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Centra Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 7th largest credit union in the state of Indiana. It is also the 231st largest credit union in the nation. It was established in 1940 and as of March of 2025, it had grown to 418 employees and 152,655 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

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 Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68287
Year Chartered1940
Employees418
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD5.38%
Annual Interest Income$28.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.22B$2.2B
LoansQ1 2025vs Q1 2024$1.63B$1.65B
DepositsQ1 2025vs Q1 2024$1.95B$1.87B
Equity CapitalQ1 2025vs Q1 2024$237.1MM$221.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$20.1MM$20.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$10MM$10.9MM
Real Estate OwnedQ1 2025vs Q1 2024$0$69K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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%$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 & Public Funds 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
0.10%$0-IRA Subshare
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