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Centricity Credit Union Rates & Review March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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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 29, 2026

You can compare Centricity Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.50%, 6-month share certificate rates at 0.65% and 3-month share certificate rates at 3.03%. Savings rates are at 0.15% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.20%. All these rates can be compared to Centricity Credit Union rates. MonitorBankRates evaluates the financial stability of Centricity Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.15%. Rates were last updated on 03/29/2026.

Centricity 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 Centricity Credit Union? Share your experience about Centricity Credit Union by leaving a review below, or read customer reviews before you decide to use Centricity Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.15%
Excellent Lower than avg
Centricity Credit Union
Hermantown Office
4477 Lavaque Rd
Hermantown, MN 55811
https://www.centricity.org
Member NCUA

Current Rate Availability

We do not have Centricity Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Centricity 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 Centricity 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 Centricity Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Centricity Credit Union
Website https://www.centricity.org
Address 4477 Lavaque Rd, Hermantown, MN 55811
Phone 218-729-7733
Fax 218-729-7978
President Margaret Taylor
CEO Doug Ralston
Full-Time Employees 83
Part-Time Employees 19
Branch Locations 5
ATM Locations 5
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.15%
Return on Assets (ROA)
1.0191%
Return on Equity (ROE)
7.4965%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
311,866,406
Total Amount of Shares and Deposits
255,432,082
Total Shares and Deposits < 1 Year
252,425,652
Total Shares and Deposits 1 3 Years
1,373,300
Total Shares and Deposits > 3 Years
1,633,130
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,192,575
Total Uninsured Shares and Deposits > $250K (F+J)
10,192,575
Total Insured Shares and Deposits > $250K (item 17 less item K)
245,239,507
Total Interest Expense (Sum of items 6 8)
2,390,049
Share Certificates
1,497
Number of Accounts for Share Drafts
11,526
IRA KEOGH Accounts
320
Number of Accounts for Regular Shares
27,444
Money Market Shares
546
Net Income (unless the amount is already included in Undivided Earnings)
3,178,102
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,270,980
Total Liabilities
268,874,639
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Centricity Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Centricity Credit Union

Is Centricity Credit Union a safe place to deposit money?

Yes, Centricity Credit Union is considered a safe financial institution. With a Texas Ratio of 4.1515308231517%, 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 Centricity Credit Union operate?

Centricity 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 Centricity Credit Union?

Yes, to access services at Centricity 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, Centricity 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, Centricity Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Centricity Credit Union offer online and mobile banking?

Most modern institutions like Centricity 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.centricity.org.

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