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Loan Rates

Interest Rates on Consumer Loans are as follows. Annual Percentage Rates (APR) are accurate as of May 10, 2017. Rates are subject to change without notice, but are updated as soon as possible when changes occur.

Home Equity Loans
Term Annual Percentage
Rate (APR)
Loan-to-Value
(LTV)
Annual Percentage
Rate (APR)
Loan-to-Value (LTV)
Up to 3 years 3.49% 80% 3.49% 85%
4 -5 years 3.49% 80% 3.49% 85%
6 - 7 years 3.99% 80% 4.49% 85%
8 - 10 years 4.49% 80% 4.99% 85%
11 - 15 years 5.24% 80% 6.24% 85%
16 - 20 years 5.74% 80% 6.74% 85%

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
Term Annual Percentage Rate (APR) Loan-to-Value (LTV)
10-Year Draw Period; 10-Year Repayment 2.54%* 85%
10-Year Draw Period; 10-Year Repayment 2.64%** 85%

Minimum Loan Amount: $15,000.00 – No Fees!***

*The introductory rate of 2.54% applies to the first six billing cycles after closing. **The introductory rate of 2.64% applies to the first twelve billing cycles after closing. Thereafter, the rate will revert to a variable rate at Wall Street Journal (WSJ) Prime minus 0.50% with a rate floor of 3.99%. WSJ Prime is 4.00% as of 05.10.2017. 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 is 85%. Minimum line of credit amount is $15,000. Existing Centric Bank Home Equity Line of Credit account requires $15,000 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
  Age of Vehicle
Term Less Than 2 Years 3 to 5 Years More Than 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.

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

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