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Centris Federal Credit Union

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Centris Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Centris Federal Credit Union?

Current rates for Centris Federal Credit Union include: 12-Month CD: 0.25%, 18-Month CD: 2.75%, 24-Month CD: 2.75%, 60-Month CD: 2.75%, Savings: 0.20%, MMA: 3.25%

Q: What CD terms does Centris Federal Credit Union offer?

Centris Federal Credit Union CD rates are 3.25% APY for a 7 month CD, 2.90% APY for a 9 month CD, 3.00% APY for a 12 month CD, 3.10% APY for a 15 month CD, 2.75% APY for an 18 month CD, 2.75% APY for a 2 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Centris Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Centris Federal Credit Union's CD - 7 month rates are at 3.25%, CD - 15 month rates are at 3.10%, CD - 12 month rates are at 3.00%, CD - 9 month rates are at 2.90%, CD - 18 month rates are at 2.75%. Centris Federal Credit Union's savings rates are at 0.20%. Centris Federal Credit Union's money market rates are at 3.25%. Centris Federal Credit Union's checking rates are as high as 0.10%. Centris Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 11.24%. Centris Federal Credit Union's CD rates are 1% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Centris Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.31%. Rates last updated and verified on 10/28/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.31%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Centris Federal Credit Union
Corporate Headquarters

13120 Pierce St
Omaha, NE 68144

https://www.centrisfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Centris Federal Credit Union CD Rates

Product	Rate	APY	Term
Jumbo Certificate - 7 month	3.30%	3.35%	7 month
Min Deposit $90,000 Min Balance $90,000 Details Jumbo Certificates; minimum opening deposit of $90,000.00 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
7 Month Regular & IRA Certificates	3.20%	3.25%	7 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Certificate - 7 month	3.20%	3.25%	7 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Jumbo Certificate - 15 month	3.15%	3.20%	15 month
Min Deposit $90,000 Min Balance $90,000 Details Jumbo Certificates; minimum opening deposit of $90,000.00 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
15 Month Regular & IRA Certificates	3.05%	3.10%	15 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Certificate - 15 month	3.05%	3.10%	15 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Jumbo Certificate - 12 month	3.05%	3.10%	12 month
Min Deposit $90,000 Min Balance $90,000 Details Jumbo Certificates; minimum opening deposit of $90,000.00 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
12 Month Regular & IRA Certificates	2.96%	3.00%	12 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Certificate - 12 month	2.96%	3.00%	12 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Jumbo Certificate - 9 month	2.96%	3.00%	9 month
Min Deposit $90,000 Min Balance $90,000 Details Jumbo Certificates; minimum opening deposit of $90,000.00 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
9 Month Regular & IRA Certificates	2.86%	2.90%	9 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 2.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Certificate - 9 month	2.86%	2.90%	9 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Jumbo Certificate - 18 month	2.81%	2.85%	18 month
Min Deposit $90,000 Min Balance $90,000 Details Jumbo Certificates; minimum opening deposit of $90,000.00 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Jumbo Certificate - 24 month	2.81%	2.85%	24 month
Min Deposit $90,000 Min Balance $90,000 Details Jumbo Certificates; minimum opening deposit of $90,000.00 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Jumbo Certificate - 36 month	2.81%	2.85%	36 month
Min Deposit $90,000 Min Balance $90,000 Details Jumbo Certificates; minimum opening deposit of $90,000.00 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Jumbo Certificate - 39 month Jump Up	2.81%	2.85%	39 month
Min Deposit $90,000 Min Balance $90,000 Details Jumbo Certificates; minimum opening deposit of $90,000.00 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Jumbo Certificate - 48 month	2.81%	2.85%	48 month
Min Deposit $90,000 Min Balance $90,000 Details Jumbo Certificates; minimum opening deposit of $90,000.00 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Jumbo Certificate - 6 month	2.81%	2.85%	6 month
Min Deposit $90,000 Min Balance $90,000 Details Jumbo Certificates; minimum opening deposit of $90,000.00 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Jumbo Certificate - 60 month	2.81%	2.85%	60 month
Min Deposit $90,000 Min Balance $90,000 Details Jumbo Certificates; minimum opening deposit of $90,000.00 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
18 Month Regular & IRA Certificates	2.71%	2.75%	18 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
24 Month Regular & IRA Certificates	2.71%	2.75%	24 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
36 Month Regular & IRA Certificates	2.71%	2.75%	36 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
39 Month Regular & IRA Certificates	2.71%	2.75%	39 month Jump Up
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
48 Month Regular & IRA Certificates	2.71%	2.75%	48 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
6 Month Regular & IRA Certificates	2.71%	2.75%	6 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
60 Month Regular & IRA Certificates	2.71%	2.75%	60 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Certificate - 18 month	2.71%	2.75%	18 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Certificate - 24 month	2.71%	2.75%	24 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Certificate - 36 month	2.71%	2.75%	36 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Certificate - 39 month Jump Up	2.71%	2.75%	39 month
Min Deposit $500 Min Balance $500 Details Jump Up certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Certificate - 48 month	2.71%	2.75%	48 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Certificate - 6 month	2.71%	2.75%	6 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Certificate - 60 month	2.71%	2.75%	60 month
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Add-On Certificates - 12 month	0.25%	0.25%	12 months
Min Deposit $100 Min Balance $100 Details Minimum opening deposit of $100.00; Dividend Rate 0.25%, APY 0.25% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%

Centris Federal Credit Union Savings Rates

Product	Rate	APY
Club	0.20%	0.20%
Min Deposit $5 Min Balance $0 Details Balance: No Minimum Balance; Minimum Deposit of $5.00 to open this account when opening online. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
IRA Savings	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.00 & Above; IRA account. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Personal Savings & Money Market Accounts	0.20%	0.20%
Min Balance $0 Details Tier: No Minimum Balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
IRA Savings	0.15%	0.15%
Min Balance $0 Details Balance: $9,999.99 & Below; IRA account. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Personal Savings & Money Market Accounts	0.10%	0.10%
Min Balance $0 Details Balance: $999.99 & Below Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Personal Savings & Money Market Accounts	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 & Above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Rafferty Club	0.10%	0.10%
Min Balance $0 Details Balance: $999.99 & Below; For savers 12 and younger Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Rafferty Club	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 & Above; For savers 12 and younger Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Regular Savings & Rafferty	0.10%	0.10%
Min Deposit $5 Min Balance $0 Details Balance: $999.99 & Below; Minimum Deposit of $5.00 to open this account when opening online. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%

Centris Federal Credit Union Money Market Rates

Product	Rate	APY
Advantage Plus Money Market	3.20%	3.25%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Advantage Plus Money Market	2.71%	2.75%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Advantage Plus Money Market	2.23%	2.25%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Advantage Plus Money Market	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Advantage Money Market	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000.00 and over; Relationship rate increase of 0.50% APY available with qualifying checking account and $2,500.00 minimum monthly direct deposit Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Advantage Plus Money Market	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Advantage Money Market	1.24%	1.25%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Relationship rate increase of 0.50% APY available with qualifying checking account and $2,500.00 minimum monthly direct deposit Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 1.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Advantage Money Market	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Relationship rate increase of 0.50% APY available with qualifying checking account and $2,500.00 minimum monthly direct deposit Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Advantage Money Market	0.75%	0.75%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; Relationship rate increase of 0.50% APY available with qualifying checking account and $2,500.00 minimum monthly direct deposit Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Personal Savings & Money Market Accounts	0.20%	0.20%
Min Balance $0 Details Tier: No Minimum Balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Personal Savings & Money Market Accounts	0.10%	0.10%
Min Balance $0 Details Balance: $999.99 & Below Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Personal Savings & Money Market Accounts	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 & Above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Advantage Money Market	0.00%	0.00%
Min Balance $0 Details Balance: $0.00 - $2,499.99; Relationship rate increase of 0.50% APY available with qualifying checking account and $2,500.00 minimum monthly direct deposit Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Advantage Plus Money Market	0.00%	0.00%
Min Balance $0 Details Balance: $0.00 - $24,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 1.98% → 1.49% ▼ 0.49 pts · high 1.98% / low 1.49% Oct 4, 20261.49%▼ from 1.98% Sep 16, 20261.98%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%

Centris Federal Credit Union Checking Rates

Product	Rate	APY	View More
Dividend Checking	0.10%	0.10%
Min Balance $0 Details Balance: Any Balance; Annual Percentage Yield (APY) is accurate as of the last dividend declaration date of Sept. 1, 2026. Rates may change after account opening. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%

Centris Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - 12 Month Introductory Rate	-	-	6.00%
Details As Low As; Variable*; Introductory rate in effect for 12 months; Eligibility requires automatic payments from a Centris account and $10,000 in new money at minimum; Thereafter rates range from 7.74% to 11.24% APR; Annual fee $50; Maximum APR 18%; Closing costs/fees vary based on loan amount, location, and loan-to-value Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Home Equity Loans	-	-	6.00%	48-72 Months
Details As Low As; Fixed APR; 0-80% loan-to-value financing; requires $10,000 New Money Last Updated 10/28/2026 Rate History 4 changes since Sep 16, 2026 · 7.24% → 6.00% ▼ 1.24 pts · high 11.74% / low 6.00% Oct 23, 20266.00%▼ from 11.74% Oct 15, 202611.74%▲ from 7.24% Oct 8, 20267.24%▲ from 6.00% Oct 4, 20266.00%▼ from 7.24% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Home Equity Loans	-	-	6.50%	73-120 Months
Details As Low As; Fixed APR; 0-80% loan-to-value financing; requires $10,000 New Money Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 7.75% → 6.50% ▼ 1.25 pts · high 7.75% / low 6.50% Oct 4, 20266.50%▼ from 7.75% Sep 16, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Home Equity Loans	-	-	6.75%	121-180 Months
Details As Low As; Fixed APR; 0-80% loan-to-value financing; requires $10,000 New Money Last Updated 10/28/2026 Rate History 1 change since Oct 1, 2026 · 8.00% → 6.75% ▼ 1.25 pts · high 8.00% / low 6.75% Oct 4, 20266.75%▼ from 8.00% Oct 1, 20268.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Home Equity Loan - 81-90% Financing	-	-	7.24%	48-72 Months
Details As Low As; Fixed APR; Loan-to-value 81-90% financing; $10,000 New Money required to qualify Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Home Equity Line of Credit - Rate After Introductory Period	-	-	7.74%
Details As Low As; Variable*; Applies after the 12 month introductory period; Rates thereafter range from 7.74% to 11.24% APR and are subject to change at any time; "As low as" rate assumes excellent borrower credit history and 80% or less Loan-to-Value; Annual fee $50; Maximum APR 18% Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Home Equity Loan - 81-90% Financing	-	-	7.75%	73-120 Months
Details As Low As; Fixed APR; Loan-to-value 81-90% financing; $10,000 New Money required to qualify Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Home Equity Loan - 81-90% Financing	-	-	8.00%	121-180 Months
Details As Low As; Fixed APR; Loan-to-value 81-90% financing; $10,000 New Money required to qualify Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Home Equity Loans	-	-	11.74%	48-72 Months
Details As Low As; Fixed APR; 91-100% Financing; requires $10,000 New Money Last Updated 10/28/2026 Rate History 3 changes since Sep 16, 2026 · 7.24% → 11.74% ▲ 4.50 pts · high 11.74% / low 6.00% Oct 15, 202611.74%▲ from 7.24% Oct 8, 20267.24%▲ from 6.00% Oct 4, 20266.00%▼ from 7.24% Sep 16, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%

Centris Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles & ATVs Loan	-	6.74%	24-60 Months
Details As Low As; Qualifications Required: automatic payment from a Centris checking account and $5,000 New Money Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Motorcycles & ATVs Loan	-	7.24%	61-72 Months
Details As Low As; Qualifications Required: automatic payment from a Centris checking account and $5,000 New Money Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Campers, Travel Trailers, 5th Wheels, Motor Homes - 2022 or Newer Loan	-	7.49%	up to 180 months
Details As Low As; Financed Amount: $100,001+; Loan must be secured by a 2022 or newer camper, travel trailer, 5th wheel or motorhome; requires automatic payment from a Centris checking account and $5,000 New Money Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Campers, Travel Trailers, 5th Wheels, Motor Homes - 2022 or Newer Loan	-	7.74%	up to 180 months
Details As Low As; Financed Amount: $50,001 to $100,000; Loan must be secured by a 2022 or newer camper, travel trailer, 5th wheel or motorhome; requires automatic payment from a Centris checking account and $5,000 New Money Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Campers, Travel Trailers, 5th Wheels, Motor Homes Loan	-	7.74%	up to 180 months
Details As Low As; Financed Amount: $100,001+; Loan must be secured by a 2019 to 2021 camper, travel trailer, 5th wheel or motorhome; requires automatic payment from a Centris checking account and $5,000 New Money Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Campers, Travel Trailers, 5th Wheels, Motor Homes Loan	-	7.99%	up to 180 months
Details As Low As; Financed Amount: $50,001 to $100,000; Loan must be secured by a 2019 to 2021 camper, travel trailer, 5th wheel or motorhome; requires automatic payment from a Centris checking account and $5,000 New Money Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Oct 15, 20267.99%▲ from 7.74% Sep 16, 20267.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Motorcycles & ATVs Loan	-	7.99%	73-84 Months
Details As Low As; Qualifications Required: automatic payment from a Centris checking account and $5,000 New Money Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Campers, Travel Trailers, 5th Wheels, Motor Homes - 2022 or Newer Loan	-	8.24%	up to 144 months
Details As Low As; Financed Amount: $25,001 to $50,000; Loan must be secured by a 2022 or newer camper, travel trailer, 5th wheel or motorhome; requires automatic payment from a Centris checking account and $5,000 New Money Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Campers, Travel Trailers, 5th Wheels, Motor Homes Loan	-	8.24%	up to 180 months
Details As Low As; Financed Amount: $100,001+; Secured by 2018 or older camper, travel trailer, 5th wheel or motorhome; Automatic payment from a Centris checking account and $5,000 New Money required Last Updated 10/28/2026 Rate History 2 changes since Sep 16, 2026 · 7.74% → 8.24% ▲ 0.50 pts · high 8.24% / low 7.74% Oct 23, 20268.24%▲ from 7.99% Oct 15, 20267.99%▲ from 7.74% Sep 16, 20267.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Campers, Travel Trailers, 5th Wheels, Motor Homes - 2022 or Newer Loan	-	8.49%	up to 120 months
Details As Low As; Financed Amount: $10,001 to $25,000; Loan must be secured by a 2022 or newer camper, travel trailer, 5th wheel or motorhome; requires automatic payment from a Centris checking account and $5,000 New Money Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Campers, Travel Trailers, 5th Wheels, Motor Homes Loan	-	8.49%	up to 144 months
Details As Low As; Financed Amount: $25,001 to $50,000; Loan must be secured by a 2019 to 2021 camper, travel trailer, 5th wheel or motorhome; requires automatic payment from a Centris checking account and $5,000 New Money Last Updated 10/28/2026 Rate History 2 changes since Sep 16, 2026 · 8.49% → 8.49% ▼ 0.00 pts · high 8.49% / low 8.24% Oct 15, 20268.49%▲ from 8.24% Sep 20, 20268.24%▼ from 8.49% Sep 16, 20268.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Campers, Travel Trailers, 5th Wheels, Motor Homes Loan	-	8.49%	up to 180 months
Details As Low As; Financed Amount: $50,001 to $100,000; Secured by 2018 or older camper, travel trailer, 5th wheel or motorhome; Automatic payment from a Centris checking account and $5,000 New Money required Last Updated 10/28/2026 Rate History 2 changes since Sep 16, 2026 · 7.74% → 8.49% ▲ 0.75 pts · high 8.49% / low 7.74% Oct 23, 20268.49%▲ from 7.99% Oct 15, 20267.99%▲ from 7.74% Sep 16, 20267.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Campers, Travel Trailers, 5th Wheels, Motor Homes - 2022 or Newer Loan	-	8.74%	24-72 months
Details As Low As; Financed Amount: $2,500 to $10,000; Loan must be secured by a 2022 or newer camper, travel trailer, 5th wheel or motorhome; requires automatic payment from a Centris checking account and $5,000 New Money Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Campers, Travel Trailers, 5th Wheels, Motor Homes Loan	-	8.74%	up to 120 months
Details As Low As; Financed Amount: $10,001 to $25,000; Loan must be secured by a 2019 to 2021 camper, travel trailer, 5th wheel or motorhome; requires automatic payment from a Centris checking account and $5,000 New Money Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 8.49% → 8.74% ▲ 0.25 pts · high 8.74% / low 8.49% Oct 15, 20268.74%▲ from 8.49% Sep 20, 20268.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Campers, Travel Trailers, 5th Wheels, Motor Homes Loan	-	8.99%	24-72 months
Details As Low As; Financed Amount: $2,500 to $10,000; Loan must be secured by a 2019 to 2021 camper, travel trailer, 5th wheel or motorhome; requires automatic payment from a Centris checking account and $5,000 New Money Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74% Oct 15, 20268.99%▲ from 8.74% Sep 20, 20268.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Campers, Travel Trailers, 5th Wheels, Motor Homes Loan	-	8.99%	up to 144 months
Details As Low As; Financed Amount: $25,001 to $50,000; Secured by 2018 or older camper, travel trailer, 5th wheel or motorhome; Automatic payment from a Centris checking account and $5,000 New Money required Last Updated 10/28/2026 Rate History 3 changes since Sep 16, 2026 · 8.49% → 8.99% ▲ 0.50 pts · high 8.99% / low 8.24% Oct 23, 20268.99%▲ from 8.49% Oct 15, 20268.49%▲ from 8.24% Sep 20, 20268.24%▼ from 8.49% Sep 16, 20268.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Campers, Travel Trailers, 5th Wheels, Motor Homes Loan	-	9.24%	up to 120 months
Details As Low As; Financed Amount: $10,001 to $25,000; Secured by 2018 or older camper, travel trailer, 5th wheel or motorhome; Automatic payment from a Centris checking account and $5,000 New Money required Last Updated 10/28/2026 Rate History 2 changes since Sep 20, 2026 · 8.49% → 9.24% ▲ 0.75 pts · high 9.24% / low 8.49% Oct 23, 20269.24%▲ from 8.74% Oct 15, 20268.74%▲ from 8.49% Sep 20, 20268.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Campers, Travel Trailers, 5th Wheels, Motor Homes Loan	-	9.49%	24-72 months
Details As Low As; Financed Amount: $2,500 to $10,000; Secured by 2018 or older camper, travel trailer, 5th wheel or motorhome; Automatic payment from a Centris checking account and $5,000 New Money required Last Updated 10/28/2026 Rate History 2 changes since Sep 20, 2026 · 8.74% → 9.49% ▲ 0.75 pts · high 9.49% / low 8.74% Oct 23, 20269.49%▲ from 8.99% Oct 15, 20268.99%▲ from 8.74% Sep 20, 20268.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Boats & Personal Watercrafts Loan	-	11.24%	24-180 Months
Details As Low As; Requires automatic payment from a Centris checking account and $5,000 New Money; APR accurate as of July 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 11.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%

Centris Federal Credit Union Personal Loan Rates

Product	APR	Term
Boats & Personal Watercrafts Loan	11.24%	24-180 Months
Details As Low As; Requires automatic payment from a Centris checking account and $5,000 New Money; APR accurate as of July 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 11.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Personal Loans (Unsecured)	11.24%	12-24 Months
Details As Low As; To qualify: automatic payment from a checking account; APR accurate as of Sept. 9, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Personal Loans (Unsecured)	11.49%	25-48 Months
Details As Low As; To qualify: automatic payment from a checking account; APR accurate as of Sept. 9, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Personal Loans (Unsecured)	11.74%	49-60 Months
Details As Low As; To qualify: automatic payment from a checking account; APR accurate as of Sept. 9, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%
Personal Loans (Unsecured)	12.24%	61-72 Months
Details As Low As; To qualify: automatic payment from a checking account; APR accurate as of Sept. 9, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 12.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%

Centris Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Certificate and Savings Bundle	3.44%	-	3.50%	6 months
Min Deposit $500 Details Minimum balance to earn stated APY: Any balance up to matched certificate amount; Qualifying certificate with 6-month minimum term required; Savings account must be opened within 7 days of the certificate; no additional deposits into the savings account; savings opening deposit not to exceed certificate amount; early withdrawal penalty may apply to the linked certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.31%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Centris Federal Credit Union’s Texas Ratio rose from 9.06% in Q3 2023 to 11.31% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.5B	11.31%	5.0	A
March 31, 2026	$1.5B	10.55%	5.0	A
December 31, 2025	$1.5B	15.08%	5.0	A-
September 30, 2025	$1.4B	14.20%	5.0	A-
June 30, 2025	$1.4B	13.34%	5.0	A
March 31, 2025	$1.4B	11.22%	5.0	A
December 31, 2024	$1.4B	13.87%	5.0	A
September 30, 2024	$1.4B	13.77%	5.0	A
June 30, 2024	$1.3B	10.33%	5.0	A
March 31, 2024	$1.3B	9.11%	5.0	A
December 31, 2023	$1.3B	11.44%	5.0	A
September 30, 2023	$1.3B	9.06%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Centris Federal 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 Centris Federal 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 Centris Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Centris Federal Credit Union

Website https://www.centrisfcu.org

Address 13120 Pierce St, Omaha, NE 68144

Phone 402-334-7000

Fax

President Kelly Koch

CEO Steve Swanstrom

Full-Time Employees 317

Part-Time Employees 26

Branch Locations 16

ATM Locations 12

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.31%

Return on Assets (ROA)

0.3642%

Return on Equity (ROE)

3.8943%

Non-Performing Loans Ratio (NPL)

1.53%

Total Assets

1,492,137,346

Total Amount of Shares and Deposits

1,286,263,485

Total Shares and Deposits < 1 Year

1,256,191,851

Total Shares and Deposits 1 3 Years

27,685,061

Total Shares and Deposits > 3 Years

2,386,573

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

70,255,604

Total Uninsured Shares and Deposits > $250K (F+J)

70,255,604

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,216,007,881

Total Interest Expense (Sum of items 6 8)

20,612,394

Share Certificates

12,586

Number of Accounts for Share Drafts

59,750

IRA KEOGH Accounts

2,934

Number of Accounts for Regular Shares

220,063

Non Member Deposits

19,561

Money Market Shares

6,084

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

59,031,913

Total Liabilities

1,361,441,191

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Centris Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

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Frequently Asked Questions About Centris Federal Credit Union

Does Centris Federal Credit Union offer CDs?

Yes. Centris Federal Credit Union current CD rates include its CD - 7 month at 3.25% APY, its CD - 15 month at 3.10% APY and its CD - 12 month at 3.00% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Centris Federal Credit Union NCUA insured?

Yes. Centris Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Centris Federal Credit Union?

The highest Centris Federal Credit Union CD rate is its Jumbo CD - 7 month at 3.35% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Centris Federal Credit Union offer?

Centris Federal Credit Union CD rates are 3.25% APY for a 7 month CD, 2.90% APY for a 9 month CD, 3.00% APY for a 12 month CD, 3.10% APY for a 15 month CD, 2.75% APY for an 18 month CD, 2.75% APY for a 2 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Centris Federal Credit Union for its full lineup.

What is the highest savings rate at Centris Federal Credit Union?

The highest Centris Federal Credit Union savings rate is its IRA Savings at 0.20% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Centris Federal Credit Union?

The highest Centris Federal Credit Union money market rate is its Advantage Plus Money Market at 3.25% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Centris Federal Credit Union?

The highest Centris Federal Credit Union checking rate is its Dividend Checking at 0.10% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Centris Federal Credit Union?

The lowest Centris Federal Credit Union personal loan rate is its Boats & Personal Watercrafts Loan at 11.24% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Centris Federal Credit Union operate?

Centris Federal 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 Centris Federal Credit Union?

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

Does Centris Federal Credit Union offer online and mobile banking?

Most modern institutions like Centris Federal 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.centrisfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Centris Federal Credit Union rates compare?

Centris Federal Credit Union's CD rates are 1% lower than the MonitorBankRates national average, and it has an A health rating. Centris Federal Credit Union's top rates are its Jumbo CD - 7 month at 3.35% APY, its IRA Savings at 0.20% APY, its Advantage Plus Money Market at 3.25% APY, its Dividend Checking at 0.10% APY and its Boats & Personal Watercrafts Loan at 11.24% APR, verified by MonitorBankRates on October 28, 2026.

Current Centris Federal Credit Union Rates

12-Month CD0.25%
18-Month CD2.75%
24-Month CD2.75%
60-Month CD2.75%
Savings0.20%
MMA3.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Centris Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Centris Federal Credit Union Texas Ratio

Centris Federal Credit Union Health Trend

Centris Federal Credit Union CD Rates

Centris Federal Credit Union Savings Rates

Centris Federal Credit Union Money Market Rates

Centris Federal Credit Union Checking Rates

Centris Federal Credit Union Home Equity & HELOC

Centris Federal Credit Union RV, Boat and Powersport Loan Rates

Centris Federal Credit Union Personal Loan Rates

Centris Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Centris Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Centris Federal Credit Union

Does Centris Federal Credit Union offer CDs?

Are CDs from Centris Federal Credit Union NCUA insured?

What is the highest CD rate at Centris Federal Credit Union?

What CD terms does Centris Federal Credit Union offer?

What is the highest savings rate at Centris Federal Credit Union?

What is the highest money market rate at Centris Federal Credit Union?

What is the highest checking rate at Centris Federal Credit Union?

What is the lowest personal loan rate at Centris Federal Credit Union?

How many branches does Centris Federal Credit Union operate?

Is a member application needed to join Centris Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Centris Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Centris Federal Credit Union rates compare?

Current Centris Federal Credit Union Rates

Compare to Other Credit Unions