Lending Rates

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Vehicle Loan Rates

Effective as of April 25, 2019
Loan TypeTermAPR* as low asMo. Payment
(per $1000 borrowed)
*APR = Annual Percentage Rate. The loans rates listed above are the lowest available rates. Your actual rate may be higher depending on your credit history and other factors. Monthly payment estimates are based on a the longest loan term shown. 1Auto and Truck loans can be financed up to 100% of the NADA Value. Recreation, Motorcycle, Boats, and Personal Watercrafts can be financed up to 85% of the NADA Value. Maximum allowable repayment term will be based on amount borrowed. 2Auto loan refinancing is only offered on loans currently held with another lender. Some restrictions may apply. Ask for details. Cars and trucks that have a clear title may also be considered for refinance. Loan approval is subject to creditworthiness and other factors. Rates are subject to change at any time. Please contact the credit union to verify the most current rates.
New or Used Car / Truck12-84 Months2.49%$12.99
Refinanced Auto Loan12-84 Months2.49%$12.99
New Recreation Vehicles, Boats, Motorcycles, and Personal Watercrafts11-15 Years7.99%$9.56
Used Recreation Vehicles, Boats, Motorcycles, and Personal Watercrafts11-15 Years8.99%$10.15

MasterCard Credit Card Terms & Rates

Effective as of April 25, 2019
Rates & BenefitsPlatinum Mastercard®Classic Mastercard®Secured Mastercard®
*APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Introductory APR is for the first 6 billing cycles. After that, your rate will convert to the standard rate for your account. Approval for credit cards are based on creditworthiness and ability to repay. Applicants who do not qualify for a Platinum MasterCard may be offered a Classic or Secured MasterCard®.
Regular Annual Percentage Rate* for purchases, cash advances, and balance transfers9.40% APR*As low as 12.50% APR*
17.99 % APR*
Intro APR Rate**1.99% APR* for first 6 billing cyclesNoneNone
Annual FeeNoneNoneNone
Balance Transfer FeeNoneNoneNone
Cash Advance FeeNoneNoneNone
Zero LiabilityNoneNoneNone
Free Extended Warranty
YesYesYes
Free Price ProtectionYesYesYes
Free Identity Theft ProtectionYesYesYes
Disable Lost and Stolen Card via Online or Mobile BankingYesYesYes
Report Lost or Stolen Card via Telephone
410-828-4500
YesYesYes

Personal Loan Rates

Effective as of April 25, 2019
TypeTerm**APR* as low asMo. Payment
(per $1,000 borrowed)
*APR = Annual Percentage Rate. The loans rates listed above are the lowest available rates. Your actual rate may be higher depending on your credit history and other factors. Maximum allowable repayment term will be based on amount borrowed and other factors. Monthly Payment estimates are based on the longest loan term shown. Loan approval is subject to creditworthiness and other factors. Rates are subject to change at any time. Please contact the credit union to verify the most current rates.
Anything LoanUp to 72 months12.90%$20.04
Vacation LoanUp to 72 months12.90%$20.04
Debt ConsolidationUP to 72 months12.90%$20.04
Credit Builder LoanUp to 60 months4.10%$18.47

Home Equity Line of Credit Rates

Effective as of April 25, 2019
Term12 Month Introductory Rate
Fixed APR*
Standard Post Introductory Rate
Variable APR*
Monthly Payment (per $1,000 borrowed)
Up to 80% Loan to Value2.49% APRCurrently 5.25% APR
Prime minus .25%
$8.04
*APR = Annual Percentage Rate. While this page is updated regularly, rates are subject to change. Introductory APR is for 12 months. Monthly payment example above is per $1,000 borrowed, at the post introductory APR with no additional advances or rate increases. Minimum monthly payment equals $100. The standard, post-introductory APR will be a fully indexed, variable rate based on the Prime Rate. Prime Rate is obtained from the Wall Street Journal and is currently 5.50%, in effect since 9/28/18. The minimum standard APR that can apply is 4%, and the maximum APR that can apply is 14%. Your standard rate is variable and may adjust on a semi-annual basis. Subject to credit approval and verification of collateral. Adequate property and flood insurance are required, if applicable. Central will pay all initial closing costs except the home appraisal. If the line is paid off and closed within 24 months of original note date, closing costs must be reimbursed to Central by the borrower. Closing costs vary and generally range around $850 to $1,000 on a $20,000 line of credit.

Savings Rates

Savings Rates

Effective as of April 25, 2019
Account TypeDividend RateAPY*Min Deposit
*APY = Annual Percentage Yield. Fees could reduce the earnings on these accounts. Rates are subject to change at any time. Please contact the credit union to verify the most current rates.
Share Savings0.10%0.100%$5
Club Savings0.10%0.100%$5

Certificate of Deposit Rates

Effective as of April 25, 2019
Term & TypeDividend RateAPY*Min Deposit
*APY = Annual Percentage Yield. Fees could reduce the earnings on these accounts. Rates are subject to change at any time. Please contact the credit union to verify the most current rates.
1 Year0.40%0.401%$500
2 Years0.60%0.602%$500
3 Years0.80%0.803%$500

Money Market Rates

Effective as of April 25, 2019
TierDividend RateAPY*
*APY = Annual Percentage Yield. Fees could reduce the earnings on these accounts. Rates are subject to change at any time. Please contact the credit union to verify the most current rates.
$2,500-9999.99.20%0.200%
$10,000-59,999.990.25%0.250%
$60,000 and over0.30%0.300%