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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 07/02/2010. |
AFFINITY REWARDS CHECKING |
BALANCE |
INTEREST RATE |
APY |
$0.00 - $4,999.99 |
0.50% |
0.50% |
$5,000.00 - $14,999.99 |
0.50% |
0.50% |
$15,000.00 - $49,999.99 |
0.75% |
0.75% |
$50,000.00 - $99,999.99 |
1.00% |
1.00% |
$100,000.00 and Above |
1.24% |
1.25% |
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 07/02/2010.
*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 - 24,999.99 |
1.49% |
1.50% |
$25,000.00 and Above |
1.59% |
1.60% |
APY = Annual Percentage Yield.
Interest rates accurate as of 07/02/2010.
*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 07/02/2010.
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 |
1.24% |
1.25% |
$250,000 and Above |
1.54% |
1.55% |
Must provide copy of non-profit registration at account opening.
APY = Annual Percentage Yield.
Interest rates accurate as of 07/02/2010.
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HEALTH SAVINGS ACCOUNT |
BALANCE |
INTEREST RATE |
APY |
Below $5,000.00 |
0.10% |
0.10% |
$5001.00 - $10,000.00 |
0.40% |
0.40% |
$10,000.00 and Above |
0.75% |
0.75% |
APY = Annual Percentage Yield. Annual service charge may apply to account.
Contact your local branch for details.
Interest rates accurate as of 07/02/2010. |
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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 07/02/2010.
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 |
0.60% |
0.60% |
$50,000.00 - $99,999.99 |
0.85% |
0.85% |
$100,000.00 and Above |
1.14% |
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APY = Annual Percentage Yield. Interest rates current as of 07/02/2010.
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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BUSINESS MONEY MARKET |
BALANCE |
INTEREST RATE |
APY |
Below $2,500.00 |
0.00% |
0.00% |
$2,500.00 - $24,999.99 |
0.40% |
0.40% |
$25,000.00 - $99,999.99 |
0.65% |
0.65% |
$100,000.00 - $249,999.99 |
0.90% |
0.90% |
$250,000.00 and Above |
1.00% |
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APY = Annual Percentage Yield. Interest rates current as of 07/02/2010.
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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CD SPECIALS |
TERM |
INTEREST RATE |
APY |
13 MONTHS |
1.49% |
1.50% |
18 MONTHS |
1.64% |
1.65% |
24 MONTHS |
2.03% |
2.05% |
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 07/02/2010.
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CERTIFICATES OF DEPOSIT |
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INTEREST RATE |
|
1 MONTH |
0.35% |
0.35% |
3 MONTHS |
0.40% |
0.40% |
6 MONTHS |
0.50% |
0.50% |
9 MONTHS |
0.70% |
0.70% |
12 MONTHS |
0.80% |
0.80% |
18 MONTHS |
1.00% |
1.00% |
24 MONTHS |
1.39% |
1.40% |
30 MONTHS |
1.49% |
1.50% |
36 MONTHS |
1.98% |
2.00% |
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 07/02/2010.
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IRA Certificates of Deposit |
IRA CERTIFICATE SPECIALS |
|
INTEREST RATE |
APY |
13 MONTHS |
1.49% |
1.50% |
18 MONTHS |
1.64% |
1.65% |
24 MONTHS |
2.13% |
2.15% |
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 07/02/2010.
|
IRA CERTIFICATES |
|
INTEREST RATE |
|
12 MONTHS |
0.80% |
0.80% |
18 MONTHS |
1.00% |
1.00% |
24 MONTHS |
1.39% |
1.40% |
36 MONTHS |
1.98% |
2.00% |
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 07/02/2010. |
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HOME EQUITY TERM LOANS |
TERM |
APR |
LOAN-TO-VALUE (LTV) |
UP TO 3 YEARS |
4.99% |
85% |
UP TO 5 YEARS |
5.75% |
85% |
UP TO 10 YEARS |
6.24% |
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 07/02/2010.
*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%* |
2.75% |
85% |
Minimum Line Amount: $10,000.00 - No Fees!** |
APR = Annual Percentage Rate.
10 year interest-only
followed
by 10-year amortization.
*Adjustable rate at WSJ Prime minus 0.50%;
starting January 1, 2011, a floor of 4.00% will go into effect.
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 07/02/2010.
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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 |
5.75% FIXED RATE |
1-POINT FEE STANDARD |
$575 APPLICATION FEE
|
Interest-only Payments During Construction! |
Permanent take-out financing available. $575 required mortgage application fee.
Offer is subject to individual approval and may change
at any time.
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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 07/02/2010.
|
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 07/02/2010. |
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.
Fees could reduce earning on depository accounts where applicable.
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