Rates effective as of 1/3/2017
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New Auto/Truck
Term APR*
12 months 2.99%
24 months 2.99%
36 months 3.25%
48 months 3.25%
60 months 3.50%
72 months 3.75%
Auto must never have been titled to qualify for new rate financing.
 
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Used Auto/Truck
Model Years: 2015-2016
Term APR*
12 months 2.99%
24 months 2.99%
36 months 3.25%
48 months 3.25%
60 months 3.50%
72 months 3.75%
Model Years: 2012-2014
Term APR*
12 months 3.49%
24 months 3.49%
36 months 3.75%
48 months 3.75%
60 months 4.00%
72 months 4.25%
Model Years: 2010-2011
Term APR*
12 months 3.99%
24 months 3.99%
36 months 4.25%
48 months 4.25%
60 months 4.50%
 
 
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Personal & Unsecured Loans
Term APR*
12 months 7.50%
18 months 7.60%
24 months 7.70%


*APR is Annual Percentage Rate; your rate is determined by how long you finance your loan as well as your credit history. The rates quoted are the lowest possible rate offered and include an AFT from a Centrue Bank deposit account. Rates are subject to change without notice. Some restrictions may apply. Ask a Centrue Bank representative for details regarding your specific situation.



Mortgage Rates


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Home Equity Loan - No Closing Costs
  APR
10 Year Loan As low as 3.75% Years 1-3
As low as 4.75% Years 4-10
APR is Annual Percentage Rate. Rates are for first lien position on home equity loans of $25,000 or more. An automatic payment from a Centrue Bank deposit account is required for the life of the loan. For years 1-3, a $25,000 loan at 3.75% has a monthly payment of $250.16. For the remaining 7 years at 4.75%, payments would be $258.70. This payment example does not include any real estate taxes or homeowners insurance; your total monthly obligation will be greater.
 
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Home Equity Line of Credit (HELOC) - No Closing Costs
  APR
HELOC Special (Prime Minus .25% for 12 months) 3.50%
Standard HELOC (Prime Plus .25% for 12 months) 4.00%
APR is Annual Percentage Rate. Home Equity Rates are tied to the Wall Street Journal Prime Rate (WSJP) currently at 3.75%. Maximum APR is 15%. Annual fee of $50 waived the first year. You must carry insurance on the property that secures the plan.
For the HELOC Special, rates are fixed at 3.50% for the first 12 months then adjust monthly tied to the WSJP plus .25% for the remaining term. APR based on A Tier credit (credit score 700 and above) with a minimum loan amount of $20,000 and an automatic funds transfer from a Centrue Bank Account.
For a standard HELOC, rates are WSJP plus .25% adjusting monthly. APR based on "A" Tier credit (credit score 700 and above); WSJP plus .50% for “B” tier credit (credit score 660-699); WSJP plus 1.50% for “C” tier credit (credit score 620-659) with a minimum loan amount of $10,000.