Autos, Trucks, Vans, Motorcycles
| Year | Term | APR¹ (%) | Other Conditions |
| 2018 - 2020 | Up to 48 months | 4.79-11.99 | |
| Up to 60 months | 4.94-12.14 | |
| Up to 72 months | 5.34-8.34 | (Minimum Amount Financed $10,000) |
| Up to 84 months | 6.24-6.74 | (Minimum Amount Financed $20,000) |
| 2016 - 2017 | Up to 48 months | 4.94-12.14 | |
| Up to 60 months | 5.09-12.24 | |
| Up to 72 months | 5.54-8.24 | (Minimum Amount Financed $10,000) |
| 2013 - 2015 | Up to 48 months | 5.09-12.99 | |
| Up to 60 months | 5.29-13.24 | |
| Up to 72 months | 5.74-8.99 | (Minimum Amount Financed $10,000) |
| 2012 and older | Up to 36 months | 5.99-14.74 | |
| Up to 48 months | 6.09-14.84 | |
| Up to 60 months | 6.24-10.99 | |
Boats, Motors, RV’s, Campers, Horse & Utility Trailers (Titled)
| Year | Term | APR¹ (%) | Other Conditions |
| 2018-2020 | Up to 60 months | 6.30-14.00 | |
| Up to 84 months | 7.60-15.30 | |
| Up to 120 months | 8.00-11.70 | (Minimum Amount Financed $18,000) |
| Up to 144 months | 8.30-12.00 | (Minimum Amount Financed $25,000) |
| 2015 - 2017 | Up to 60 months | 6.65-14.35 | |
| Up to 84 months | 8.00-15.70 | |
| Up to 120 months | 8.60-12.30 | (Minimum amount Financed $18,000) |
| 2014 and older | Up to 60 months | 7.95-15.65 | |
| Up to 84 months | 8.70-16.40 | |
| Up to 120 months | 9.25-12.95 | (Minimum amount Financed $18,000) |
| SECURED LOANS | Term | APR¹ (%) |
| All Secured Loans | 48 months | 9.99 |
| SECOND MORTGAGES | Term | APR¹ (%) |
| Fixed Rate Equity Loan | 60 months | 4.25-5.25 |
| Fixed Rate Equity Loan | 120 months | 4.50-5.50 |
| Fixed Rate Equity Loan | 180 months | 4.875-5.625 |
Variable Rate² -
Equity Plus - Home Equity Line of Credit | Prime + 0% (up to 80% LTV) | 5.25³ |
Variable Rate² -
Equity Plus - Home Equity Line of Credit | Prime + 1% (80.01% to 90% LTV) | 6.25³ |
Variable Rate² -
Equity Plus - Home Equity Line of Credit | Prime + 2% (90.01 to 100% LTV) | 7.25³ |
| SIGNATURE LOANS | Term | APR¹ (%) |
| Variable Rate² | n/a | 9.50 |
| Fixed Rate Signature | 36 months | 10.50-18.00 |
| Fixed Rate Signature | 48 months | 11.25-18.00 |
| Fixed Rate Signature | 60 months | 11.50-18.00 |
| CREDIT CARDS | Minimum payment | Current rate (%) | Annual fee |
| The YOU Card² | 2% of avg balance | 10.50 - 17.50 | None |
| VISA Platinum² | 2% of avg balance | 11.24 - 16.50 | None |
| Secured VISA Platinum² | 2% of avg balance | 11.24 - 16.50 | None |
| PLEDGE LOANS | Term | APR¹ (%) |
| Share Secured | Up to 120 months | Share +2% margin |
| Certificate Secured | Based on maturity rate | Certificate rate +2% |
Rates effective as of January 1, 2019 and subject to change without notice.
1 – APR = Annual Percentage Rate
2 – Variable rates are subject to change; Interest rate index and any applicable margins are defined per loan contract.
3 – Offer available on applications taken by December 31, 2018 with loans closed by January 31, 2019. This is subject to change at any time without notice. The introductory promotional 1.49% APR will be in effect for the first 6 months from the time you close the loan. After the first 6 months, the APR will adjust to our standard rate. The APR is based on the Prime Rate (index) plus a margin of Prime Plus 0.00% to 2.00% (currently 5.50% – 7.50%). We will use the most recent index available to us as of 10 business days prior to the month-end before the date of any APR adjustment. The rate is subject to change the first of each month to reflect any change in the index. The maximum APR that can apply is 18.00%; the minimum that can apply is 5.25%, when you choose auto-deduct from a Centra checking account, which will lower the APR by .25%. If you cancel auto-deduct, the effective loan rate will increase by .25%. There is a $50 annual fee, which is waived for the first year. The minimum line amount is $10,000. This offer is only good for new loans to Centra on owner occupied residential properties. Homeowners’ insurance is required. Consult your tax advisor about deductibility of interest. Closing costs will range from $150 to $800. Up to $400 of closing costs will be paid by Centra. If the line is paid off and closed within the first 36 months, closing costs must be repaid. Fixed-term and fixed-rate Home Equity Loans are also available. No annual fee HELOC is also available. Offer subject to change without notice.
All loans are subject to credit approval. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.
