Loans & Borrowing

The benefits of Central Bank auto loans include:

• Fixed payment amounts

• Competitive rates

• Flexible terms

• Monthly repayment schedule

• Automatic payment – your monthly payment can be deducted from your Central Bank account

• $1,500 minimum loan

• Consumer loan discounts of .50% for auto-deducted payments from Central Bank checking or savings accounts are available on certain consumer loan products. Contact your Central Banker for details.

Using our Platinum Equity Line is easy and convenient. You just write a check or use our credit card. But the rewards you earn every time you use the credit card are what make our Platinum Equity Line so special.

The Rewards Add Up Fast¹

• New customers earn 5,000 bonus points with initial purchase

• Earn one reward point for every dollar spent on eligible purchases (Points do not expire for five years)

• Redeem for gift cards, merchandise, travel and cash back

The Benefits Are Impressive

• Access to your account with checks and Visa^® Platinum Equity Card

• Competitive interest rate

• Up to 89% financing

• Consult tax advisor regarding deductibility of interest

• Minimum credit line of $5,000

CardManager Makes It Easy

With the Platinum Equity Line, you gain access to our online CardManager system at centralbank.com. CardManager allows you to track earned rewards points and manage your spending through viewable transaction history. Plus, you can make payments online, and you can redeem your points easily, too.

• Apply in person or online (Platinum Equity Line can only be applied for online via Internet Explorer)

• Approval based on combination of your income, credit history and equity in your home

• Fixed payment amounts

• Competitive rates and flexible terms

• Secured or unsecured loans

• Monthly repayment schedule

• Automatic payment – your monthly payment can be deducted from your Central Bank account

• $1,500 minimum loan

• Consumer loan discounts of .50% for auto-deducted payments from Central Bank checking or savings accounts are available on certain consumer loan products. Contact your Central Banker for details.

What loan option works for you?² Well, we offer a variety of financing options – and we’ll be happy to walk you through every one of them. Ultimately, it comes down to working with you to find the loan that suits your present situation – and your future needs.

• Conventional Loans (nongovernment loans)

• Jumbo Loans (large-dollar-amount loans)

• Rural Housing Service (RHS) Loans

• Federal Housing Administration (FHA) Loans

• Kentucky Housing Corporation (KHC) Loans

• Veterans Affairs (VA) Loans

• Affordable Housing Loans

Buying a home shouldn’t keep you from reaching your financial goals. To help navigate this fluctuating economy, you need to know what’s happening today and how it could potentially affect your financial future. Here are some resources that can help.

Mortgage Calculator
If you’re going to have a monthly mortgage payment, you’ll need to make sure it works within your budget. Our Financial Calculators can help you find out how much you could be paying on your mortgage within minutes.

• Fixed-rate loans for families or individuals with gross incomes of $56,640 or less

• Special annual percentage rate

• Borrow from $500 to $3,500

Get the money you need to help make higher education happen Student loans from Central Bank in partnership with Sallie Mae® could help!

Whether you’re an undergraduate student, graduate student or parent helping a student pay for school, these flexible loans are designed to meet your needs:

• Competitive variable and fixed interest rates

• No origination fee or prepayment penalty

• Multiple repayment options

Undergraduate

• Smart Option Student Loan® for Undergraduate Students – pay for your bachelor’s, associate’s or certificate expenses at a degree-granting school

Graduate

• Graduate School Loan® – pay for expenses as you pursue your master’s and doctoral degrees

• MBA Loan® – pay for your business school expenses as you pursue your Master of Business Administration degree

• Medical School Loan® – pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports and veterinary medicine

• Dental School Loan® – pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics and prosthodontics

• Graduate School Loan for Health Professions® – pay for your health professions degree expenses in allied health, nursing, pharmacy and other graduate-level health programs

• Law School Loan® – pay for your school and associated expenses as you study for your law degree

Parents

• Parent Loan® – help your student by taking responsibility with a loan in your name

Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for
college. Students and families should evaluate all anticipated monthly loan payments, and how much the student
expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Central Bank is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: This information is for students attending participating
degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate
Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans.
Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States.
Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S.
citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify
identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other
eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending participating degree-granting schools. The
student is not eligible to be a borrower or cosigner. The borrower, cosigner and student must be U.S. citizens or
U.S. permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower,
and cosigner (if applicable) would still be responsible for repaying that amount. Applications are subject to a
requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as
provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current
Principal.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME
WITHOUT NOTICE.

© 2019 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.