Centra Credit Union

1430 National Raod
Columbus, IN 47202
(812) 376-9771
www.centra.org

NCUA

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Centra Credit Union is headquartered in Columbus and is the 3^rd largest credit union in the state of Indiana. It is also the 166^th largest credit union in the nation. It was established in 1940 and as of December of 2012, it had grown to 232 employees and 126,291 members. Centra Credit Union has a 5-star health rating.

Centra Credit Union Routing Number: 274972883

Top 4-Year CD and IRA CD Rate at Centra Credit Union in Indiana - 9/20/2010

Centra Credit Union is offering a very competitive 4-year CD and IRA CD with a 3.00% APY. Minimum deposit is $500. The credit union also has a special 13-month CD, but its 1.20% APY isn't competitive. ...

5.75% 7-Month CD at an Indiana CU - and $80 Checking Account Bonus (Centra) - 3/22/2007

Centra Credit Union is having some nice special offers. One is a 5.75% APY 7-month certificate. The minimum deposit is $500 and the maximum is $250K. It's also available for business deposits. There's also a $80 bonus when you open a checking account....

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See Rates for: Checking | Savings | Money Market | CD | IRA

Centra Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$1k	-	Advantage Checking

Centra Credit Union Savings Account Rates

Apy	Min	Max	Product
0.65%	$50k	-	HSA Money Market Savings
0.50%	$50k	-	Classic Plus Shares
0.35%	$15k	-	HSA Tiered Checking
0.12%	$1k	-	IRA Subshare
0.12%	-	-	Share Savings
0.12%	-	-	Christmas Club
0.12%	-	-	Special Shares
0.12%	-	-	Vacation Shares
0.12%	-	-	Business Share Savings
0.12%	$1k	-	Roth IRA Subshare
0.12%	$1k	-	CESA Subshare
0.12%	-	-	Business Special Savings
0.12%	-	-	Business Savings Escrow

Centra Credit Union Money Market Rates

Apy	Min	Max	Product
0.80%	$250k	-	Investors Money Market Savings
0.70%	$500k	$5m	Business Premium Money Market Savings
0.50%	$50k	-	Money Market Savings
0.35%	$50k	-	Premium Money Market Checking

Centra Credit Union CD Rates

Apy	Min	Max	Product
1.60%	$500	-	5 Year Share Certificate Special
1.35%	$500	-	4 Year Share Certificate
1.10%	$500	-	3 Year Share Certificate Special
1.05%	$1k	-	3 Year Medex Share Certificate
1.05%	$5k	-	36 Month Flex Rate Investor Certificate
0.90%	$100k	-	30 Month Share Certificate
0.85%	$500	-	Freedom 18 Month Share Certificate
0.85%	$100k	-	24 Month Share Certificate
0.65%	$100k	-	18 Month Share Certificate
0.65%	$5k	-	13 Month Web Only Investor Certificate
0.55%	$100k	-	12 Month Share Certificate
0.55%	$5k	-	13 Month Investor Certificate Special
0.50%	$5k	-	12 Month Investor Certificate
0.45%	$5k	-	7 Month Investor Certificate Special w/ Relationship
0.35%	$5k	-	10 Month Investor Certificate
0.30%	$100k	-	6 Month Share Certificate
0.30%	$5k	-	6 Month Investor Certificate
0.30%	$5k	-	7 Month Investor Certificate
0.25%	$100k	-	3 Month Share Certificate
0.25%	$5k	-	3 Month Investors Certificate
0.25%	$5k	-	4 Month Investors Certificate
0.20%	$25k	-	7 Day Certificate

Centra Credit Union IRA Rates

Apy	Min	Max	Product
1.60%	$500	-	5 Year IRA Certificate Special
1.60%	$500	-	5 Year Roth IRA Certificate Special
1.60%	$500	-	5 Year CESA Certificate Special
1.35%	$500	-	4 Year IRA Certificate
1.35%	$500	-	4 Year Roth IRA Certificate
1.35%	$500	-	4 Year CESA Certificate
1.10%	$500	-	3 Year IRA Certificate
1.10%	$500	-	3 Year Roth IRA Certificate
1.10%	$500	-	3 Year CESA Certificate
1.05%	$5k	-	36 Month Flex Rate IRA Certificate
1.05%	$5k	-	36 Month Flex Rate Roth IRA Certificate
1.05%	$5k	-	36 Month Flex Rate CESA Certificate
0.80%	$500	-	2 Year IRA Certificate
0.80%	$500	-	2 Year Roth IRA Certificate
0.80%	$500	-	2 Year CESA Certificate
0.65%	$500	-	18 Month IRA Certificate
0.65%	$500	-	18 Month Money Market IRA Certificate
0.65%	$500	-	18 Month Roth IRA Certificate
0.65%	$500	-	18 Month Money Market Roth IRA Certificate
0.65%	$500	-	18 Month CESA Certificate
0.65%	$500	-	18 Month Money Market CESA Certificate
0.55%	$500	-	12 Month IRA Certificate Special
0.55%	$500	-	12 Month Roth IRA Certificate Special
0.55%	$500	-	12 Month CESA Certificate Special

Rates updated: 5/25/2013

Data for Q4 2012

Institution Statistics

CENTRA
NCUA #	68287
BankRate Report	View
Year Chartered	1940
Employees	232
Primary Regulator
Assets and Liabilities
Assets	$1.13 billion
Loans	$593.56 million
Deposits	$966.35 million
Equity Capital	$121.39 million
Loan Loss Allowance	$8.16 million
Unbacked Noncurrent Loans	$5.83 million
Real Estate Owned	$2.00 million
Historic Data - December 2011
Assets	$986.49 million
Equity Capital	$111.59 million
Loan Loss Allowance	$7.20 million
Unbacked Noncurrent Loans	$7.00 million
Real Estate Owned	$3.65 million
Profit Margin - Quarterly
Net Interest Margin	3.71%
Return on Assets	0.85%
Return on Equity	7.93%
Interest Income	$31.69 million
Non-Interest Income	$18.66 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Centra Credit Union had $7.83 million in non-current loans and owned real-estate with $129.55 million in equity and loan loss allowances on hand to cover it. This gives Centra Credit Union a Texas Ratio of 6.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Centra Credit Union decreased slightly from 8.96% as of December 31, 2011 to 6.04% as of December 31, 2012, resulting in a positive change of 32.56%.This indicates that the balance sheet and financial strength for Centra Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Centra Credit Union has increased its total deposits by $131.56 million, resulting in 15.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Centra Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Centra Credit Union has $1.13 billion in assets with $129.55 million in equity, resulting in a capitalization level of 11.45%, which is above average.

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Centra Credit Union

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