Featured Savings Rates
Featured Accounts

Centra Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.55%4-year CD4 Year Share Certificate
1.50%4-year IRA4 Year IRA (Traditional, Roth, CESA)
4.00%Reward CheckingHigh Interest Checking

Overview / Commentary
812-376-9771
3801 Tupelo Dr PO Box 789
Columbus, IN 47201-7293

Centra Credit Union is headquartered in Columbus and is the 3rd largest credit union in the state of Indiana. It is also the 173rd largest credit union in the nation. It was established in 1940 and as of March of 2016, it had grown to 258 employees and 134,377 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.
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Reviews (4)

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

Posted by: ej2014 | Jun 18, 2014

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

Posted by: rres | Jan 27, 2015

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

Posted by: Anonymous | Aug 8, 2012

Centra is an example of why people keep their money in mattresses. Never again will I use this bank.



Health
A+

Health Grade Components

Overall
NCUA #68287
Year Chartered1940
Employees258
Primary Regulator
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD8.74%
Annual Interest Income$8.9MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$1.34B$1.29B
LoansQ1 2016vs Q1 2015$836.0MM$736.0MM
DepositsQ1 2016vs Q1 2015$1.14B$1.10B
Equity CapitalQ1 2016vs Q1 2015$157.2MM$144.6MM
Loan Loss AllowanceQ1 2016vs Q1 2015$8.9MM$7.7MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$1.8MM$1.6MM
Real Estate OwnedQ1 2016vs Q1 2015$56.00K$605.00K
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
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*-$1kHigh Interest Checking
OTHER TIERS: 0.20% $5k+ | 2.00% $1k - $5k
0.10%$1k-Advantage Checking

Centra Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%*$100k*-5 Year Share Certificate
OTHER TIERS: 2.05% $500 - $100k
2.00%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%$500-5 Year IRA Certificate
2.00%$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
Locations

Centra Credit Union has 25 locations. Click to view all Centra Credit Union locations.