service fee.
Interest rates accurate as of 03/01/2010. |
AFFINITY REWARDS CHECKING |
BALANCE |
INTEREST RATE |
APY |
$0.00 - $4,999.99 |
0.50% |
0.50% |
$5,000.00 - $14,999.99 |
0.75% |
0.75% |
$15,000.00 - $49,999.99 |
1.00% |
1.00% |
$50,000.00 - $99,999.99 |
1.24% |
1.25% |
$100,000.00 and Above |
1.49% |
1.50% |
APY = Annual Percentage Yield. Accounts not meeting a $1,000.00
minimum balance will incur a $25.00/month service fee.
Interest rates accurate as of 03/01/2010.
*Rewards Checking requires an active Direct Deposit and enrollment in e-Statements through our NetTeller Internet Banking service.
Ten (10) free non-Centric Bank ATM uses per statement cycle. Each signature-based debit card purchase earns $0.10 cash back reward.
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AFFINITY GOLDEN CHECKING |
BALANCE |
INTEREST RATE |
APY |
$0.01 and Above |
2.08% |
2.10% |
APY = Annual Percentage Yield.
Interest rates accurate as of 03/01/2010.
*Overdraft Protection available with associated secondary account.
Ten (10) free non-Centric Bank ATM uses per statement cycle.
**Affinity Golden Checking requires an active
Direct Deposit
(including payroll, Social Security, etc.).
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INTEREST BUSINESS CHECKING |
BALANCE |
INTEREST RATE |
APY |
Below $1,000.00 |
0.00% |
0.00% |
$1,000.00 -
$24,999.99 |
0.25% |
0.25% |
$25,000.00
and Above |
1.00% |
1.00% |
APY = Annual Percentage Yield. Interest rates current as of 03/01/2010.
Minimum balance to earn interest is $1,000.00. Accounts not meeting
this
minimum balance will incur a $10.00/month service fee.
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NON-PROFIT BUSINESS CHECKING |
BALANCE |
INTEREST RATE |
APY |
$0.01 - $99,999.99 |
1.00% |
1.00% |
$100,000 - $249,999.99 |
1.39% |
1.40% |
$250,000 and Above |
1.83% |
1.85% |
Must provide copy of non-profit registration at account opening.
APY = Annual Percentage Yield.
Interest rates accurate as of 03/01/2010.
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HEALTH SAVINGS ACCOUNT |
BALANCE |
INTEREST RATE |
APY |
Below $5,000.00 |
0.50% |
0.50% |
$5001.00 - $10,000.00 |
0.75% |
0.75% |
$10,000.00 and Above |
1.00% |
1.00% |
APY = Annual Percentage Yield. Annual service charge may apply to account.
Contact your local branch for details.
Interest rates accurate as of 03/01/2010. |
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STATEMENT SAVINGS |
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Below $25.00 |
0.00% |
0.00% |
$25.00 and Above |
0.50% |
0.50% |
APY = Annual Percentage Yield. Interest rates current as of 03/01/2010.
Minimum balance to earn interest is $25.00. Accounts not meeting
this
minimum balance will incur a $3.00/month service fee.
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AFFINITY MONEY MARKET |
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Below $2,500.00 |
0.00% |
0.00% |
$2,500.00 - $9,999.99 |
0.50% |
0.50% |
$10,000.00 - $49,999.99 |
0.75% |
0.75% |
$50,000.00 - $99,999.99 |
1.24% |
1.25% |
$100,000.00 and Above |
1.49% |
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APY = Annual Percentage Yield. Interest rates current as of 03/01/2010.
Minimum balance to earn interest is $2,500.00. Accounts not meeting
this
minimum balance will incur a $25.00/month service fee.
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INDEXED MONEY MARKET |
BALANCE |
INTEREST RATE |
APY |
Below $25,000.00 |
0.00% |
0.00% |
$25,000.00 - $49,999.99 |
0.25% |
0.25% |
$50,000.00 - $99,999.99 |
0.50% |
0.50% |
$100,000.00 and Above |
0.75% |
0.75% |
APY = Annual Percentage Yield. Interest rates current as of 03/01/2010.
Minimum balance to earn interest is $25,000.00. Accounts not meeting
this
minimum balance will incur a $50.00/month service fee. |
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CD SPECIALS |
TERM |
INTEREST RATE |
APY |
13 MONTHS |
1.49% |
1.50% |
18 MONTHS |
1.74% |
1.75% |
24 MONTHS |
2.23% |
2.25% |
APY = Annual Percentage Yield. Penalty for early withdrawal.
Promotional certificates of $10,000 or larger require a new money deposit
of at least $5,000. Interest rates current as of 03/01/2010.
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CERTIFICATES OF DEPOSIT |
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INTEREST RATE |
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1 MONTH |
0.35% |
0.35% |
3 MONTHS |
0.50% |
0.50% |
6 MONTHS |
0.65% |
0.65% |
9 MONTHS |
0.80% |
0.80% |
12 MONTHS |
0.90% |
0.90% |
18 MONTHS |
1.05% |
1.05% |
24 MONTHS |
1.49% |
1.50% |
30 MONTHS |
1.59% |
1.60% |
36 MONTHS |
2.03% |
2.05% |
48 MONTHS |
2.23% |
2.25% |
60 MONTHS |
2.72% |
2.75% |
APY = Annual Percentage Yield. Penalty for early withdrawal.
$1,000.00 minimum balance. Interest rates current as of 03/01/2010.
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IRA Certificates of Deposit |
IRA CERTIFICATE SPECIALS |
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INTEREST RATE |
APY |
13 MONTHS |
1.49% |
1.50% |
18 MONTHS |
1.74% |
1.75% |
24 MONTHS |
2.23% |
2.25% |
APY = Annual Percentage Yield. Penalty for early withdrawal.
Promotional certificates of $10,000 or larger require a new money deposit
of at least $5,000. Interest rates current as of 03/01/2010.
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IRA CERTIFICATES |
|
INTEREST RATE |
|
12 MONTHS |
0.90% |
0.90% |
18 MONTHS |
1.05% |
1.05% |
24 MONTHS |
1.49% |
1.50% |
36 MONTHS |
2.03% |
2.05% |
48 MONTHS |
2.23% |
2.25% |
60 MONTHS |
2.72% |
2.75% |
APY = Annual Percentage Yield. Penalty for early withdrawal.
$500.00 minimum balance. Interest rates current as of 03/01/2010. |
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HOME EQUITY TERM LOANS |
TERM |
APR |
LOAN-TO-VALUE (LTV) |
UP TO 3 YEARS |
5.99% |
85% |
UP TO 5 YEARS |
5.99% |
85% |
UP TO 10 YEARS |
6.39% |
85% |
UP TO 15 YEARS |
6.79% |
85% |
UP TO 20 YEARS |
6.99% |
85% |
Minimum Loan Amount: $10,000.00 - No Fees!* |
APR = Annual Percentage Rate.
Requires an automatic
payment
from a Centric Bank checking or savings account.
Interest rates are 0.50% higher without automatic payment.
95% LTV available at 0.25% above listed interest rates; special underwriting applies. Interest rates current as of 03/01/2010.
*Fees may apply to Home Equity Loans above $250,000.
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HOME EQUITY LINE OF CREDIT |
INTEREST RATE |
APR |
LOAN-TO-VALUE (LTV) |
WSJ
PRIME - 0.50%* |
4.00% |
85% |
Minimum Line Amount: $10,000.00 - No Fees!** |
APR = Annual Percentage Rate.
10 year interest-only followed
by 10-year amortization.
*Line of Credit has a 4.00% Floor.
90% LTV available at WSJ Prime - 0.25%; 95% LTV available at WSJ Prime + 0.50%.
Special underwriting applies for LTV above 85%.
**Fees may apply to Home Equity Loans above $250,000.
Interest rates current as of 03/01/2010.
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RESIDENTIAL MORTGAGES |
TERM |
POINTS |
INTEREST RATE |
15 YEARS |
0 POINTS |
Please call for
today's fixed
interest rates!
|
15 YEARS |
1 POINT |
20 YEARS |
0 POINTS |
20 YEARS |
1 POINT |
30 YEARS |
0 POINTS |
30 YEARS |
1 POINT |
Our mortgage interest rates change daily. Please contact your local branch for today's interest rates.
Interest rates are subject to change without notice and are determined
by market conditions and/or customer qualifications. Offers subject to change without notice. |
CONSUMER CONSTRUCTION LOANS |
TERM |
INTEREST RATE |
FEES |
6-12 MONTHS |
VARIABLE INTEREST
RATE AT WSJ PRIME (5.00% FLOOR) |
1-POINT FEE STANDARD |
$575 APPLICATION FEE
|
Interest-only Payments During Construction! |
Permanent take-out financing available. $575 required mortgage application fee.
*Interest rate floats at Wall Street Journal Prime Rate; please contact your local branch for the current interest rate.
Offer is subject to individual approval and may change
at any time without notice. |
VEHICLE LOANS |
VEHICLE |
VALUE / AGE |
TERM |
APR |
NEW |
UNDER $30,000 |
UP TO 5 YEARS |
6.29% |
NEW |
ABOVE $30,000 |
6 YEARS |
6.59% |
USED |
UP TO 2 YEARS OLD |
UP TO 5 YEARS |
6.99% |
USED |
3 YEARS OLD |
UP TO 4 YEARS |
7.99% |
USED |
4 TO 5 YEARS OLD |
UP TO 3 YEARS |
9.24% |
APR = Annual Percentage Rate.
Requires an automatic payment
from a Centric Bank account.
Interest rates are 0.50% higher
without automatic payment. Interest rates current as of 03/01/2010.
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PERSONAL LOANS |
TERM |
APY |
UP TO 3 YEARS |
11.99% |
APR = Annual Percentage Rate.
Requires an automatic payment
from a Centric Bank account.
Interest rates are 0.50% higher
without automatic payment. Interest rates current as of 03/01/2010. |
All interest rates are accurate as of listed dates.
Changes may occur at any time and without warning.
Interest rates are updated as soon as possible when changes occur.
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