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Loan Rates

Interest Rates on Consumer Loans are as follows. Annual Percentage Rates (APR) are accurate as of May 15th, 2019. Rates are subject to change without notice, but are updated as soon as possible when changes occur.

Home Equity Loans | Home Equity Lines of Credit (HELOC) | Auto Loans | Personal Loans

Home Equity Loans
Term Loan-to-Value (LTV) Annual Percentage Rate (APR) Loan-to-Value (LTV) Annual Percentage Rate (APR)
Up to 3 years 80% 3.49% 85% 3.49%
4 -5 years 80% 3.49% 85% 3.49%
6 - 9 years 80% 3.75% 85% 4.49%
10 years 80% 4.00% 85% 4.99%
11 - 15 years 80% 4.25% 85% 5.74%
16 - 20 years 80% 4.75% 85% 6.24%

Minimum Loan Amount: $10,000.00 - No Fees!*

Interest rates are 0.50% higher without automatic payment from a Centric Bank account. Borrowers seeking higher than 80% LTV or first-lien home equity  should contact Centric Bank 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.

Home Equity Lines of Credit (HELOC)
Term Loan-to-Value (LTV) Annual Percentage Rate (APR)
12 month intro rate 85% 2.64%*

Minimum Loan Amount: $10,000.00 – No Fees!**

*The introductory fixed rate of 2.64% applies to the first twelve billing cycles after closing. Thereafter, the interest rate will convert to a variable rate of Wall Street Journal (WSJ) Prime minus 0.50% with a floor rate of 3.99%. WSJ Prime is 5.50% as of 12.31.2018. Automatic loan payments from a Centric Bank deposit account are required to receive these loan products.  If automatic loan payments are terminated, the interest rate will be increased by 0.50% during the remaining variable rate period. 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 is 85%. Minimum line of credit amount is $10,000. Existing Centric Bank Home Equity Line of Credit 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. Other rates and terms available. Borrowers seeking higher than 85% LTV or first-lien home equity should contact Centric Bank for details, as rates and/or costs may be different than those listed.

Auto Loans
Term Age of Vehicle
  Up To 2 Years 3 to 5 Years Over 5 Years
Up to 3-year term 3.04% 3.19% 4.04%
4- to 5-year term 3.09% 3.24% 4.09%
6-year term (maximum) 3.40% 3.55% (4-year maximum vehicle age for 6-year term)  

Rates shown are Annual Percentage Rates (APR). Interest rates are 0.50% higher without automatic payment from a Centric Bank account. Rates are for up to 80% Loan to Value (LTV). 

Personal Loans
Term Annual Percentage Rate (APR)
Up to 3 years 11.24%

Interest rate is 0.50% higher without automatic payment from a Centric Bank account.