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You want the most from your loan. You’ll find it at Centra Credit Union. Centra offers a variety of loans with competitive interest rates and flexible terms.  
 
Look above to find the best interest rate for your needs. For personal assistance, contact Centra or visit your local Centra office. 

 
Auto - Truck - Van - Motorcycle
YearTermAPR* Range (%)Minimum Amount Financed
2013 - 2015up to 48 months2.74 - 11.35
 up to 60 months2.79 - 11.65
 up to 72 months3.09 - 7.84$10,000
 up to 84 months4.44 - 4.74$15,000
 
2011 - 2012up to 48 months2.75 - 11.75
 up to 60 months2.89 - 12.05
 up to 72 months3.25 - 8.04$10,000
 
2008 - 20010up to 48 months3.63 - 13.05
 up to 60 months 3.83 - 13.30
 up to 72 months 4.03 - 8.64$10,000
 
2007 - Olderup to 36 months5.35 - 13.05
 up to 48 months5.45 - 13.30
 up to 60 months5.65 - 8.64
 
Note: Maximum advance and term are based on underwriting guidelines.
For vehicles over 100,000 miles, we will use the average Blackbook value, the term will be reduced by 12 months with a 2% increase in rate.
 
Auto - Truck - Van - Motorcycle - Balloon Fixed Interest Rate
YearTermAPR* Range (%)Minimum Amount Financed
All Model years36 months3.90$50,000.01
 
Auto - Truck - Van - Motorcycle - Variable Interest Rate
YearTermAPR* Range (%)
All Model yearsup to 60 months3.90**
** The Annual Percentage Rate is based on the Prime Rate (index) plus a margin of 0-1% with a floor rate of 3.90%. We will use the most recent index available to us as of 10 business days prior to month-end before the date of any annual percentage rate adjustment. The rate is subject to change the first day of each month to reflect any change in the index. The maximum Annual Percentage Rate that can apply is 18%. The minimum Annual Percentage Rate that can apply is 3.9%. Any increase in the Annual Percentage Rate will result in more payments of the same amount until what you owe has been repaid. For example, if your loan was for $10,000 at 6% for 5 years and the rate increased to 8% after 1 year, you would have to make 3 additional monthly payments.
 
Watercraft (Boats/Motors/Trailers) - RVs - Campers - Motorhomes - Horse Trailers - Utility Trailers (Titled)
YearTermAPR* Range (%)Minimum Amount Financed
2013 - 2015up to 60 months6.30 - 14.00
 up to 84 months7.60 - 15.30
 up to 120 months8.00 - 11.70$18,000
 up to 144 months8.30 - 12.00$25,000
 
2010 - 2012up to 60 months6.65 - 14.35
 up to 84 months8.00 - 15.70
 up to 120 months8.60 - 12.30$18,000
 
2009 - Olderup to 60 months7.95 - 15.65
 up to 84 months8.70 - 16.40
 up to 120 months9.25 - 12.95$18,000
Note: Maximum advance is based on 100% of Retail Value
 
Mobile Homes (Titled Only)
 TermAPR* (%)
NEW120 monthTBD
USED120 monthTBD
 
Other Secured - UCC Filing Required
 TermAPR* (%)
All non-titled motorcycles/ ATVs - lawn equipment - furniture - fixtures
48 month

9.00
 
Second Mortgage Products
Fixed Interest Rate Equity Loan
TermAPR* (%)
60 month3.75 - 4.75
120 month4.25 - 5.25
180 month4.625 - 5.375
 
Variable Interest Rate Equity Plus Home Equity Line of Credit
Loan to Value (LTV)APR* (%)
Prime + 0 (up to 80% LTV)3.50
Prime + 1 (81% to 90 LTV)4.25
Prime + 2 (91% to 100% LTV)5.25
Prime is defined as the Prime Rate published in the Money Rates column of the Wall Street Journal.

Notes for Fixed and Variable Second Mortgage Products: Minimum Loan Amount $5,000.

First Lien Positions Fixed Rate Equity Loans may only be set up on a 120 month term….No Exceptions.
Non-Owner Occupied - Max LTV 70%. Rate is 1% above Owner-Occupied Rate. Closing Costs Paid by Member. Fixed product only.
 
Signature Loans
 TermAPR* Range (%)
Variable Rate** Signature Advances Prime +4%7.25
Fixed Rate Personal Loan36 month9.50 - 17.25
 48 month10.25 - 18.00
 60 month10.50 - 18.00
Minimum loan amount $500. All rates and terms based on applicant's qualifications.
 
Credit Cards
 Minimum PaymentAPR*Annual Fee
The YOU Card2% of avg balance8.25 - 15.25**NONE
VISA PLATINUM- with Rewards2% of avg balance9.90NONE
VISA PLATINUM - SECURED2% of avg balance9.90NONE
 
Pledge Loans
 TermAPR* (%)
ShareUp to 120 monthsShare Rate + 2% Margin
CertificateBased on Maturity DateCertificate Rate + 2% Margin
 
 
*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.

Rates effective as of April 1, 2014.
 

NCUA
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