Centra Credit Union


Overview / Commentary
800-232-3642
3801 Tupelo Dr PO Box 789
Columbus, IN 47202

Centra Credit Union is headquartered in Columbus and is the 6th largest credit union in the state of Indiana. It is also the 233rd largest credit union in the nation. It was established in 1940 and as of June of 2024, it had grown to 415 employees and 159,926 members at 28 locations. Centra Credit Union's money market rates are 9X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Centra Credit Union is open to those who live or work in the Indiana counties of 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, or White and 8 townships in Marion County, or the Kentucky counties of Bullitt, Henry, Jefferson, Oldham, Shelby, Spencer, or Trimble.
See current membership details

Reviews (1)

Would Not Recommend

Posted by: |

I feel there are many things this company could work on, especially in the customer service aspect. The people who work there are insensitive to their clients and with my experience, I never ended up having my issue/concern resolved.



Health

Health Grade Components

Overall
NCUA #68287
Year Chartered1940
Employees415
Primary Regulator
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD4.67%
Annual Interest Income$54.7MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$2.12B$2.09B
LoansQ2 2024vs Q2 2023$1.65B$1.65B
DepositsQ2 2024vs Q2 2023$1.83B$1.76B
Equity CapitalQ2 2024vs Q2 2023$225.2MM$214.7MM
Loan Loss AllowanceQ2 2024vs Q2 2023$20.4MM$19.4MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$13.4MM$11.3MM
Real Estate OwnedQ2 2024vs Q2 2023$69K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.76%*$0$40kMember Loyalty Account
OTHER TIERS: 4.25% $40k+
2.00%*$15k*-HSA Tiered Checking
OTHER TIERS: 0.75% $0 - $500 | 1.25% $500 - $1k | 1.50% $1k - $5k | 1.75% $5k - $15k
0.15%$1k-IRA Subshare
0.15%$0-Christmas Club
0.15%$0-Business Share Savings
0.15%$0-Business Special Savings
0.15%$0-Business Savings Escrow
0.15%$0-Opportunity Savings
0.15%$0-Membership Saving
0.15%$0-You Choose Savings

Centra Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$3m*$5mBusiness Premium Money Market Savings
OTHER TIERS: 1.65% $7.5k - $50k | 1.70% $50k - $250k | 2.60% $250k - $1m | 3.75% $1m - $3m
4.00%*$3m*-Investors Money Market Savings
OTHER TIERS: 1.60% $0 - $25k | 1.65% $25k - $50k | 1.70% $50k - $250k | 2.10% $250k - $500k | 2.60% $500k - $1000k | 3.75% $1m - $3m

Centra Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$0$1kHigh Interest Checking
OTHER TIERS: 0.25% $5k+ | 1.50% $1k - $5k

Centra Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-8 Month CD Special w/ Checking
4.50%$500-Business 8 Month CD Special w/ Checking
2.25%*$100k*-5 Year Share Certificate
OTHER TIERS: 2.20% $500 - $100k
2.25%*$100k*-Business 5 Year Share Certificate
OTHER TIERS: 2.20% $500 - $100k
2.20%*$100k*-4 Year Share Certificate
OTHER TIERS: 2.15% $500 - $100k
2.20%*$100k*-Business 4 Year Share Certificate
OTHER TIERS: 2.15% $500 - $100k
2.15%*$100k*-3 Year Share Certificate
OTHER TIERS: 2.10% $500 - $100k
2.15%*$100k*-Business 3 Year Share Certificate
OTHER TIERS: 2.10% $500 - $100k
2.05%*$100k*-30 Month Share Certificate
OTHER TIERS: 2.00% $500 - $100k
2.05%*$100k*-Business 30 Month Share Certificate
OTHER TIERS: 2.00% $500 - $100k
2.00%*$100k*-24 Month Share Certificate
OTHER TIERS: 1.95% $500 - $100k
2.00%*$100k*-Business 24 Month Share Certificate
OTHER TIERS: 1.95% $500 - $100k
1.95%*$100k*-18 Month Share Certificate
OTHER TIERS: 1.90% $500 - $100k
1.95%*$100k*-Business 18 Month Share Certificate
OTHER TIERS: 1.90% $500 - $100k
1.85%*$100k*-12 Month Share Certificate
OTHER TIERS: 1.80% $500 - $100k
1.85%*$100k*-Business 12 Month Share Certificate
OTHER TIERS: 1.80% $500 - $100k
1.80%*$100k*-10 Month Share Certificate
OTHER TIERS: 1.75% $500 - $100k
1.80%*$100k*-Business 10 Month Share Certificate
OTHER TIERS: 1.75% $500 - $100k
1.70%*$100k*-6 Month Share Certificate
OTHER TIERS: 1.65% $500 - $100k
1.70%*$100k*-Business 6 Month Share Certificate
OTHER TIERS: 1.65% $500 - $100k
1.45%*$100k*-4 Month Share Certificate
OTHER TIERS: 1.40% $500 - $100k
1.45%*$100k*-Business 4 Month Share Certificate
OTHER TIERS: 1.40% $500 - $100k
1.40%*$100k*-3 Month Share Certificate
OTHER TIERS: 1.35% $500 - $100k
1.40%*$100k*-Business 3 Month Share Certificate
OTHER TIERS: 1.35% $500 - $100k
1.10%*$100k*-7 Day Share Certificate
OTHER TIERS: 1.06% $500 - $100k
1.10%*$100k*-Business 7 Day Share Certificate
OTHER TIERS: 1.06% $500 - $100k

Centra Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-8 Month IRA Special w/ Checking
2.20%$500-5 Year IRA Certificate
2.15%$500-4 Year IRA Certificate
2.10%$500-3 Year IRA Certificate
1.95%$500-2 Year IRA Certificate
1.90%$500-18 Month IRA Certificate
1.80%$500-12 Month IRA Certificate
Locations

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