In observance of  Memorial Day, all Centra locations will be closed on Monday, May 29, 2017. Locations will reopen with normal hours on Tuesday, May 30.

Autos, Trucks, Vans, Motorcycles

YearTermAPR* (%)Other Conditions
2016 - 2018Up to 48 months3.74-11.99
Up to 60 months 3.89-12.14
Up to 72 months4.34-8.84(Minimum Amount Financed $10,000)
Up to 84 months5.24-5.84(Minimum Amount Financed $20,000)
2014 - 2015Up to 48 months3.74-12.14
Up to 60 months4.14-12.54
Up to 72 months4.59-9.19(Minimum Amount Financed $10,000)
2011 - 2013Up to 48 months4.58-13.13
Up to 60 months 4.74-13.29
Up to 72 months5.14-9.84(Minimum Amount Financed $10,000)
2010 and olderUp to 36 months6.10-14.80
Up to 48 months6.20-14.90
Up to 60 months6.40-11.20

Boats, Motors, RV’s, Campers, Horse & Utility Trailers (Titled)

YearTermAPR* (%)Other Conditions
2016-2018Up to 60 months6.30-14.00
Up to 84 months7.60-15.30
Up to 120 months8.00-11.70(Minimum Amount Financed $18,000)
Up to 144 months8.30-12.00(Minimum Amount Financed $25,000)
2013 - 2015Up to 60 months6.65-14.35
Up to 84 months8.00-15.70
Up to 120 months8.60-12.30(Minimum amount Financed $18,000)
2012 and olderUp to 60 months7.95-15.65
Up to 84 months8.70-16.40
Up to 120 months9.25-12.95(Minimum amount Financed $18,000)
SECURED LOANSTermAPR* (%)
All Secured Loans48 months9.00

SECOND MORTGAGESTermAPR* (%)
Fixed Rate Equity Loan60 months3.75-4.75
Fixed Rate Equity Loan120 months4.25-5.25
Fixed Rate Equity Loan180 months4.625-5.375
Variable Rate** -
Equity Plus - Home Equity Line of Credit
Prime + 0% (up to 80% LTV) 3.75
Variable Rate** -
Equity Plus - Home Equity Line of Credit
Prime + 1% (80.01% to 90% LTV) 4.75
Variable Rate** -
Equity Plus - Home Equity Line of Credit
Prime + 2% (90.01 to 100% LTV) 5.75
SIGNATURE LOANSTermAPR* (%)
Variable Rate**n/a8.00
Fixed Rate Signature36 months9.50-17.25
Fixed Rate Signature48 months10.25-18.00
Fixed Rate Signature60 months10.50-18.00
CREDIT CARDSMinimum paymentCurrent rate (%)Annual fee
The YOU Card2% of avg balance9.00 - 16.00None
VISA Platinum2% of avg balance9.74 - 15.25None
Secured VISA Platinum2% of avg balance9.74 - 15.25None
PLEDGE LOANSTermAPR* (%)
Share SecuredUp to 120 monthsShare +2% margin
Certificate SecuredBased on maturity rateCertificate rate +2%

Rates effective as of May 6, 2017 and subject to change without notice.

*APR = Annual Percentage Rate
**Variable rates are subject to change; Interest rate index and any applicable margins are defined per loan contract.
We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.