Columbus, IN 47202
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.60% →
1-Year CD 0.70% 1.35% →
2-Year CD 0.90% 1.45% →
5-Year CD 1.25% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Centra is an NCUA insured institution located in Columbus, IN. It was founded in 1940 and has approximately $1529.28 millions in assets.

Who can join?

If you live or work in the following Indiana counties, you are eligible to bank at Centra Credit Union.

Immediate family members of those eligible may also join Centra Credit Union.

List of counties:
Bartholomew, Boone, Brown, Clark, Crawford, Dearborn, Decatur, Floyd, Franklin, Hamilton, Hancock, Harrison, Hendricks, Jackson, Jefferson, Jennings, Johnson, Lawrence, Monroe, Morgan, Ohio, Orange, Perry, Ripley, Rush, Scott, Shelby, Switzerland, Washington, Most of Marion County - includes the following townships: Center, Franklin, Lawrence, Pike, Perry, Warren, Washington and Wayne.

NCUA Insured Yes
Charter Number # # 68287
Date Established 1940
Assets $1,529.28 million
Loans $1,193.07 million
Deposits $1,272.78 million
Capital $204.77 million

Field of Membership Restrictions

Membership in Centra Credit Union is open to those who live or work in Adams, Allen, Bartholomew, Blackford, Boone, Brown, Carroll, Cass, Clark, Clay, Clinton, Crawford, Dearborn, Decatur, Delaware, Fayette, Floyd, Franklin, Grant, Greene, Hamilton, Hancock, Harrison, Hendricks, Henry, Howard, Huntington, Jackson, Jay, Jefferson, Jennings, Johnson, Lawrence, Madison, Miami, Monroe, Montgomery, Morgan, Ohio, Orange, Owen, Parke, Perry, Putnam, Randolph, Ripley, Rush, Scott, Shelby, Sullivan, Switzerland, Tippecanoe, Tipton, Union, Vigo, Wabash, Washington, Wayne, Wells, and White Counties and select townships in Marion County in Indiana or in Bullitt, Henry, Jefferson, Oldham, Shelby, Spencer, and Trimble Counties in Kentucky.

Deposit Rates - June 5, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $5 - Learn More
Money Market
0.20% $1 $9,999 Learn More
Money Market
0.30% $10,000 $24,999 Learn More
Money Market
0.40% $25,000 $49,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $1,000 $99,999 Learn More
3 Mo CD
0.25% $100,000 - Learn More
6 Mo CD
0.40% $1,000 $99,999 Learn More
6 Mo CD
0.45% $100,000 - Learn More
12 Mo CD
0.65% $500 $99,999 Learn More
12 Mo CD
0.70% $100,000 - Learn More
18 Mo CD
0.70% $500 $99,999 Learn More
18 Mo CD
0.75% $100,000 - Learn More
24 Mo CD
0.85% $500 $99,999 Learn More
24 Mo CD
0.90% $100,000 - Learn More
30 Mo CD
0.90% $500 $99,999 Learn More
30 Mo CD
0.95% $100,000 - Learn More
36 Mo CD
0.90% $500 $99,999 Learn More
36 Mo CD
0.95% $100,000 - Learn More
48 Mo CD
1.00% $500 $99,999 Learn More
48 Mo CD
0.95% $100,000 - Learn More
60 Mo CD
1.20% $500 $99,999 Learn More
60 Mo CD
1.25% $100,000 - Learn More
Variable IRA Rates APY MIN MAX
0.10% $1,000 - Learn MoreShow Less
Fixed IRA
0.65% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,000 $9,999 Learn MoreShow Less

Loan Rates - June 5, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CENTRA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.019% 3.000% 0.25 $625 $1,055 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to CENTRA
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Centra branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Centra Locations

Financial Details

Centra Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Centra. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Centra U.S. Average
7.64% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, Centra had $15,969,801 in non-current loans and $332,873 in owned assets. To cover these potential losses it had $204,774,378 in net worth and $8,557,377 in loans loss reserves. That gives it a Texas Ratio of 7.64%.

Net Worth
Centra U.S. Average
13.39% 13.86%

Centra FCU has a net worth of 13.39% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Centra

Branches and Savings

What is Centra?

A federal credit union, registered with the NCUA under certificate #68287.
Learn more about credit unions here.

Is Centra FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Centra?

Please see Field of Membership information above for information on who is eligible to join.

What are Centra's share account and share certificate rates?

Centra's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Centra?

Centra has total capital of $204.77 million. Full information on Centra's financial position is located above.

Who owns Centra?

Credit Unions are owned by their members.

Where are Centra branches located?

See branch locations nearby.

Are Centra ATMs Open 24/7?

Do Centra ATMs accept cash deposits?

Can Centra customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Centra have a mobile app?

Does Centra have mobile deposit?

Does Centra have quick pay?

How can Centra transfer money to other banks or credit unions?

Does Centra report to credit bureaus?

Does Centra use Chexsystems?

Does Centra use Equifax?

What is Centra's toll free phone number?

What is Centra's ACH Routing Number?

What is Centra's SWIFT code?

Where can I find Centra's wire transfer form?

What is the Centra address for deposits?

What Products Does Centra Offer

Does Centra offer mortgages?

Compare mortgage rates here.

Does Centra offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Centra offer auto and RV loans?

Compare auto loan rates here.

Does Centra offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Centra

  • March 14, 2020

    One thing I hate about Centra Credit f****** Union they have no customer service help at all whatsoever. After hours that sucks ass

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