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Online Banking & Bill Pay
Review your accounts, make
bill payments, download your statements and more for free!
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24-Hour Telephone Banking
Check account balances,
transfer funds, and more:
available 24-hours a day!
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Deposit and Loan Specials
Make your money work better
with our current special offers.
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Investments and
Wealth Management
We offer free consultations with a fully-licensed financial advisor!
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Lifelock Identity Protection
Keep your personal information safe and secure with Lifelock!
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Make the Smart Switch!
Become a new Centric Bank
customer in four easy
steps.
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At Centric Bank, we strive to offer competitive deposit and loan specials to suit all of your financial needs. From certificates of deposit to construction loans, we work hard to make sure you get the most for your money.
Check back often for more special offers!
Certificate of Deposit Specials |
CERTIFICATES OF DEPOSIT & IRA CERTIFICATES |
BALANCE |
INTEREST RATE |
APY |
13 MONTHS |
1.49% |
1.50% |
18 MONTHS |
1.64% |
1.65% |
24 MONTHS |
2.03% |
2.05% |
13 MONTHS IRA CD |
1.49% |
1.50% |
18 MONTHS IRA CD |
1.64% |
1.65% |
24 MONTHS IRA CD |
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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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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CONSUMER CONSTRUCTION LOANS |
TERM |
INTEREST RATE |
FEES |
6-12 MONTHS |
5.75% FIXED RATE |
1-POINT FEE STANDARD |
$575 APPLICATION FEE
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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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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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