Personal Banking / Home Improvement Loans
Home Improvement Loans As
Low As 2.99%* APR
Centier's NO FEE Home Improvement Loans offer you the convenience of a low fixed rate and extended terms to fit your budget. And, as always, Centier's Home Improvement Loans feature NO application fee, appraisal fee, or title fees1.
Offer expires 9/30/2017
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1No Fee applies only to owner occupied single family primary residences located in our normal lending area. Does not apply to non-owner occupied rental, second homes, duplex, multi-family, bridge loans, or temporary financing.
*Terms and conditions subject to change without notice. Subject to credit approval.
**80% LTV on single family, owner occupied, primary residence. Additional terms available for loans under $25,000, LTV’s up to 90%, and for fixed rate equity lines. As of 7/21/17, Prime Rate was 4.25%. Rates vary and are indexed .50% above Wall Street Journal Prime for lines $25,000 to $99,999, and .25% above Wall Street Journal Prime for lines $100,000 and over. APR = annual percentage rate. Maximum APR 17.90%. For example, the monthly payment on a $25,000 line would be 1% of the balance, or $250.98 The monthly payment on a $100,000 line would be 1% of the balance or $1,003.70. Payments do not include amounts for taxes and insurance. Line of Credit term is 10 years for access and payment followed by 10 years for repayment only. Payment of only the minimum monthly payment may result in a balloon payment at maturity. Interest only payment also available. Waiver of $50 annual fee does not apply to balance refinance of existing Centier equity lines unless within 60 days of end of draw period or maturity. ^A fee may apply at foreign ATM locations. Terms and conditions subject to change without notice. Subject to credit approval. Offer expires 9/30/17.
Customer Notice: To assist the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Thank you for your cooperation.
Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act)
The SAFE Act requires Mortgage Loan Originators (MLOs) employed by federally insured depository institutions to register with the Nationwide Mortgage Licensing System and Registry (the Registry) and to maintain and renew their registration in that system annually. Click on the link below to view Centier employees registered with the Nationwide Mortgage Licensing System and Registry.