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If you own your home, and are looking for a loan to remodel your house, take your family on vacation, or nearly any other purpose, our Home Equity Line of Credit or Home Equity Loans are right for you! Please contact your local financial center for more information.

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 financial center for details, as rates and/or costs may be
different than those listed.

Interest rates effective 02/13/2012.


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 financial center 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 02/13/2012.

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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