Centra Credit Union

1430 National Raod
Columbus, IN 47202
(800) 232-3642
www.centra.org

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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 188^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 225 employees and 123,276 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
0.35%	$50k	-	Premium Money Market Checking
0.10%	$1k	-	Advantage Checking

Centra Credit Union Savings Account Rates

Apy	Min	Max	Product
0.60%	$50k	-	Classic Plus Shares
0.50%	$15k	-	HSA Tiered Checking
0.25%	$1k	-	IRA Subshare
0.15%	-	-	Share Savings
0.15%	-	-	Christmas Club
0.15%	-	-	Special Shares
0.15%	-	-	Vacation Shares
0.15%	-	-	Business Share Savings

Centra Credit Union Money Market Rates

Apy	Min	Max	Product
0.85%	$100k	-	Investors Money Market Savings
0.80%	$50k	-	HSA Money Market Savings
0.80%	$1m	$5m	Business Premium Money Market Savings

Centra Credit Union CD Rates

Apy	Min	Max	Product
2.10%	$100k	-	5 Year CD Special
1.75%	$100k	-	4 Year CD
1.50%	$100k	-	3 Year CD Special
1.40%	$5k	-	36 Month Flex Rate Investors Certificate
1.35%	$1k	-	3 Year Medex CD
1.20%	$100k	-	30 Month CD
1.05%	$100k	-	24 Month CD
1.00%	$500	-	13 Month Web Only CD
0.90%	$500	-	Freedom 18 Month CD
0.90%	$5k	-	13 Month Investors Certificate Special
0.85%	$100k	-	18 Month CD
0.80%	$500	-	12 Month CD
0.80%	$5k	-	12 Month Investors Certificate
0.50%	$5k	-	7 Month Investors Certificate Special w/ Relationship
0.45%	$100k	-	6 Month CD
0.45%	$5k	-	10 Month Investors Certificate
0.40%	$100k	-	3 Month CD
0.40%	$5k	-	6 Month Investors Certificate
0.40%	$5k	-	7 Month Investors Certificate
0.35%	$5k	-	3 Month Investors Certificate
0.35%	$5k	-	4 Month Investors Certificate
0.25%	$25k	-	7 Day CD

Centra Credit Union IRA Rates

Apy	Min	Max	Product
2.10%	$500	-	5 Year IRA Special
2.10%	$500	-	5 Year Roth IRA Special
2.10%	$500	-	5 Year CESA Special
1.75%	$500	-	4 Year IRA
1.75%	$500	-	4 Year Roth IRA
1.75%	$500	-	4 Year CESA
1.40%	$500	-	3 Year IRA
1.40%	$5k	-	36 Month Flex Rate IRA
1.40%	$500	-	3 Year Roth IRA
1.40%	$5k	-	36 Month Flex Rate Roth IRA
1.40%	$500	-	3 Year CESA
1.40%	$5k	-	36 Month Flex Rate CESA
1.05%	$500	-	2 Year IRA
1.05%	$500	-	2 Year Roth IRA
1.05%	$500	-	2 Year CESA
0.85%	$500	-	18 Month IRA
0.85%	$500	-	18 Month Roth IRA
0.85%	$500	-	18 Month CESA
0.80%	$500	-	12 Month IRA Special
0.80%	$500	-	18 Month Money Market IRA Certificate
0.80%	$500	-	12 Month Roth IRA Special
0.80%	$500	-	18 Month Money Market Roth IRA Certificate
0.80%	$500	-	12 Month CESA Special
0.80%	$500	-	18 Month Money Market CESA Certificate

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

CENTRA
NCUA #	68287
BankRate Report	View
Year Chartered	1940
Employees	225
Primary Regulator
Assets and Liabilities
Assets	$986.49 million
Loans	$552.43 million
Deposits	$834.79 million
Equity Capital	$111.59 million
Loan Loss Allowance	$7.20 million
Unbacked Noncurrent Loans	$7.00 million
Real Estate Owned	$3.65 million
Historic Data - December 2010
Assets	$902.31 million
Equity Capital	$103.47 million
Loan Loss Allowance	$7.07 million
Unbacked Noncurrent Loans	$7.02 million
Real Estate Owned	$4.11 million
Profit Margin - Quarterly
Net Interest Margin	3.86%
Return on Assets	0.77%
Return on Equity	6.81%
Interest Income	$32.99 million
Non-Interest Income	$16.70 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, 2011 Centra Credit Union had $10.65 million in non-current loans and owned real-estate with $118.79 million in equity and loan loss allowances on hand to cover it. This gives Centra Credit Union a Texas Ratio of 8.96% which is above average. 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 held steady from 10.06% as of December 31, 2010 to 8.96% as of December 31, 2011, resulting in a positive change of 10.95%.This indicates that the balance sheet and financial strength for Centra Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Centra Credit Union has increased its total deposits by $71.78 million, resulting in 9.41% 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 $986.49 million in assets with $118.79 million in equity, resulting in a capitalization level of 12.04%, which is excellent.