Centra Credit Union
Headquarters
1430 N National Rd, Po Box 789
Columbus, IN 47202
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2024 Overview
General Credit Union Information
Centra is an NCUA insured institution located in Columbus, IN. It was founded in 1940 and has approximately $2115.56 millions in assets.
Who can join?
If you live or work in the following Indiana counties, you are eligible to bank at Centra Credit Union.
Immediate family members of those eligible may also join Centra Credit Union.
List of counties:
Bartholomew, Boone, Brown, Clark, Crawford, Dearborn, Decatur, Floyd, Franklin, Hamilton, Hancock, Harrison, Hendricks, Jackson, Jefferson, Jennings, Johnson, Lawrence, Monroe, Morgan, Ohio, Orange, Perry, Ripley, Rush, Scott, Shelby, Switzerland, Washington, Most of Marion County - includes the following townships: Center, Franklin, Lawrence, Pike, Perry, Warren, Washington and Wayne.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68287 |
| Date Established | 1940 |
| Assets | $2,115.56 million |
| Loans | $1,646.96 million |
| Deposits | $1,831.37 million |
| Capital | $264.24 million |
Field of Membership Restrictions
Membership in Centra Credit Union is open to those who live or work in 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, and White Counties and select townships in Marion County in Indiana or in Bullitt, Henry, Jefferson, Oldham, Shelby, Spencer, and Trimble Counties in Kentucky.
Deposit Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Centra
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.866% | 6.750% | 1.00 | $3,801 | $2,076 | Learn More |
NMLS ID: 3030 |
7.212% | 7.125% | 0.88 | $2,800 | $2,156 | Learn More |
NMLS ID: 3029 |
Learn More | |||||
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Centra
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Centra branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Centra Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 138.09 | A | View Lobby Hours | |
| 148.56 | B | View Lobby Hours | |
| 151.05 | C | View Lobby Hours | |
| 154.63 | D | View Lobby Hours | |
| 160.91 | E | View Lobby Hours | |
| 161.23 | F | View Lobby Hours | |
| 161.78 | G | View Lobby Hours | |
| 162.08 | H | View Lobby Hours | |
| 163.00 | I | View Lobby Hours | |
| 163.57 | J | View Lobby Hours | |
| 164.91 | K | View Lobby Hours | |
| 165.98 | L | View Lobby Hours | |
| 166.44 | M | View Lobby Hours | |
| 167.24 | N | View Lobby Hours | |
| 167.39 | O | View Lobby Hours | |
| 171.53 | P | View Lobby Hours | |
| 172.37 | Q | View Lobby Hours | |
| 173.04 | R | View Lobby Hours | |
| 173.12 | S | View Lobby Hours | |
| 180.36 | T | View Lobby Hours | |
| 183.05 | U | View Lobby Hours | |
| 183.81 | V | View Lobby Hours | |
| 184.05 | W | View Lobby Hours | |
| 184.05 | X | View Lobby Hours | |
| 184.63 | Y | View Lobby Hours | |
| 187.47 | Z | View Lobby Hours |
Climate Policy and Initiatives
CENTRA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Centra Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Centra. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Centra | U.S. Average |
|---|---|
| 9.80% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Centra had $25,124,733 in non-current loans and $1,943,758 in owned assets. To cover these potential losses it had $264,239,892 in net worth and $12,100,102 in loans loss reserves. That gives it a Texas Ratio of 9.80%.
Net Worth
| Centra | U.S. Average |
|---|---|
| 12.46% | 13.93% |
Centra FCU has a net worth of 12.46% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Centra
Jason crook
March 14, 2020
One thing I hate about Centra Credit f****** Union they have no customer service help at all whatsoever. After hours that sucks ass
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