A little breathing room before fall
A personal loan for the exciting, the unexpected, and everything in between. Borrow $500 to $2,500, then stack up to 2.50% off your rate just for banking with us.
your rate when you stack every relationship discount. Build yours below and see how low you can go.
- Direct Deposit
- Checking
- Auto Pay
- Debit Card
Select the relationships you have — or want
Each one lowers your rate. This is an estimator, not part of the application — a Centricity loan officer follows up to set up anything you don’t have yet.
0.00% of the 2.50% maximum discount.
Get startedYour starting rate is set by standard risk-based pricing and depends on your credit. That starting rate — before any relationship discounts — is the rate you apply for and see throughout the application and funding process. Selecting a relationship here does not add it to your application; a Centricity loan officer will follow up to set up the products you want.
Three steps to a lower rate
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Apply in about 5 minutes
Apply right from your phone or computer. Tell us how much you need, anywhere from $500 to $2,500, and pick a term up to 25 months.
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Get your rate
Standard risk-based pricing sets your starting rate, based on your credit. That starting rate, before any relationship discounts, is the rate you’ll see through the application and funding process.
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Lower it with relationships
Auto pay, direct deposit, checking, and a debit card each cut your rate, up to 2.50% off. A loan officer sets up anything you don’t have yet, and we review qualifying relationships about 30 days after funding.
Four ways to lower your rate
Each relationship you have with Centricity, or add during the loan process, cuts your rate. Together they add up to the full 2.50% off.
Direct Deposit
Have your paycheck deposited with Centricity.
Checking Account
Open or keep a Centricity checking (share draft) account.
Auto Pay
Set up automatic loan payments from a Centricity account.
Debit Card
Use a Centricity debit card.
Maximum total discount is 2.50%. Discounts may be based on existing relationships or products set up during the loan process — a Centricity loan officer handles that with you, so there is nothing extra to select inside the application.
What to know before you apply
A straightforward small-dollar loan for members, with relationship discounts that reward banking with us.
- Loan amount
- $500 – $2,500
- Term
- Up to 25 months
- Pricing
- Standard risk-based, up to 2.50% off
- Availability
- All eligible members · Sept 1–30, 2026
- The rate you see
- You apply for and see your starting rate — before any relationship discounts — throughout the application and funding process.
- Discount verification
- Qualifying relationships are reviewed about 30 days after funding. If the requirements aren’t met, the related discount is removed and the rate is adjusted accordingly.
Good to know
Who can apply?
The End of Summer Loan Special is available to all eligible members. If you’re not a member yet, you can join and apply. Membership is open to anyone who lives, works, worships, or attends school in the region.
How do the relationship discounts work?
Each qualifying relationship lowers your rate: Direct Deposit and a Checking account are 1.00% each, and Auto Pay and a Debit Card are 0.25% each. Stack all four for the full 2.50% off. Throughout the application and funding process you’ll see your starting rate — the rate before any discounts are applied. Discounts may be based on relationships you already have or products set up during the loan process.
Do I need the relationships before I apply?
No. You won’t select these products inside the application itself — a Centricity loan officer will follow up to set up anything you don’t already have. We review qualifying relationships about 30 days after funding.
What if I don’t keep the relationship?
About 30 days after funding we review the qualifying relationships. If the requirements aren’t met, the related discount is removed and your rate is adjusted accordingly.
How much can I borrow, and for how long?
This special is for unsecured loans from $500 to $2,500, with terms up to 25 months.
How do I apply?
Apply online in about 5 minutes, or stop by any Centricity branch and a friendly loan officer will walk you through it.
When does the special end?
The End of Summer Loan Special runs September 1 through September 30, 2026.
Let’s make the end of summer
a little more personal
Borrow what you need, stack your discounts for up to 2.50% off, and you’re set.
Apply online in about 5 minutes, or stop by any Centricity branch.
End of Summer Loan Special available September 1–30, 2026. Unsecured loans from $500 to $2,500, terms up to 25 months. Standard risk-based pricing applies; your rate depends on creditworthiness. The rate shown during the application and funding process is your starting rate, before relationship discounts. Relationship discounts (Direct Deposit 1.00%, Checking (Share Draft) 1.00%, Auto Pay 0.25%, Debit Card 0.25%) total a maximum of 2.50% off and may be based on existing relationships or products set up during the loan process. Qualifying relationships are reviewed approximately 30 days after funding; if the requirements are not met, the related discount is removed and the rate adjusted accordingly. Membership required. All loans subject to approval. Rates and terms subject to change.