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Centra Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Overview / Commentary
www.centra.org
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 230th largest credit union in the nation. It was established in 1940 and as of September of 2024, it had grown to 414 employees and 154,408 members at 29 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

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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.

1


Health
A

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68287
Year Chartered1940
Employees414
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD4.38%
Annual Interest Income$82.7MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$2.14B$2.06B
LoansQ3 2024vs Q3 2023$1.63B$1.63B
DepositsQ3 2024vs Q3 2023$1.87B$1.75B
Equity CapitalQ3 2024vs Q3 2023$235.4MM$208.3MM
Loan Loss AllowanceQ3 2024vs Q3 2023$20.1MM$18.7MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$14.4MM$10.4MM
Real Estate OwnedQ3 2024vs Q3 2023$183K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Rates
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* 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
4.50%*$0$40kMember Loyalty Account
OTHER TIERS: 4.00% → $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
0.10%$1k-IRA Subshare
0.10%$0-Christmas Club
0.10%$0-Business Share Savings
0.10%$0-Business Special Savings
0.10%$0-Business Savings Escrow
0.10%$0-Opportunity Savings
0.10%$0-Membership Saving
0.10%$0-You Choose Savings

Centra Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%*$3m*$5mBusiness Premium Money Market Savings
OTHER TIERS: 1.50% → $7.5k - $50k | 1.55% → $50k - $250k | 2.50% → $250k - $1m | 3.60% → $1m - $3m
3.80%*$3m*-High Interest Money Market Savings
OTHER TIERS: 1.45% → $0 - $25k | 1.50% → $25k - $50k | 1.55% → $50k - $250k | 2.00% → $250k - $500k | 2.50% → $500k - $1m | 3.60% → $1m - $3m

Centra Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%*$0$1kHigh Interest Checking
OTHER TIERS: 0.15% → $5k+ | 1.25% → $1k - $5k

Centra Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.30%$500-8 Month CD Special w/ Checking
4.30%$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
1.10%*$100k*-4 Month Share Certificate
OTHER TIERS: 1.06% → $500 - $100k
1.10%*$100k*-Business 4 Month Share Certificate
OTHER TIERS: 1.06% → $500 - $100k
1.00%*$100k*-3 Month Share Certificate
OTHER TIERS: 0.95% → $500 - $100k
1.00%*$100k*-Business 3 Month Share Certificate
OTHER TIERS: 0.95% → $500 - $100k
0.95%*$100k*-7 Day Share Certificate
OTHER TIERS: 0.90% → $500 - $100k
0.95%*$100k*-Business 7 Day Share Certificate
OTHER TIERS: 0.90% → $500 - $100k

Centra Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.30%$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
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