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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Centra Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 25, 2026
Centra Credit Union's CDs 13 Month* rates are at 4.15%, IRA CDs 13 Month* rates are at 4.00%, CDs 13 Month* rates are at 4.00%, CDs 5 Year rates are at 2.15%, IRA CDs 5 Year rates are at 2.10%. Centra Credit Union's savings rates are at 0.10%. Centra Credit Union's money market rates are at 0.10%. Centra Credit Union's Personal Loan Rates are at 11.60%. MonitorBankRates evaluates the financial stability of Centra Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.15%. Rates were last updated on 03/25/2026. Centra Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Centra Credit Union? Share your experience about Centra Credit Union by leaving a review below, or read customer reviews before you decide to use Centra Credit Union. Centra Credit Union
Tupelo Corporate Headquarters 3801 Tupelo Dr
https://www.centra.org Columbus, IN 47201 7293 
Centra Credit Union CD Rates
Centra Credit Union Savings Rates
Centra Credit Union Money Market Rates
Centra Credit Union Checking Rates
Centra Credit Union Mortgage Rates
Centra Credit Union Home Equity & HELOC
Centra Credit Union Credit Card Rates
Centra Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Centra Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Centra Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Centra Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Centra Credit Union
Website
https://www.centra.org
Address
3801 Tupelo Dr,
Columbus, IN 47201 7293
Phone
812-376-9771
Fax
President
Randy Proffitt
CEO
Rick Silvers
Full-Time Employees
425
Part-Time Employees
12
Branch Locations
30
ATM Locations
31
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.15%
Return on Assets (ROA)
0.5834%
Return on Equity (ROE)
4.7379%
Non-Performing Loans Ratio (NPL)
1.18%
Total Assets
2,260,428,277
Total Amount of Shares and Deposits
1,966,577,254
Total Shares and Deposits < 1 Year
1,924,109,893
Total Shares and Deposits 1 3 Years
37,579,974
Total Shares and Deposits > 3 Years
4,887,387
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
244,460,673
Total Uninsured Shares and Deposits > $250K (F+J)
244,460,673
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,722,116,581
Total Interest Expense (Sum of items 6 8)
28,354,890
Share Certificates
15,542
Number of Accounts for Share Drafts
88,166
IRA KEOGH Accounts
3,693
Number of Accounts for Regular Shares
225,946
All other shares
2,051
Non Member Deposits
2
Money Market Shares
22,325
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
141,743,273
Total Liabilities
2,010,214,484
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Centra Credit UnionIs Centra Credit Union a safe place to deposit money?Yes, Centra Credit Union is considered a safe financial institution. With a Texas Ratio of 7.1500986082702%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Centra Credit Union operate?Centra Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Centra Credit Union?Yes, to access services at Centra Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Centra Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Centra Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Centra Credit Union offer online and mobile banking?Most modern institutions like Centra Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.centra.org. Current Centra Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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