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Rates

Loan Rates

New Vehicle Loan Rates (Current Model Year & Newer)

Rates effective as of: June 16, 2024

Rates based on final LTV (Loan-to-Value) of 75%. The rate will increase for loans with higher LTVs.

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.

Used Vehicle Loan Rates

Rates effective as of: June 16, 2024

Rates based on final LTV (Loan-to-Value) of 75%. The rate will increase for loans with higher LTVs.

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

New Recreational Vehicle Loan Rates

Rates effective as of: June 16, 2024

Rates based on final LTV (Loan-to-Value) of 75%. The rate will increase for loans with higher LTVs.

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.

Used Recreational Vehicle Loan Rates

Rates effective as of: June 16, 2024

Rates based on final LTV (Loan-to-Value) of 75%. The rate will increase for loans with higher LTVs.

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

Account Rates

Share Savings Rates

Rates effective as of: June 16, 2024

Money Market Account Rates

Rates effective as of: June 16, 2024

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.

Term Share Certificates (CDs) Rates

Rates effective as of: June 16, 2024

NEW MONEY = Funds that are not currently on deposit with Centricity Credit Union

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.

IRA Savings Rates (Roth, Traditional, Coverdell, SEP)

Rates effective as of: June 16, 2024

Club Account Rates

Rates effective as of: June 16, 2024

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.

  • 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.