Centricity Credit Union

TODAY'S FEATURED RATES

Member FDIC

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

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

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.centricity.org

218-729-7733

4477 Lavaque Rd
Hermantown, MN 55811

Centricity Credit Union is headquartered in Hermantown and is the 20^th largest credit union in the state of Minnesota. It is also the 1,012^th largest credit union in the nation. It was established in 1943 and as of March of 2025, it had grown to 85 employees and 22,759 members at 3 locations. Centricity Credit Union's CD rates are 3X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Centricity Credit Union is open to those who live, work, worship, or attend school in the Minnesota counties of Carlton, Lake, Pine or St. Louis, or Douglas County, Wisconsin.
See current membership details

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68685
Year Chartered	1943
Employees	85
Primary Regulator

Profit Margin
Return on Assets - YTD	0.9%
Return on Equity - YTD	6.25%
Annual Interest Income	$4.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$316.5MM$248.4MM
Loans	Q1 2025vs Q1 2024	$242.1MM$185.1MM
Deposits	Q1 2025vs Q1 2024	$259.8MM$198MM
Equity Capital	Q1 2025vs Q1 2024	$40.4MM$28MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$3.5MM$3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.9MM$1.2MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$96K

TODAY'S FEATURED RATES

Member FDIC

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

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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Savings
Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Centricity Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$50	-	Coverdell IRA
0.25%	$0	-	Christmas Club
0.05%	$10	-	Share Savings Account
0.05%	$0	-	Vacation Club
0.05%	$0	-	Miscellaneous Club

Centricity Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.31%^*	$100k^*	-	Money Market Savings Account
OTHER TIERS: 0.70% → $2.5k - $50k \| 1.06% → $50k - $100k

Centricity Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$500	-	10 Month Share Certificate Special- New Money
3.75%	$500	-	10 Month Share Certificate
2.78%	$500	-	6 Month Share Certificate
2.78%	$500	-	1 Year Share Certificate
2.53%	$500	-	5 Year Share Certificate
2.27%	$500	-	4 Year Share Certificate
2.02%	$500	-	3 Year Share Certificate
1.76%	$500	-	2 Year Share Certificate

Centricity Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$50	-	IRA Savings

Locations

Centricity Credit Union Locations
Branch Office	25 Belknap St	Superior, WI 54880
Branch Office	2501 London Rd	Duluth, MN 55812
Corporate Office	4477 Lavaque Rd	Hermantown, MN 55811

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