Home Equity Lines of Credit (HELOC)
- Choose between a fixed or variable rate
- Borrow up to 90% LTV^^
- Competitive rates and fees
- Access funds via VISA® card or checks^
Home Equity Loans
- Fixed rate for the entire term of the loan
- Extended terms available
- Borrow up to 90% LTV2
- No appraisal or title fees2
- No closing costs2
- No prepayment penalties2
^^90% LTV applies only to owner occupied single-family primary residence. Does not apply to non-owner occupied rental, second homes, duplex, multi-family, bridge loans, or temporary financing.
^A fee may apply at foreign ATM locations.
290% LTV and no Fee applies only to owner occupied single-family primary residences. Does not apply to non-owner occupied rental, second homes, duplex, multi-family, bridge loans, or temporary financing.
3No Fee applies only to owner occupied single family primary residences within our normal areas. Does not apply to non-owner occupied rental, second homes, duplex, multi-family, bridge loans, or temporary financing.
**(APR) Annual Percentage Rate. Terms and conditions subject to change without notice. Subject to credit approval.
Rates vary based on loan amount, loan-to-value, and occupancy. Variable rates are based on the Wall Street Journal Prime Rate plus a margin, and are subject to change with the Prime Rate. As of 3/23/2023, Prime Rate was 8.00%. Margins range from .25% to 1.50%. Fixed rate options range from 8.75% APR to 10.00% APR, and are fixed for the term of the loan. Rate will not exceed 17.90% APR. Line of credit term is 10 years for access followed by 10 years for repayment only. Payment of the minimum monthly payment may result in a balloon payment at maturity. Property Insurance required. Terms and conditions subject to change without notice. Subject to credit approval.
If the application is submitted after normal business hours, it may take up to two business days to validate your requested information.
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.
Centier Bank NMLS # 408076