What are the current interest rates at Centra Credit Union?

Current rates for Centra Credit Union include: 12-Month CD: 1.70%, 18-Month CD: 0.10%, 24-Month CD: 1.85%, 60-Month CD: 2.10%, Savings: 0.10%, MMA: 0.10%

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Centra Credit Union

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Centra Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Centra Credit Union's 24 Month CDs rates are at 4.15%, Business 13 Month CD rates are at 4.15%, 24 Month CDs rates are at 4.00%, Business 13 Month CD rates are at 4.00%, 5 Year CDs rates are at 2.15%. 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 as low as 11.60%. Centra Credit Union's Credit Card Rates are at 12.74%. 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 4.26%. Rates last updated and verified on 09/22/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.26%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Centra Credit Union
Tupelo Corporate Headquarters

3801 Tupelo Dr
Columbus, IN 47201-7293

https://www.centra.org

Centra Credit Union CD Rates

Product	Rate	APY	Term
24 Month Share Certificates	4.07%	4.15%	24 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 13 Month Share Certificate	4.07%	4.15%	13 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
24 Month Share Certificates	3.93%	4.00%	24 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 13 Month Share Certificate	3.93%	4.00%	13 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
5 Year Share Certificates	2.13%	2.15%	5 Year
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 5 Year Share Certificate	2.13%	2.15%	5 Year
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
4 Year Share Certificates	2.08%	2.10%	4 Year
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
5 Year Share Certificates	2.08%	2.10%	5 Year
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 4 Year Share Certificate	2.08%	2.10%	4 Year
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 5 Year Share Certificate	2.08%	2.10%	5 Year
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
3 Year Share Certificates	2.03%	2.05%	3 Year
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
4 Year Share Certificates	2.03%	2.05%	4 Year
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 3 Year Share Certificate	2.03%	2.05%	3 Year
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 4 Year Share Certificate	2.03%	2.05%	4 Year
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
3 Year Share Certificates	1.98%	2.00%	3 Year
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 3 Year Share Certificate	1.98%	2.00%	3 Year
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
30 Month Share Certificates	1.93%	1.95%	30 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 30 Month Share Certificate	1.93%	1.95%	30 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
30 Month Share Certificates	1.88%	1.90%	30 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 24 Month Share Certificate	1.88%	1.90%	24 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 30 Month Share Certificate	1.88%	1.90%	30 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
18 Month Share Certificates	1.83%	1.85%	18 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 18 Month Share Certificate	1.83%	1.85%	18 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 24 Month Share Certificate	1.83%	1.85%	24 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
18 Month Share Certificates	1.79%	1.80%	18 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 18 Month Share Certificate	1.79%	1.80%	18 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
12 Month Share Certificates	1.74%	1.75%	12 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 12 Month Share Certificate	1.74%	1.75%	12 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
10 Month Share Certificates	1.69%	1.70%	10 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
12 Month Share Certificates	1.69%	1.70%	12 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 10 Month Share Certificate	1.69%	1.70%	10 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 12 Month Share Certificate	1.69%	1.70%	12 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
10 Month Share Certificates	1.64%	1.65%	10 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 10 Month Share Certificate	1.64%	1.65%	10 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
6 Month Share Certificates	1.59%	1.60%	6 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 6 Month Share Certificate	1.59%	1.60%	6 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
6 Month Share Certificates	1.54%	1.55%	6 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 6 Month Share Certificate	1.54%	1.55%	6 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
4 Month Share Certificates	1.00%	1.00%	4 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 4 Month Share Certificate	1.00%	1.00%	4 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
4 Month Share Certificates	0.95%	0.95%	4 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 4 Month Share Certificate	0.95%	0.95%	4 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
3 Month Share Certificates	0.90%	0.90%	3 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 3 Month Share Certificate	0.90%	0.90%	3 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
3 Month Share Certificates	0.85%	0.85%	3 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
7 Day Share Certificates	0.85%	0.85%	7 Day
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 3 Month Share Certificate	0.85%	0.85%	3 Month
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 7 Day Share Certificate	0.85%	0.85%	7 Day
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
7 Day Share Certificates	0.80%	0.80%	7 Day
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 7 Day Share Certificate	0.80%	0.80%	7 Day
Min Deposit $500 Details Balance: $500 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Freedom 18 Month	0.10%	0.10%	18 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

Centra Credit Union Savings Rates

Product	Rate	APY
Business & Public Funds Premium Money Market Savings	3.40%	3.45%
Min Balance $5,000,000 Details Balance: $5,000,000 - $9,999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business & Public Funds Premium Money Market Savings	3.40%	3.45%
Min Balance $10,000,000 Details Balance: $10,000,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business & Public Funds Premium Money Market Savings	3.30%	3.35%
Min Balance $3,000,000 Details Balance: $3,000,000 - $4,999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	3.30%	3.35%
Min Balance $3,000,000 Details Balance: $3,000,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business & Public Funds Premium Money Market Savings	3.15%	3.20%
Min Balance $1,000,000 Details Balance: $1,000,000 - $2,999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	3.15%	3.20%
Min Balance $1,000,000 Details Balance: $1,000,000 - $2,999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	2.96%	3.00%
Min Deposit $500 Min Balance $0 Details Balance: $.00 - $1,000.00; Qualifications Required; If qualifiers are not met, member will earn 0.10% and a monthly fee of $5.00 will be charged on the last business day of the month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business & Public Funds Premium Money Market Savings	2.08%	2.10%
Min Balance $250,000 Details Balance: $250,000 - $999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	2.08%	2.10%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	1.49%	1.80%
Min Deposit $500 Min Balance $1,000 Details Published APY range: 1.80% to 3.00%. Balance: $1,000.01 - $5,000.00; Qualifications Required; If qualifiers are not met, member will earn 0.10% and a monthly fee of $5.00 will be charged on the last business day of the month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	1.59%	1.60%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business & Public Funds Premium Money Market Savings	1.44%	1.45%
Min Balance $50,000 Details Balance: $50,000 - $249,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	1.44%	1.45%
Min Balance $50,000 Details Balance: $50,000 - $249,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business & Public Funds Premium Money Market Savings	1.39%	1.40%
Min Balance $7,500 Details Balance: $7,500 - $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	1.39%	1.40%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	1.34%	1.35%
Min Balance $0 Details Balance: $0 - $24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Money Market & Classic Plus Savings	0.85%	0.85%
Min Balance $50,000 Details Balance: $50,000+^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Money Market & Classic Plus Savings	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000 - $49,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Money Market Savings	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000 - $24,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Money Market Savings	0.40%	0.40%
Min Balance $25,000 Details Balance: $25,000 - $49,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Money Market Savings	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000+^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Money Market & Classic Plus Savings	0.40%	0.40%
Min Balance $15,000 Details Balance: $15,000 - $24,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Money Market Savings	0.30%	0.30%
Min Balance $5,000 Details Balance: $5,000 - $9,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Money Market & Classic Plus Savings	0.25%	0.25%
Min Balance $5,000 Details Balance: $5,000 - $14,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	0.20%	0.20%
Min Deposit $500 Min Balance $5,000 Details Published APY range: 0.20% to 1.80%. Balance: $5,000.01 and over; Qualifications Required; If qualifiers are not met, member will earn 0.10% and a monthly fee of $5.00 will be charged on the last business day of the month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Money Market Savings	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500 - $4,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Money Market & Classic Plus Savings	0.15%	0.15%
Min Balance $1,000 Details Balance: $1,000 - $4,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business Savings	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business Special Savings	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Christmas Club	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
IRA Savings	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Membership Savings	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Money Market & Classic Plus Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
You Choose Savings	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

Centra Credit Union Money Market Rates

Product	Rate	APY
Business & Public Funds Premium Money Market Savings	3.40%	3.45%
Min Balance $5,000,000 Details Balance: $5,000,000 - $9,999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business & Public Funds Premium Money Market Savings	3.40%	3.45%
Min Balance $10,000,000 Details Balance: $10,000,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business & Public Funds Premium Money Market Savings	3.30%	3.35%
Min Balance $3,000,000 Details Balance: $3,000,000 - $4,999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	3.30%	3.35%
Min Balance $3,000,000 Details Balance: $3,000,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business & Public Funds Premium Money Market Savings	3.15%	3.20%
Min Balance $1,000,000 Details Balance: $1,000,000 - $2,999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	3.15%	3.20%
Min Balance $1,000,000 Details Balance: $1,000,000 - $2,999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	2.96%	3.00%
Min Deposit $500 Min Balance $0 Details Balance: $.00 - $1,000.00; Qualifications Required; If qualifiers are not met, member will earn 0.10% and a monthly fee of $5.00 will be charged on the last business day of the month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business & Public Funds Premium Money Market Savings	2.08%	2.10%
Min Balance $250,000 Details Balance: $250,000 - $999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	2.08%	2.10%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	1.49%	1.80%
Min Deposit $500 Min Balance $1,000 Details Published APY range: 1.80% to 3.00%. Balance: $1,000.01 - $5,000.00; Qualifications Required; If qualifiers are not met, member will earn 0.10% and a monthly fee of $5.00 will be charged on the last business day of the month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	1.59%	1.60%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business & Public Funds Premium Money Market Savings	1.44%	1.45%
Min Balance $50,000 Details Balance: $50,000 - $249,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	1.44%	1.45%
Min Balance $50,000 Details Balance: $50,000 - $249,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business & Public Funds Premium Money Market Savings	1.39%	1.40%
Min Balance $7,500 Details Balance: $7,500 - $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	1.39%	1.40%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	1.34%	1.35%
Min Balance $0 Details Balance: $0 - $24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Money Market & Classic Plus Savings	0.85%	0.85%
Min Balance $50,000 Details Balance: $50,000+^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Money Market & Classic Plus Savings	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000 - $49,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Money Market Savings	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000 - $24,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Money Market Savings	0.40%	0.40%
Min Balance $25,000 Details Balance: $25,000 - $49,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Money Market Savings	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000+^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Money Market & Classic Plus Savings	0.40%	0.40%
Min Balance $15,000 Details Balance: $15,000 - $24,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Money Market Savings	0.30%	0.30%
Min Balance $5,000 Details Balance: $5,000 - $9,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Money Market & Classic Plus Savings	0.25%	0.25%
Min Balance $5,000 Details Balance: $5,000 - $14,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Money Market Savings	0.20%	0.20%
Min Deposit $500 Min Balance $5,000 Details Published APY range: 0.20% to 1.80%. Balance: $5,000.01 and over; Qualifications Required; If qualifiers are not met, member will earn 0.10% and a monthly fee of $5.00 will be charged on the last business day of the month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Money Market Savings	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500 - $4,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Money Market & Classic Plus Savings	0.15%	0.15%
Min Balance $1,000 Details Balance: $1,000 - $4,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Money Market & Classic Plus Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

Centra Credit Union Checking Rates

Product	Rate	APY
8 Month w/checking	4.27%	4.35%
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business 8 Month w/checking	4.27%	4.35%
Min Deposit $500 Details 1 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Tiered Checking	4.27%	4.35%
Min Balance $0 Details Balance: $0-40,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Tiered Checking	3.44%	3.50%
Min Balance $40,000 Details Balance: $40,000.01+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Checking	2.96%	3.00%
Min Balance $0 Details Balance: $0 - $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Tiered Checking	1.83%	1.85%
Min Balance $15,000 Details Balance: $15,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Tiered Checking	1.59%	1.60%
Min Balance $5,000 Details Balance: $5,000 - $14,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Checking	1.49%	1.50%
Min Balance $1,000 Details Balance: $1,000.01 - $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Tiered Checking	1.34%	1.35%
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Tiered Checking	1.09%	1.10%
Min Balance $500 Details Balance: $500 - $999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
HSA Tiered Checking	0.60%	0.60%
Details Balance: $0 - $499 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Premium Money Market Checking	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000+^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Checking	0.20%	0.20%
Min Balance $5,000 Details Balance: $5,000.01+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Premium Money Market Checking	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000 - $49,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Premium Money Market Checking	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 - $24,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Business Advantage Checking	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
High Interest Checking	0.10%	0.10%
Details If qualifiers are not met, member will earn 0.10% and a monthly fee of $5.00 will be charged on the last business day of the month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Premium Money Market Checking	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 - $9,999^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

Centra Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Rate Equity Loan	-	-	6.49%	60 months
Details Published APR range: 6.49-9.14%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Home Equity Fixed Rate Equity Loan	-	-	6.49%	120 months
Details Published APR range: 6.49-8.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Equity Plus - Home Equity Line of Credit	-	-	8.00%	1 year
Details Term: Prime + 1% (80.01% to 90% LTV); Variable Rate2; Rate: Prime + 1% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Home Equity Fixed Rate Equity Loan	-	-	8.24%	180 months
Details Published APR range: 8.24-9.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Equity Plus - Home Equity Line of Credit	-	-	9.00%	2 years
Details Term: Prime + 2% (90.01 to 100% LTV); Variable Rate2; Rate: Prime + 2% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

Centra Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Autos, Trucks, Vans, Motorcycles - 2025 - 2027	-	-	4.99%	Up to 54 months
Details Published APR range: 4.99-13.94%. Year: 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Autos, Trucks, Vans, Motorcycles - 2025 - 2027	-	-	5.19%	Up to 66 months
Details Published APR range: 5.19-14.09%. Year: 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Autos, Trucks, Vans, Motorcycles - 2023 - 2024	-	-	5.29%	Up to 54 months
Details Published APR range: 5.29-14.09%. Year: 2023 - 2024 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Autos, Trucks, Vans, Motorcycles - 2020 - 2022	-	-	5.44%	Up to 54 months
Details Published APR range: 5.44-14.94%. Year: 2020 - 2022 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Autos, Trucks, Vans, Motorcycles - 2020 - 2022	-	-	5.44%	Up to 66 months
Details Published APR range: 5.44-15.19%. Year: 2020 - 2022 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Autos, Trucks, Vans, Motorcycles - 2023 - 2024	-	-	5.44%	Up to 66 months
Details Published APR range: 5.44-14.19%. Year: 2023 - 2024 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Autos, Trucks, Vans, Motorcycles - 2025 - 2027	-	-	5.64%	Up to 78 months
Details Published APR range: 5.64-9.29%. Year: 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Autos, Trucks, Vans, Motorcycles - 2019 and older	-	-	5.94%	Up to 42 months
Details Published APR range: 5.94-16.69%. Year: 2019 and older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Autos, Trucks, Vans, Motorcycles - 2023 - 2024	-	-	5.99%	Up to 78 months
Details Published APR range: 5.99-9.44%. Year: 2023 - 2024 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Autos, Trucks, Vans, Motorcycles - 2019 and older	-	-	6.04%	Up to 54 months
Details Published APR range: 6.04-16.79%. Year: 2019 and older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Autos, Trucks, Vans, Motorcycles - 2019 and older	-	-	6.19%	Up to 66 months
Details Published APR range: 6.19-10.44%. Year: 2019 and older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Autos, Trucks, Vans, Motorcycles - 2020 - 2022	-	-	6.19%	Up to 78 months
Details Published APR range: 6.19-9.94%. Year: 2020 - 2022 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Autos, Trucks, Vans, Motorcycles - 2025 - 2027	-	-	6.44%	Up to 84 months
Details Published APR range: 6.44-6.79%. Year: 2025 - 2027 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

Centra Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats, RVs, Campers, Horse & Utility Trailers - 2025 - 2027 Loan	-	6.75%	Up to 66 months
Details Published APR range: 6.75-15.50%. Min. Loan Amount: $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Boats, RVs, Campers, Horse & Utility Trailers - 2022 - 2024 Loan	-	7.00%	Up to 66 months
Details Published APR range: 7.00-16.00%. Min. Loan Amount: $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Boats, RVs, Campers, Horse & Utility Trailers - 2025 - 2027 Loan	-	7.75%	Up to 90 months
Details Published APR range: 7.75-16.00%. Min. Loan Amount: $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Boats, RVs, Campers, Horse & Utility Trailers - 2025 - 2027 Loan	-	8.15%	Up to 126 months
Details Published APR range: 8.15-11.85%. Min. Loan Amount: $18,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Boats, RVs, Campers, Horse & Utility Trailers - 2021 and older Loan	-	8.25%	Up to 66 months
Details Published APR range: 8.25-18.50%. Min. Loan Amount: $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Boats, RVs, Campers, Horse & Utility Trailers - 2022 - 2024 Loan	-	8.30%	Up to 90 months
Details Published APR range: 8.30-16.75%. Min. Loan Amount: $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Boats, RVs, Campers, Horse & Utility Trailers - 2025 - 2027 Loan	-	8.45%	Up to 150 months
Details Published APR range: 8.45-12.15%. Min. Loan Amount: $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Boats, RVs, Campers, Horse & Utility Trailers - 2022 - 2024 Loan	-	8.90%	Up to 126 months
Details Published APR range: 8.90-12.60%. Min. Loan Amount: $18,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Boats, RVs, Campers, Horse & Utility Trailers - 2021 and older Loan	-	9.00%	Up to 90 months
Details Published APR range: 9.00-19.25%. Min. Loan Amount: $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Boats, RVs, Campers, Horse & Utility Trailers - 2021 and older Loan	-	9.55%	Up to 126 months
Details Published APR range: 9.55-13.50%. Min. Loan Amount: $18,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

Centra Credit Union Credit Card Rates

Product	Rate	APR
Secured VISA Platinum	-	12.74%
Details Published APR range: 12.74%-18.00%. 2 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
VISA Platinum	-	12.74%
Details Published APR range: 12.74%-18.00%. 2 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

Centra Credit Union Personal Loan Rates

Product	APR	Term
Fixed Rate Personal	11.60%	Up to 42 months
Details Published APR range: 11.60 - 19.10. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Fixed Rate Personal	12.35%	43-54 months
Details Published APR range: 12.35 - 19.10. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Fixed Rate Personal	12.60%	55-66 months
Details Published APR range: 12.60 - 19.10. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

Centra Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
The YOU Card Loan	-	-	12.00%
Details Published APR range: 12.00%-18.00%. 2 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
IRA Certificate 8 Month w/checking	4.27%	-	4.35%	8 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%
Opportunity	0.10%	-	0.10%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.26%

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.
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Financial Health History

Centra Credit Union’s Texas Ratio stayed near 4.09% in Q2 2023 to 4.26% in Q1 2026, so its financial health has stayed very strong 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
March 31, 2026	$2.4B	4.26%	5.0	A+
December 31, 2025	$2.3B	5.94%	5.0	A+
September 30, 2025	$2.3B	6.67%	5.0	A
June 30, 2025	$2.2B	5.61%	5.0	A+
March 31, 2025	$2.2B	3.48%	5.0	A+
December 31, 2024	$2.1B	5.50%	5.0	A+
September 30, 2024	$2.1B	5.03%	5.0	A+
June 30, 2024	$2.1B	4.72%	5.0	A+
March 31, 2024	$2.2B	3.87%	5.0	A+
December 31, 2023	$2.1B	4.78%	5.0	A+
September 30, 2023	$2.1B	3.75%	5.0	A+
June 30, 2023	$2.1B	4.09%	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 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 Joseph Brown

CEO Brad Davis

Full-Time Employees 418

Part-Time Employees 14

Branch Locations 29

ATM Locations 28

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

4.26%

Return on Assets (ROA)

0.2316%

Return on Equity (ROE)

1.9390%

Non-Performing Loans Ratio (NPL)

0.77%

Total Assets

2,381,035,532

Total Amount of Shares and Deposits

2,076,576,786

Total Shares and Deposits < 1 Year

1,924,767,760

Total Shares and Deposits 1 3 Years

147,209,130

Total Shares and Deposits > 3 Years

4,599,896

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

278,677,057

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

278,677,057

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

1,797,899,729

Total Interest Expense (Sum of items 6 8)

8,416,176

Share Certificates

15,304

Number of Accounts for Share Drafts

90,476

IRA KEOGH Accounts

3,566

Number of Accounts for Regular Shares

232,042

All other shares

2,132

Non Member Deposits

Money Market Shares

24,143

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)

186,523,167

Total Liabilities

2,122,569,192

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Centra Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Centra Credit Union

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

12-Month CD1.70%
18-Month CD0.10%
24-Month CD1.85%
60-Month CD2.10%
Savings0.10%
MMA0.10%

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

Compare to Other Credit Unions

Centra Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Centra Credit Union Texas Ratio

Centra Credit Union Health Trend

Centra Credit Union CD Rates

Centra Credit Union Savings Rates

Centra Credit Union Money Market Rates

Centra Credit Union Checking Rates

Centra Credit Union Home Equity & HELOC

Centra Credit Union Auto Loan Rates

Centra Credit Union RV, Boat and Powersport Loan Rates

Centra Credit Union Credit Card Rates

Centra Credit Union Personal Loan Rates

Centra Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Centra Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Centra Credit Union

How many branches does Centra Credit Union operate?

Is a member application needed to join Centra Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Centra Credit Union offer online and mobile banking?

Current Centra Credit Union Rates

Compare to Other Credit Unions