Centra Credit Union

Headquarters

1430 N National Rd, Po Box 789
Columbus, IN 47202
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 3.05% →
1-Year CD 0.60% 3.30% →
2-Year CD 0.75% 3.56% →
5-Year CD 1.10% 3.75% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Centra is an NCUA insured institution located in Columbus, IN. It was founded in 1940 and has approximately $2028.25 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 / State-Chartered
Charter Number # # 68287
Date Established 1940
Assets $2,028.25 million
Loans $1,469.44 million
Deposits $1,754.08 million
Capital $241.05 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 - September 24, 2022

Your Current Location: Washington, WA 98101

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.65% $100,000 $199,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
30 Mo CD
0.70% $10,000 $14,999 Learn More
30 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.80% $100,000 $199,999 Learn More
48 Mo CD
0.85% $10,000 $14,999 Learn More
48 Mo CD
0.90% $100,000 $199,999 Learn More
60 Mo CD
1.05% $10,000 $14,999 Learn More
60 Mo CD
1.10% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 24, 2022

Your Current Location: Washington, WA 98101

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 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
6.564% 6.500% 0.63 $1,668 $1,581 Learn More
PADDIO
NMLS ID: 1907
6.541% 6.375% 0.75 $4,375 $1,560 Learn More
Morty, Inc.
NMLS ID: 1429243
6.055% 5.990% 0.75 $1,758 $1,498 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
6.254% 6.125% 1.00 $3,452 $1,520 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
3.240 %
After Intro: 6.890 %
Intro Period: 6 months
$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



Climate Initiatives

CENTRA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
7.17% 4.75

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 March 31, 2022, Centra had $17,406,005 in non-current loans and $435,763 in owned assets. To cover these potential losses it had $241,049,456 in net worth and $7,680,200 in loans loss reserves. That gives it a Texas Ratio of 7.17%.

Net Worth
Centra U.S. Average
11.88% 12.28%

Centra FCU has a net worth of 11.88% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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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