CENTRA

1430 N NATIONAL RD, PO BOX 789
Columbus, IN 47202

Notable Rates APY Vs.Others
Savings 0.15% 2.25% →
1-Year CD 1.25% 2.25% →
2-Year CD 1.35% 2.50% →
5-Year CD 1.75% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

Centra is an NCUA insured institution located in Columbus, IN. It was founded in 1940 and has approximately $1525.45 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 $1,525.45 million
Loans $1,168.18 million
Deposits $1,271.28 million
Capital $201.23 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 - December 15, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.25% $1,000 $4,999 Learn MoreShow Less
Money Market
0.30% $5,000 $14,999 Learn MoreShow Less
Money Market
0.70% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.50% $10,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.75% $25,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.25% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.25% $1,000 $99,999 Learn MoreShow Less
0.75% $1,000 $99,999 Learn MoreShow Less
1.25% $500 $99,999 Learn MoreShow Less
1.30% $500 $99,999 Learn MoreShow Less
1.35% $500 $99,999 Learn MoreShow Less
1.40% $500 $99,999 Learn MoreShow Less
1.45% $500 $99,999 Learn MoreShow Less
1.60% $500 $99,999 Learn MoreShow Less
1.75% $500 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.01% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,000 - Learn MoreShow Less

Loan Rates - December 15, 2019

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.625% 3.625% -0.13 ($222) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$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.



Branches

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:
Seattle,Washington


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
7.22% 5.86

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 June 30, 2019, Centra had $14,707,105 in non-current loans and $425,626 in owned assets. To cover these potential losses it had $201,225,404 in net worth and $8,245,134 in loans loss reserves. That gives it a Texas Ratio of 7.22%.

Net Worth
Centra U.S. Average
13.19% 13.65%

Centra FCU has a net worth of 13.19% versus the BestCashCow average of 13.65. 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 $201.23 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.

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