Centra Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.55% | 4-year CD | 4 Year Share Certificate |
| 1.50% | 4-year IRA | 4 Year IRA (Traditional, Roth, CESA) 1.16% - National Average |
| 4.00% | Reward Checking | High Interest Checking 1.75% - National Average |
Centra Credit Union is headquartered in Columbus and is the 3rd largest credit union in the state of Indiana. It is also the 178th largest credit union in the nation. It was established in 1940 and as of June of 2016, it had grown to 254 employees and 135,407 members at 25 locations. Centra Credit Union's money market rates are 48% higher than the national average, and it boasts an A+ health rating.
Field of Membership Restrictions
Centra CU is open to the residents and the people that maintain employment within the site listed counties located in Kentucky and Illinois. The full list of qualified locations can be reviewed on the Centra Credit Union website for determining your membership eligibility status.
See current membership details
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Great Credit Union!
Centra credit union is a great place to do business. They have trustworthy workers, and they work hard to make their clients happy. Their customer service is second to none. Their fees are competitive and they do not gouge you for more money. No complaints here.
Friendly local credit union
Over the past decade banking with this credit union they have always been polite and service oriented. The facilities are clean, organized and well staffed so that there are not long lines.
The car loan rates are competitive as are the home equity loan rates. Additionally they offer HSA accounts and CDs. The 'free checking' account is genuinely free, with no charges (except overdraft, if your associated savings account doesn't have sufficient funds). Check them out it is worth your time.
Centra Credit Union
I have been a member of Centra Credit Union for over eight years. Overall, this is an average bank. While their customer service at the Edinburgh branch is great, their main branch's service leaves much to be desired. They are also very quick to act if your debit card as been compromised. One of my biggest complaints about this bank is that it's their policy to charge $0.50 to transfer money from savings to checking accounts when the checking account has been overdrawn. When I first opened my accounts, the bank did not charge anything to transfer between connected accounts. Centra also does not have a feature on it's iPhone app to let you know if you've overdrawn your account. I would be much happier with my mobile experience if this feature was added seeing as a $26.00 fee is charged if you overdraw your account.
Run From Centra Credit Union
Centra is an example of why people keep their money in mattresses. Never again will I use this bank.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 68287 |
| Year Chartered | 1940 |
| Employees | 254 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.04% |
| Return on Equity - YTD | 8.57% |
| Annual Interest Income | $17.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $1.33B$1.27B |
| Loans | Q2 2016vs Q2 2015 | $862.9MM$763.6MM |
| Deposits | Q2 2016vs Q2 2015 | $1.14B$1.08B |
| Equity Capital | Q2 2016vs Q2 2015 | $161.4MM$147.3MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $8.8MM$8.0MM |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $2.2MM$2.5MM |
| Real Estate Owned | Q2 2016vs Q2 2015 | $26.00K$578.00K |
Always verify rates and promotions with the bank or credit union. We are not Centra Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Centra Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.55%* | $50k* | - | HSA Money Market Savings | ||
| OTHER TIERS: 0.12% → $2,500 - $5k | 0.15% → $5k - $10k | 0.20% → $10k - $25k | 0.45% → $25k - $50k | |||||
| 0.40%* | $50k* | - | Classic Plus Shares | ||
| OTHER TIERS: 0.12% → Up to $1k | 0.20% → $1k - $5k | 0.25% → $5k - $15k | 0.30% → $15k - $50k | |||||
| 0.30%* | $15k* | - | HSA Tiered Checking | ||
| OTHER TIERS: 0.05% → $500 - $1k | 0.10% → $1k - $5k | 0.15% → $5k - $15k | |||||
| 0.12% | $1k | - | IRA Subshare | ||
| 0.12% | - | - | Regular Shares | ||
| 0.12% | - | - | Christmas Club | ||
| 0.12% | - | - | Special Shares | ||
| 0.12% | - | - | Vacation Shares | ||
Centra Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.65%* | $100k* | - | Investors Money Market Savings | ||
| OTHER TIERS: 0.05% → Up to $10k | 0.12% → $10k - $25k | 0.45% → $25k - $50k | 0.55% → $50k - $100k | |||||
| 0.40%* | $50k* | - | Money Market Savings | ||
| OTHER TIERS: 0.12% → Up to $1k | 0.20% → $1k - $5k | 0.25% → $5k - $15k | 0.30% → $15k - $50k | |||||
| 0.35%* | $50k* | - | Premium Money Market Checking | ||
| OTHER TIERS: 0.10% → $1k - $10k | 0.12% → $10k - $25k | 0.20% → $25k - $50k | |||||
Centra Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 4.00%* | - | $1k | High Interest Checking | ||
| OTHER TIERS: 0.20% → $5k+ | 2.00% → $1k - $5k | |||||
| 0.10% | $1k | - | Advantage Checking | ||
Centra Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.10%* | $100k* | - | 5 Year Share Certificate | ||
| OTHER TIERS: 2.05% → $500 - $100k | |||||
| 1.65% | $5k | - | 60 Month Raise Your Rate CD Special | ||
| 1.55%* | $100k* | - | 4 Year Share Certificate | ||
| OTHER TIERS: 1.50% → $500 - $100k | |||||
| 1.15%* | $100k* | - | 3 Year Share Certificate | ||
| OTHER TIERS: 1.10% → $500 - $100k | |||||
| 0.95% | $1k | - | 3 Year Medex Share Certificate | ||
| 0.90%* | $100k* | - | 30 Month Share Certificate | ||
| OTHER TIERS: 0.85% → $500 - $100k | |||||
| 0.90% | $5k | - | 36 Month Raise Your Rate CD Special | ||
| 0.85%* | $100k* | - | 24 Month Share Certificate | ||
| OTHER TIERS: 0.80% → $500 - $100k | |||||
| 0.75% | $5k | - | 7 Month Investor Certificate w/ Relationship - Special | ||
| 0.75% | $500 | - | 18 Month Share Certificate | ||
| 0.70% | $5k | - | 13 Month Certificate - Web Only | ||
| 0.65% | $500 | - | 18 Month Freedom Share Certificate | ||
| 0.55%* | $100k* | - | 12 Month Share Certificate | ||
| OTHER TIERS: 0.50% → $500 - $100k | |||||
| 0.55% | $5k | - | 13 Month Investor Certificate | ||
| 0.50% | $5k | - | 10 Month Investor Certificate | ||
| 0.50% | $5k | - | 12 Month Investor Certificate | ||
| 0.30%* | $100k* | - | 6 Month Share Certificate | ||
| OTHER TIERS: 0.25% → $1k - $100k | |||||
| 0.30% | $5k | - | 6 Month Investor Certificate | ||
| 0.30% | $5k | - | 7 Month Investor Certificate | ||
| 0.25%* | $100k* | - | 3 Month Share Certificate | ||
| OTHER TIERS: 0.20% → $1k - $100k | |||||
| 0.25% | $5k | - | 3 Month Investors Certificate | ||
| 0.25% | $5k | - | 4 Month Investors Certificate | ||
| 0.20% | $25k | - | 7 Day Investors Certificate | ||
Centra Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.05% | $500 | - | 5 Year IRA Certificate | |
| 1.65% | $5k | - | 60 Month Raise Your Rate IRA Special | |
| 1.50% | $500 | - | 4 Year IRA | |
| 1.10% | $500 | - | 3 Year IRA Certificate | |
| 0.90% | $5k | - | 36 Month Raise Your Rate IRA Special | |
| 0.80% | $500 | - | 2 Year IRA Certificate | |
| 0.75% | $500 | - | 18 Month IRA Certificate | |
| 0.65% | $500 | - | 18 Month Money Market IRA Certificate | |
| 0.55% | $500 | - | 12 Month IRA Certificate |
Centra Credit Union has 25 locations. Click to view all Centra Credit Union locations.