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Loan Rates
Rates Effective as of: 03-23-2023
80th Anniversary Loan Specials
Loan Special Term APR New Auto Loan 80 Month Loan Special 80 Months As Low As 5.74% Used Auto Loan 80 Month Loan Special 80 Months As Low As 5.99% New Rec Vehicle Loan 80 Month Loan Special 80 Months As Low As 6.99% Used Rec Vehicle Loan 80 Month Loan Special 80 Months As Low As 7.99% APR = Annual Percentage Rate
Rec Vehicles > 8 years add 2.00% to rate
Autos > 8 years add 2.00% to rate
Mileage between 120,000 - 150,000 add .50% to rate
Rates Effective as of: 03-23-2023New Vehicle Loan Rates (Current Model Year & Newer)
Term APR Up to 36 Months As Low As 4.49% 37-48 Months As Low As 4.74% 49-60 Months As Low As 4.99% 61-72 Months As Low As 5.49% 73-84 Months As Low As 5.99% 85-96 Months As Low As 6.24% Up to 120% financing available up to 72 months term. 100% financing on extended terms based on collateral and additional requirements.
APR = Annual Percentage Rate. To apply, view our loans page.
Rates Effective as of: 03-23-2023Used Vehicle Loan Rates
Term APR 0-36 Months As Low As 4.74% 37-48 Months As Low As 4.99% 61-72 Months As Low As 5.74% 73-84 Months As Low As 6.24% 85-96 Months As Low As 6.49% Up to 120% financing available up to 72 months term. 100% financing on extended terms based on collateral and additional requirements.
APR = Annual Percentage Rate.
Vehicles > 8 years add 2.00% to rate
Mileage between 120,000 - 150,000 add .50% to rate
Mileage between 150,001 - 179,999 add 1.00% to rate
Mileage at or over 180,000 add 1.50% to rate
Rates Effective as of: 03-23-2023New Recreational Vehicle Loan Rates
Term APR Up to 36 Months As Low As 5.74% 37-72 Months As Low As 6.49% 73-96 Months As Low As 7.74% 97-144 Months (Minimum $20k) As Low As 8.24% 145-180 Months (Minimum $25k) As Low As 9.74% Up to 120% financing available up to 72 months term. 100% financing on extended terms. 2008 and Newer Loan to Value based on NADA Retail.
Examples: Travel Trailers, Boats, Motor Homes, Recreational Vehicles (including ATV's, Snowmobiles, Motorcycles, Jet Skis)
APR = Annual Percentage Rate. Rates effective as on September 26, 2018
Rates Effective as of: 03-23-2023Used Recreational Vehicle Loan Rates
Term APR Up to 36 Months As Low As 6.74% 37-72 Months As Low As 7.49% 73-96 Months As Low As 8.74% 97-144 Months (Minimum $20k) As Low As 9.24% 145-180 Months (Minimum $25k) As Low As 10.74% Up to 120% financing available up to 72 months term. 100% financing on extended terms. 2008 and Newer Loan to Value based on NADA Retail.
Examples: Travel Trailers, Boats, Motor Homes, Recreational Vehicles (including ATV's, Snowmobiles, Motorcycles, Jet Skis)
APR = Annual Percentage Rate.
Vehicles > 8 years add 2.00% to rate
Rates Effective as of: 03-23-2023Home Equity Rates
Loan Type APR Home Equity Line of Credit As Low As 5.50% Fixed Home Equity As Low As 5.75% APR = Annual Percentage Rate. To apply, view our loans page.
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Account Rates
Rates Effective as of: 03-23-2023
Share Savings Rates
Interest Rate APY Term 0.05% 0.05% N/A Rates Effective as of: 03-23-2023Money Market Account Rates
Minimum Balance Interest Rate APY Term $2,500 - $9,999 0.10% 0.10% N/A $10,000 - $49,999 0.20% 0.20% N/A $50,000 - $99,999 0.35% 0.35% N/A $100,000 and Greater 0.40% 0.40% N/A TRANSACTION LIMITATIONS - during any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to a fee or may be closed.
Rates Effective as of: 03-23-2023Term Share Certificates (CDs) Rates
Term Interest Rate APY Minimum Balance Interest Credited 6 Month 0.35% 0.35% $1,000 Quarterly 1 Year 0.50% 0.50% $1,000 Quarterly 2 Year 0.75% 0.75% $1,000 Semi-Annually 3 Year 1.00% 1.01% $1,000 Semi-Annually 4 Year 1.50% 1.51% $1,000 Semi-Annually 5 Year 1.75% 1.77% $1,000 Semi-Annually Three (3) missed auto transfers will result in the Certificate being transferred to the regular Certificate type of matching term and a lower rate will apply.
RENEWAL POLICY. Unless you otherwise instruct us, your term share account will automatically renew at maturity. You will have a grace period as indicated above after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.
EARLY WITHDRAWAL; PENALTIES. We will impose a penalty if you withdraw any of the funds in your account before the maturity date. The penalty is calculated as a forfeiture of part of the interest that has been or would have been earned on the account and applies whether or not the interest has been earned. The penalty may be deducted from the principal amount of the deposit. The Annual Percentage Yield disclosed for your account is based on an assumption that interest will remain in the account until maturity; a withdrawal will reduce earnings. Exceptions to Early Withdrawal Penalties: We may, at our option, pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: (1) If an account owner dies or is determined to be legally incompetent by a court or other body of competent jurisdiction; (2) If the account is an IRA Account and any portion is paid within seven days after the establishment of the account; (3) If the account is a Keogh Plan, provided that the depositor forfeits an amount at least equal to the simple interest earned on the amount withdrawn; or (4) if the account is an IRA or Keogh Account and the owner attains the age of 59 1/2 or becomes disabled.
MATURITY. Your account will mature as indicated on your account summary or statement.
Rates Effective as of: 03-23-202380th Anniversary CD Special
Term Interest Rate APY Minimum Deposit Interest Credited 11 Month (New money) 3.50% 3.50% $10,000 New Money (funds that are not currently on deposit with Centricity Credit Union) At Maturity CD is renewable to a 12-month CD at future market rates
10-day grace period at time of maturity
Member cannot add to or withdraw from CD for the full term. (Withdrawal will result in the closure of CD along with an early withdrawal penalty.)
Rates Effective as of: 03-23-2023IRA Savings Rates
Minimum Balance APY Term Traditional IRA $50 1.80% N/A Roth IRA $50 1.80% N/A Coverdell IRA $50 1.80% N/A Rates Effective as of: 03-23-2023Club Account Rates
Type Interest Rate APY Christmas Club 0.25% 0.25% Vacation Club 0.05% 0.05% Miscellaneous Club 0.05% 0.05% TRANSACTION LIMITATIONS - For Christmas Club Accounts: The entire balance will be transferred to your share account on or after October 31st and the account will remain open.
Rates
Disclosures
SAVINGS, CHECKING, & MONEY MARKET RATE INFORMATION. The Annual Percentage Yield (APY) reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. The interest rate and Annual Percentage Yield (APY)may change at any time as determined by our Board of Directors. You must provide and maintain minimum opening deposits and/or minimum daily balances in order to earn the APYs stated above, if so indicated.
CERTIFICATE ACCOUNT RATE INFORMATION: The Annual Percentage Yield (APY) reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. The interest rate and Annual Percentage Yield (APY) are fixed and will be in effect for the initial term of the account. The rates for Renewals shall be those rates in effect at the time of renewal. The APY stated is based on the assumption that interest will remain on deposit until maturity; a withdrawal of interest will reduce earnings.
TRANSACTION LIMITATIONS - For Union Accounts: Painters must have signed authorization from the union hall to withdraw.
COMPOUNDING AND CREDITING. The frequency with which interest will be compounded and credited is set forth above. The “Month” begins on the first calendar day of the month and ends on the last calendar day of the month.
MINIMUM BALANCE REQUIREMENTS. Minimum balance requirements may include a minimum opening deposit, the minimum balance that you must maintain in the account to avoid service fees, and the minimum balance that you must maintain each day to earn the stated Annual Percentage Yield for that account.
BALANCE COMPUTATION METHOD. We use the Daily Balance Method to calculate interest on your account. The Daily Balance Method applies a daily periodic rate to the balance in the account each day.
ACCRUAL OF INTEREST. Interest will begin to accrue on the business day that you deposit non-cash items(e.g. Checks)to your account. If you close your account before interest is paid, you will not receive the accrued interest.
