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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 |
$1,000.00 -
$24,999.99 |
0.20% |
0.20% |
$25,000.00
and Above |
0.40% |
0.40% |
APY = Annual Percentage Yield. Accounts not meeting
minimum balance will incur a $10.00/month service fee.
Interest rates effective 01/27/2012.
$1,000.00 minimum balance required. First deposit due at account opening.
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AFFINITY REWARDS CHECKING |
BALANCE |
INTEREST RATE |
APY |
$0.00 - $4,999.99 |
0.25% |
0.25% |
$5,000.00 - $14,999.99 |
0.35% |
0.35% |
$15,000.00 - $49,999.99 |
0.45% |
0.45% |
$50,000.00 - $99,999.99 |
0.60% |
0.60% |
$100,000.00 and Above |
0.80% |
0.80% |
APY = Annual Percentage Yield. Accounts not meeting a $1,000.00
minimum balance will incur a $25.00/month service fee.
Interest rates effective 01/27/2012.
*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.
$1,000.00 minimum balance required. First deposit due at account opening.
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AFFINITY GOLDEN CHECKING |
BALANCE |
INTEREST RATE |
APY |
$0.01 - 24,999.99 |
1.04% |
1.05% |
$25,000.00 and Above |
1.24% |
1.25% |
APY = Annual Percentage Yield.
Interest rates effective 01/27/2012.
*Overdraft Protection available with associated secondary account.
Ten (10) free non-Centric Bank ATM uses per statement cycle.
**Requires
active Direct Deposit
(payroll, Social Security, etc.).
$25.00 minimum opening deposit required at account opening.
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INTEREST BUSINESS CHECKING |
BALANCE |
INTEREST RATE |
APY |
$1,000.00 -
$24,999.99 |
0.20% |
0.20% |
$25,000.00
and Above |
0.40% |
0.40% |
APY = Annual Percentage Yield. Interest rates effective 01/27/2012.
Minimum balance to earn interest is $1,000.00. Accounts not meeting
this
minimum balance will incur a $10.00/month service fee.
$1,000.00 minimum balance required. First deposit due at account opening.
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NON-PROFIT BUSINESS CHECKING |
BALANCE |
INTEREST RATE |
APY |
$0.01 - $99,999.99 |
0.85% |
0.85% |
$100,000 - $249,999.99 |
1.00% |
1.00% |
$250,000 and Above |
1.24% |
1.25% |
Must provide copy of non-profit registration at account opening.
APY = Annual Percentage Yield.
Interest rates effective 01/27/2012.
$25.00 minimum opening deposit required at account opening.
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IOLTA CHECKING |
BALANCE |
INTEREST RATE |
APY |
NO MINIMUM! |
1.00% |
1.00% |
APY = Annual Percentage Yield. Interest rates effective 01/27/2012.
All interest earnings are disbursed directly to the PA IOLTA Board.
$25.00 minimum opening deposit required at account opening.
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HEALTH SAVINGS ACCOUNT |
BALANCE |
INTEREST RATE |
APY |
$0.01 - $4,999.99 |
0.10% |
0.10% |
$5000.00 - $10,000.00 |
0.25% |
0.25% |
$10,000.00 and Above |
0.45% |
0.45% |
APY = Annual Percentage Yield. Annual service charge may apply to account.
Contact your local branch for details.
Interest rates effective 01/27/2012. |
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STATEMENT SAVINGS |
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|
$25.00 and Above |
0.15% |
0.15% |
APY = Annual Percentage Yield. Interest rates effective 01/27/2012.
Minimum balance to earn interest is $25.00. Accounts not meeting
this
minimum balance will incur a $3.00/month service fee.
$25.00 minimum balance required. First deposit due at account opening.
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AFFINITY MONEY MARKET |
|
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|
$2,500.00 - $9,999.99 |
0.25% |
0.25% |
$10,000.00 - $49,999.99 |
0.40% |
0.40% |
$50,000.00 - $99,999.99 |
0.70% |
0.70% |
$100,000.00 and Above |
0.90% |
|
APY = Annual Percentage Yield. Interest rates effective 01/27/2012.
Minimum balance to earn interest is $2,500.00. Accounts not meeting
this
minimum balance will incur a $25.00/month service fee.
$2,500.00 minimum balance required. First deposit due at account opening.
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BUSINESS MONEY MARKET |
BALANCE |
INTEREST RATE |
APY |
$2,500.00 - $24,999.99 |
0.35% |
0.35% |
$25,000.00 - $99,999.99 |
0.55% |
0.55% |
$100,000.00 - $249,999.99 |
0.75% |
0.75% |
$250,000.00 and Above |
0.95% |
|
APY = Annual Percentage Yield. Interest rates effective 01/27/2012.
Minimum balance to earn interest is $2,500.00. Accounts not meeting
this
minimum balance will incur a $25.00/month service fee.
$2,500.00 minimum balance required. First deposit due at account opening.
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CD SPECIALS |
TERM |
INTEREST RATE |
APY |
13 MONTHS |
0.99% |
1.00% |
18 MONTHS |
1.09% |
1.10% |
24 MONTHS |
1.29% |
1.30% |
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 effective 01/27/2012.
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CERTIFICATES OF DEPOSIT |
|
INTEREST RATE |
|
1 MONTH |
0.10% |
0.10% |
3 MONTHS |
0.15% |
0.15% |
6 MONTHS |
0.20% |
0.20% |
9 MONTHS |
0.30% |
0.30% |
12 MONTHS |
0.40% |
0.40% |
18 MONTHS |
0.50% |
0.50% |
24 MONTHS |
0.65% |
0.65% |
30 MONTHS |
0.70% |
0.70% |
36 MONTHS |
0.95% |
0.95% |
48 MONTHS |
1.39% |
1.40% |
60 MONTHS |
1.83% |
1.85% |
APY = Annual Percentage Yield. Penalty for early withdrawal.
$1,000.00 minimum balance. Interest rates effective 01/27/2012.
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IRA Certificates of Deposit |
IRA CERTIFICATE SPECIALS |
|
INTEREST RATE |
APY |
13 MONTHS |
0.99% |
1.00% |
18 MONTHS |
1.09% |
1.10% |
24 MONTHS |
1.29% |
1.30% |
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 effective 01/27/2012.
|
IRA CERTIFICATES |
|
INTEREST RATE |
|
12 MONTHS |
0.40% |
0.40% |
18 MONTHS |
0.50% |
0.50% |
24 MONTHS |
0.65% |
0.65% |
36 MONTHS |
0.95% |
0.95% |
48 MONTHS |
1.39% |
1.40% |
60 MONTHS |
1.83% |
1.85% |
APY = Annual Percentage Yield. Penalty for early withdrawal.
$1,000.00 minimum balance. Interest rates effective 01/27/2012. |
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HOME EQUITY TERM LOANS |
TERM |
APR |
LOAN-TO-VALUE (LTV) |
UP TO 3 YEARS |
3.49% |
85% |
UP TO 5 YEARS |
3.49% |
85% |
UP TO 7 YEARS |
4.49% |
85% |
UP TO 10 YEARS |
4.99% |
85% |
UP TO 15 YEARS |
6.24% |
85% |
UP TO 20 YEARS |
6.74% |
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.
Borrowers seeking higher than 85% LTV or first-lien home equity
should
contact a local branch for details, as rates and/or costs
may be
different than those listed.
*Closing costs waived with the exception of appraisal fee if an
appraisal is required. Fees are generally in a range of $110 - $500.
Interest rates effective 01/27/2012. |
HOME EQUITY LINE OF CREDIT |
TERM |
APR |
LOAN-TO-VALUE (LTV) |
10 YEARS |
2.69%* |
85% |
Minimum Line Amount: $10,000.00 - No Fees!** |
*Introductory annual percentage rate (APR) is 1.30% under the rate floor of 3.99% until December 31, 2012, after which
will revert to a variable rate at WSJ Prime minus .50% with a rate floor of 3.99%. Introductory rate includes discounts
for automatic debit from a Centric Bank account. Maximum APR is 18%. Ten years interest only line of
credit followed by a ten year amortization.
**Closing costs waived with the exception of appraisal fee if an
appraisal
is required. Fees are generally in a range of $110 - $500. Maximum
LTV 85%. Minimum line amount is
$10,000. Existing Centric Bank HELOC account requires $10,000 increase in existing line to qualify for refinancing.
Property insurance required. All accounts are subject to approval. Consult
your tax advisor regarding the tax
deductibility of interest and charges.
Offer subject to change at any time.
Borrowers seeking higher than 85% LTV or first-lien home equity should
contact a local branch for details, as rates and/or costs may be
different than those listed.
Interest rates effective 01/27/2012.
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RESIDENTIAL MORTGAGES |
CALL FOR DETAILS! |
Mortgage interest rates and costs vary based on each customer's
specific situation and needs. For further details, please contact
our mortgage
specialist, Gale Gallo, at (717) 909-8302.
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CONSUMER CONSTRUCTION LOANS |
TERM |
INTEREST RATE |
FEES |
6-12 MONTHS |
4.50% WITH 20% DOWN |
1-POINT FEE STANDARD |
4.75% WITH 10% DOWN
|
$695 ADMINISTRATIVE FEE |
Interest-only Payments During Construction! |
Permanent take-out financing available. $695 required administrative 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 effective 01/27/2012.
|
PERSONAL LOANS |
TERM |
APR |
UP TO 3 YEARS |
11.24% |
APR = Annual Percentage Rate.
Requires an automatic payment
from a Centric Bank account.
Interest rates are 0.50% higher
without automatic payment. Interest rates effective 01/27/2012. |
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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